Home Loans

Southern Bancorp believes that responsible, affordable homeownership is an important part building financial stability for your family. Whether you are new to the home buying process or a seasoned veteran, Southern Bancorp has the tools to help you realize your homeownership dream.


From homebuyer counseling to purchasing, building or refinancing, we have the right products and services to meet your needs, as well as home repair loans and home equity lines of credit. We even offer specialized products such as Rural Development/USDA Loans featuring low fixed rates with no down payment required.

Wherever you are in your home buying journey, Southern Bancorp is ready to help you. Contact us now to find out which option is right for you.

Auto/Boat/RV Loans

Whether you are hitting the open road or the open water, Southern Bancorp can help put you in the driver’s seat. Contact us today to learn about our affordable rates and terms.

Personal Loans
Borrow money for just about anything.  Payment terms range from 12 to 72 months and include single pay, installment, or balloon.  We offer individualized packages and competitive rates. To learn more about consumer loans, contact us and a representative will be happy to assist you!

Build Your Credit

Credit Counseling

The quality of your credit can impact your life in a lot of ways. From borrowing money for school to buying a home to getting a job, your credit matters. Southern’s certified credit counselors are available to not only teach you how to establish or rebuild your credit, but also help you put that knowledge into action.

Some of the covered topics include:

  • Understanding your credit score and history
  • How to review your credit score annually for free.
  • How to correct errors and omissions on your credit report
  • Best practices for paying down debts and paying bills.

If you’re ready to get your credit back on track and working for you, contact us today to find the nearest Southern Bancorp Credit Counselor and make an appointment.


Credit Builder CD

If you have little or no credit history, this Certificate of Deposit (CD) actually helps you improve your score, which means you are more likely to be approved for a credit card, car loan, mortgage, or small business loan, get a job, or see lower interest rates on future loans. How?

First, you receive a loan from Southern Bancorp for either $500 or $1000 that is put into your CD. Make monthly payments until the loan is paid-off. Then, you receive the full value of the CD, plus interest, and this important bonus: an improved credit rating by credit bureaus due to your monthly payments.

Please contact us online or visit your hometown branch for more information on our Certificate of Deposit accounts.


Ready to get started?

Contact us now or drop by the nearest Southern Bancorp location. Contact UsLocations