Your membership is rewarded at every turn

As a member, you are an owner. Credit union membership is limited to certain groups, referred to as our field of membership. SGFCU’s approved groups are:

Employees of:

  • Summit Utilities, its subsidiaries and contractors
  • Baker Engineering
  • Enable Midstream
  • Miller Pipeline
  • Holder Pipeline
  • Parnell Consultants
  • RD Crumley of Arkansas
  • Spouses of deceased persons who qualified for membership
  • Persons retired from the above employers



Setting money aside for that “BIG” event?

  • Minimum to open - $25.00
  • Competitive dividends
  • Dividends compounded and paid quarterly
  • ATM


FREE checking with all the other choices to make your life easier.

  • Minimum to open - $50.00
  • Dividends paid on balances of $1000.00 and up
  • Dividends compounded and paid monthly
  • Unlimited check writing privileges
  • ATM / Debit Cards

Share and IRA Certificates

$1000.00 minimum balance to open

Interest compounded and paid monthly

Terms from 6 months to 36 months


Minimum to open - $200.00

Competitive dividends

IRA Savings

Christmas Club Savings

No minimum balance

Dividends compounded and paid quarterly

Checks disbursed on or after Oct 31st

Vacation Club Savings

No minimum balance

Dividends compounded and paid quarterly

Checks disbursed on or after May 31st

Credit Card Services

Browse and pick the card that works for you and your needs!

CO-OP ATM Network

A nationwide network of nearly 30,000 surcharge-free ATMs, 9,000+ which are deposit taking. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®.

Hand pulling money out of ATM dispenser

Convenience Services

Automatic Bill Drafts

Auto Insurance (Liberty Mutual)

Direct Deposit

Wire Transfers

Free Notary Service

ACH Transfers

Life Insurance (Liberty Mutual)

24 Hour Audio Response Line

Home Insurance (Liberty Mutual)

24 Hour Online Account Access


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