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Southeast Financial

220 SOUTH ROYAL OAKS, Franklin, TN 37064
NCUA Insured4.8 (85 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

220 SOUTH ROYAL OAKS

Franklin, TN 37064

Service Area

This credit union is located in Franklin and serves members in the TN area. Currently serving 37,059 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.50%

Used Auto Loan

7.75%

Personal Loan

14.50%

Credit Card APR

11.11%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(12 total)

Member Reviews

4.8

85 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ironwing Dispatch Co.

Ironwing Dispatch Co.

6 months ago

Opening my business account at Southeast Financial was one of the smoothest experiences I’ve had as a growing company. Megan was patient, thorough, and incredibly welcoming from the moment our conversation started. She didn’t just rush me through paperwork — she took the time to understand what I’m building with Ironwing Dispatch Co. and made sure every detail was handled cleanly and professionally. What really stood out was the personal touch. I had my daughter with me, and Megan immediately offered toys to keep her entertained. As a father and a business owner, that meant more than she realized. It made the whole process stress-free and showed that this branch understands people just as much as they understand banking. Clear communication, efficiency, and genuine kindness — that combination is rare. Southeast Financial earned my trust today, and Megan made this part of the Ironwing journey feel easy. Highly recommend this branch to any entrepreneur who wants their business handled with real care.

Becky Jennings

Becky Jennings

7 months ago

Megan Lacas and her team at SFCU are exceptional. Their customer service is top-notch, as well as follow-through and communication. I continue to be impressed with SFCUs technology - #1. I have done business with them for several years. I highly recommend this organization.

Steven Bryan

Steven Bryan

6 months ago

Megan Lacas is the Branch Manager at Royal Oaks. She offers the type of personal home town banking that is hard to find these days. For college students or young families that may need someone to work closely with and answer questions, she's the perfect lender to fit your needs.

Natalia

Natalia

a year ago

I’m extremely happy with Southeast Financial Credit Union!!! The best bank ever and the best service as well, very friendly staff and always ready to help. I used to bank with Regions, Wells Fargo etc. I closed all my accounts in the other banks and just keep Southeast Financial Credit Union. I’ve been member since 2009 and planing to stay as long as they function! Great job SEFC!!!

Daniel Picard

Daniel Picard

7 months ago

I have had to follow up three times with Tiara for an auto loan. The agent was unable to do the math and I had to ask twice if she was factoring certain aspects in. Then I had to explain my calculation. For the .25% rate savings it is not even worth my time to deal with the trouble of explaining/applying.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).