Auto Loans

Navigate your car buying decision with a loan from Southern Gas FCU, and get going! Whether it is for a new or used auto, our low competitive rates can help you close the deal before you get behind the wheel. Get pre-approved today!

Recreational Vehicles

Play hard, set sail, explore the country or go hog-wild with a recreational vehicle loan!

  • Boats, Campers, ATV’s, Motorcycles, Tractors, and Watercraft

Share Certificate Secured

A Share/Certificate Loan is a loan that is secured by the funds that are held in a personal savings or share/certificate account. The arrangement helps you build your credit score by demonstrating your ability to repay the loan without the high-costs associated with an unsecured loan to an individual with poor or no credit history!

Signature Loans

There's a Southern Gas signature loan for all of your needs in life! Consolidate debt, go on vacation, or get the kids off to school. And the best part? It's all on your terms.

Key in lock on front door of home

Credit Builder Loan

If you ever plan on applying for a car loan or credit card, you'll need to prove you are responsible when it comes to paying off your debt. With our Credit Builder Loan, the money you borrow is secured in your Savings account for the term of the loan and dividends are paid on the money while you make payments and establish your credit. Once you have successfully paid the loan in full, the money becomes available in your account!

Line of Credit

Borrow money, and use it when you need it! You'll only have to pay interest on the amounts you borrow.

Find what you need?

Apply Online Today!


2205 East Roosevelt Road

Little Rock, AR 72206

(inside the Summit Utilities building)


PO Box 2600
Little Rock, AR 72203-2600

Contact Us

Call or Text: (501) 374-2031

Fax: (501) 374-2041




Monday - Friday

8:00 - 4:00

Lost or Stolen Cards


Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government Agency.

National Credit Union Administration, a U.S. Government Agency.

Love My Credit Union Rewards

APR = Annual Percentage Rate | APY = Annual Percentage Yield

Rates will vary depending on creditworthiness and are subject to change without notice.

Loan terms available may vary depending on amount borrowed, the length of contract, credit history, and payment method.

All loans are subject to approval. Regular terms and conditions apply. Southern Gas Federal Credit Union is an Equal Opportunity Lender