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HomeAbout Us
About & benefits

What Make Us Unique

Southern Elegance is a trustworthy community bank that serves the people and businesses of the United Kingdom. Southern Elegance will always offer the highest level of personal service from an experienced staff that you know and trust. Our broad array of banking products has been created to meet the financial needs of you, our customer.
  • No fees on select services and additional accounts
  • Earns interest See rates
  • Option to set up Balance Connect™ for overdraft protection
  • Paper checks available (no charge or discounted depending on check style)
  • Maintain a combined balance of $10,000 in eligible linked accounts Learn about combined balances

What We Believe

Southern Elegance was founded in 1986 by a group of businessmen who strongly believed in the people and businesses of our area.
Their founding beliefs are still the cornerstone of our banking philosophy today: a local community bank that serves the needs of its neighbors. At Southern Elegance, your banker is also your neighbor and your friend.

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Fees & rates

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Your mortgage should be as unique as the home you buy

Fixed-rate Loans
No interest rate surprises
A “fixed-rate” mortgage comes with an interest rate that won’t change for the life of your home loan. A “conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation.
  • 3.25% Rate
  • 3.319% APR
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FHA Loans
Lower credit score requirements
A Federal Housing Administration (FHA) loan is a government-backed home mortgage loan with more flexible lending requirements than conventional loans. Because of this, FHA mortgage interest rates may be higher. The buyer will also have to pay monthly mortgage.
  • 3.625% Rate
  • 3.319% APR
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VA Loans
No down payment option
VA loans are home mortgages backed by the Department of Veterans Affairs (VA). With a VA loan, eligible service members and veterans can buy a home with little or no down payment, or refinance an existing home to get cash out or a lower monthly payment.
  • 3.375% Rate
  • 3.629% APR
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What Make Us Unique

Get interest rate discount
Get interest rate discount

In just 30 minutes, an experienced banker will help you get a .25% interest rate discount with an eligible checking and savings account.

Exceptional service from specialists
Exceptional service from specialists

Get a dedicated expert who answers every question, works to make sure you have the solution that fits your life, and helps every step of the way.

Convenient payment options
Convenient payment options

Make your payments quickly and easily through online and mobile banking, by phone or mail, with recurring automatic payments, or in a branch.

Secure online & mobile banking
Secure online & mobile banking

Sign on for 24/7 account access to make payments, transfer money, check balances, and view your statements online.