The Southern Security Federal Credit Union All Credit Levels is a cdfi lender from Southern Security Federal Credit Union. Application typically pulls a credit report from Experian. The annual fee is No annual fee.. The ongoing APR is 0.00% APR* for 6 months after a 0.00% APR* for 6 months introductory rate for 6 months. Signup bonus: $125 for Saving Smart Youth Month Special for Ages 16–20. Rewards: Earn 1 Reward Point for every $1 transferred or spent with a Southern Security Visa® Rewards Card.. Loan terms: 10-30 year terms available, including Conventional and FHA 95% loan-to-value options.. This product reports activity to your personal credit report. Southern Security Federal Credit Union is a not-for-profit financial cooperative located in Collierville, TN, dedicated to providing a range of financial services to its members. It serves over 20,000 members across the U.S., offering various lending options and banking services tailored to meet individual financial needs. Services include: auto loans, personal loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Collierville, TN. Membership required.