The Southern Federal Credit Union Is A Traditional Credit Union, Chartered In 1963 We Are Not Open To The Public, But Work Through Our Employer Groups To Provide Credit Union Product And Services To Their Employees. We Serve A Core Group Of South Side Communities In The Counties Of Clayton, Coweta, Fayette, Henry And Spalding. We Deliver The Benefits Of Local Presence And Local Ownership Supporting Local Employers And Local Economic Development.. Loans