Our Story


Biloxi Mayor, Jerry O'Keefe saw his employees' need for a safe harbor to save money.  In August 1973, the Biloxi Municipal Credit Union, was chartered by the State of Mississippi for the sole purpose of meeting those employees' needs.  We have now grown to include several employee groups across South Mississippi.  

We expanded our field of membership in 2010 to include the City of D'Iberville and Harrison County. To reflect our expanded FOM we changed our name to Coastal Credit Union.  In 2017, Coastal Credit Union converted from a state chartered to a federally chartered credit union and changed our name to Southern Coastal Federal Credit Union.  

Southern Coastal is a not-for-profit, democratically controlled, member-owned, financial cooperative established in 1973.  The credit union provides a safe and convenient place for members to save and borrow at favorable rates of interest.  Members elect a VOLUNTEER Board of Directors and Committee Members who oversee the general operations of the credit union on behalf of the membership. 


Become a Member

No fees to join, stop by TODAY!

Employees, retirees and family members of the following are eligible for accounts: 

  • Biloxi Housing Authority
  • Merit Health Biloxi formerly Biloxi Regional Medical Center
  • City of Biloxi
  • City of D'Iberville
  • Gulf Coast Surgery Center
  • Gulf Oaks Hospital
  • Harrison County
  • Harrison County Library System
  • Physicians offices affiliated with Merit Health
  • Swetman Security Services
  • If your business or job has a common bond with the above groups, you can join!

To join, simply bring in a valid driver's license or photo ID and your social security card or employer badge to our office.  Once you join the credit union, you may keep your membership even after you retire or leave your job.  "Once a member, always a member!"


Board of Directors

  • Harold Windom Jr., Chairman

  • William Raymond Jr., Vice-Chairman

  • Pinkey Lewis, Secretary

  • Carolyn Marie, Member

  • Robert Fell Jr., Member

  • John Jennings, Member

  • Christy Druey, Member