Personal Loan Accounts

When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice. After all, what is Southern Hospitality if we aren’t lending you a hand? With flexible terms and borrowing limits, we work with you to find a loan that fits your needs. The loans may be secured or unsecured. We make financing convenient and affordable with set monthly payments and fixed interest rates. Learn more about your loan options:.

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Cash Reserve



Cash Reserve Line of Credit*

In case of an emergency or accidental overdraft, Cash Reserve can be a lifesaver. Just write a check and write yourself a loan anytime, anywhere.

  • Get an automatic line of credit built right into your checking account to cover overdrafts.
  • Use your own checks or make a loan directly from your reserve account with special Cash Reserve checks.
  • There is no charge to establish a Cash Reserve. - Finance charges only accrue when you use it.
  • Funds are advanced to your checking account in the amount that you need.

Reserve Plus Line of Credit*

This has all the advantages of Cash Reserve, plus larger lines of credit are available at lower interest rates. The variable interest rate you pay is based on the amount of credit line approved and is tied to Southern Bank's prime rate.

Normal credit approval applies on all checking accounts, loans, lines of credit, and credit cards.

Vehicle Leasing



When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice.

  • Terms and borrowing limits are flexible.
  • Loans may be either secured or unsecured.
  • Set monthly payments and fixed interest rate options make financing convenient and affordable.

Home Equity Line



A Southern Bank EquityLine allows you to borrow using the equity you've built in your home and taking advantage of the current low rates, as well as the potential tax deductibility. Pay for you child's education, buy a car, renovate the kitchen or take that second honeymoon you've been dreaming about by writing an EquityLine check.

For more information on EquityLInes, call your local Southern Bank branch.

Subject to approval.

Credit Cards



Visa® Platinum Credit Card

The Southern Bank Visa Platinum Credit Card offers competitive rates with a wide range of valuable features, safety benefits and the option to earn rewards.

  • Purchase APR1 of 11.24%-22.24% based on your creditworthiness
  • No annual fee
  • Earn rewards with optional enrollment in BankMiles®2
  • Cell phone protection3 when you pay your monthly cell phone bill with your eligible Southern Bank Visa Platinum Credit Card
  • Instant cash advances at any ATM (PIN required)
  • Set up recurring bills to be paid automatically each month using your Visa card4
  • Travel and Emergency Assistance Services3
  • Auto Rental Collision Damage Waiver3
  • Replacement of lost or stolen cards and zero liability for promptly reported fraud
  • Exclusive Visa discounts

Normal credit approval applies.

1APR (Annual Percentage Rate) - The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of 12/31/2015 is 3.50% and may vary. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactionsis 2% of each transaction after conversion to U.S. dollars.

2Optional BankMiles membership requires an annual fee of $50 which will be charged to your Southern Bank credit card upon enrollment. At that time, 2,500 bonus points will be credited to your BankMiles account.

3Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to your Click here for Visa Guide To Benefits for further details.

4If using a credit card, you can avoid incurring finance charges on these monthly bills by paying the amount of the bill charged in full each month.

Click here for Consumer Credit Card Disclosure and Agreement

Automotive



Automobiles/Boats/RVs

When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice.

  • Terms and borrowing limits are flexible
  • Loans may be either secured or unsecured
  • Set monthly payments and fixed interest rate options make financing convenient and affordable