Net Savings with a HELOC Consolidation Loan

Lower your monthly payments and decrease your rate when you consolidate your high-interest credit cards and lines of credit with a Home Equity Line of Credit!

Branch Services

With a variety of personalized services, banking has never been so easy!

EZtellers

Our EZtellers are a new, faster, more efficient way to conduct your drive-thru banking. With an EZteller you'll have 24/7 self-service access where you can quickly complete common transactions or get real-time assistance from a teller via video chat during regular business hours.

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EZtellers are...Convenient

With self-service access 24/7, you can quickly complete familiar transactions like

Cash and check deposits
Cash withdrawals
Balance inquiries
Account transfers
Loan payments
And more!
Or get real-time assistance from a live teller during office hours

EZtellers are...Efficient

Enjoy shorter lines and 24/7 access by using EZteller conveniently located in our drive-thrus.

Plus, you'll still have access to live tellers during business hours, if you need help or have a question about your account.

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EZtellers are...Secure

Check balances and conduct more transitions securely and with peace of mind. Plus, if you don't have your CSCU debit card with you you'll be able to request assistance from a teller who will verify your identity and provide account access.

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EZteller FAQs

View FAQs as a PDF

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Wire Transfers

Send and receive your wire transfers with our safe and secure process! To initiate an Outgoing Wire, contact us. For Incoming Wires, follow the instructions below.

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Incoming Wire Instructions:

Receiving Financial Institution:

Corporate America Credit Union

4365 Crescent Road

Irondale, AL 35210

Routing Number: 262-090-120

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For Further Credit To:

Community South Credit Union

1044 Hwy. 90 East

Chipley, FL 32428

Routing Number: 263-277-696

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For Final Credit To:

Member's Name

Member's Account Number

Special Instructions (checking, savings, or apply to loan)

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Overdraft Protection

We know unexpected overdrafts happen from time to time. We also know overdraft coverage isn’t one-size-fits-all. Whether you prefer a safety net or want a more structured approach, we have an option that works for you!
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Overdraft Protection is automatically added to your account if:

You are 18 years or older, and your account has been open for at least 60 days.
Your account has had a positive balance within the last 32 days.
None of your loans are more than 30 days delinquent.

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Overdraft Privilege

Overdraft Privilege allows you to overdraw your account up to a certain amount for a fee¹. Already have Overdraft Protection? No problem! Overdraft Privilege can be added as additional coverage if, for whatever reason, your Overdraft Protection isn’t available.

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Overdraft Privilege Standard Coverage covers¹:

Recurring debit card transactions
ACH - Automatic Debits
Checks
Online Bill Pay
Teller Window Interactions

Overdraft Privilege Extended Coverage covers¹:

All Standard transactions
ATM transactions²
Everyday debit card transactions²

Contact us or visit a CSCU branch to get started

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Skip-a-Pay

When the unexpected happens, we’ve got you covered! Skip up to two months a year³ with our convenient online form, and increase your household’s monthly budget.

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Features:

Skip up to two monthly payments a year
You must have $25 per skipped payment, per eligible loan in your main checking or share account to successfully schedule Skip-A-Pay³
Remember to cancel automatic payments such as BillPay, Pay Your Loan link, and Online Banking transfers. The credit union will stop all distributions and in-house transfers.

Schedule a Skip-a-Pay

Rates

Account Type

Dividend

APY¹

Loan Type

APR¹ as low as

No items found.

Rates as of current date. Rates subject to change at any time. Contact Us to verify current rates.

Ready to get started?

¹Accounts will be charged with the standard Overdraft fee of $25.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $25.00 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Community South Credit Union or if your account is subject to any legal or administrative order or levy.

²Consent is required on consumer accounts for Extended Coverage. Business accounts receive Extended Coverage automatically and may discontinue Overdraft Privilege in its entirety at any time.

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³payments can not be scheduled for consecutive months.

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⁴If a member has multiple eligible loans, a $25 fee per eligible loan must be in the main share account regardless if the payment will be skipped. (i.e. If you skipped a payment for 1 loan, but you have 3 loans with us, you will need $75 in your main share account.)