Question 1

What is MidSouth Community Federal Credit Union?

Accepted Answer

MidSouth Community Federal Credit Union is a community-focused federal credit union headquartered in Macon, Georgia. Founded in 1936, it is the oldest locally-owned financial institution in Macon, serving over 43,000 members across Middle Georgia.

With approximately $473 million in total assets, MidSouth Community FCU provides a full range of financial services to anyone who lives, works, worships, or attends school in thirteen Middle Georgia counties. The credit union emphasizes personalized service and community engagement while offering competitive rates and modern banking conveniences.

Question 2

When was MidSouth Community Federal Credit Union founded?

Accepted Answer

MidSouth Community Federal Credit Union was originally chartered in 1936, making it nearly 90 years old. It was established during the Great Depression era to provide financial services and support to the local Macon community.

Throughout its history, the credit union has evolved from serving a small local membership to becoming a significant regional financial institution serving over 43,000 members across thirteen counties. The credit union has maintained its commitment to being a locally-owned financial cooperative while expanding its services to meet modern banking needs.

Question 3

Where is MidSouth Community Federal Credit Union headquartered?

Accepted Answer

MidSouth Community Federal Credit Union is headquartered at 4810 Mercer University Drive in Macon, Georgia. This location serves as the main office for the credit union's operations throughout Middle Georgia.

Question 4

Where does MidSouth Community Federal Credit Union operate?

Accepted Answer

MidSouth Community Federal Credit Union serves members across thirteen Middle Georgia counties. These counties include Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson.

Membership is open to anyone who lives, works, worships, or attends school in any of these counties. This broad geographic reach allows the credit union to serve a diverse membership base throughout the region.

Question 5

What services does MidSouth Community Federal Credit Union offer?

Accepted Answer

MidSouth Community FCU offers a comprehensive suite of financial products and services. Deposit accounts include savings accounts, checking accounts, certificates of deposit, IRAs, and money market accounts.

Loan products encompass auto loans, personal loans, mortgage loans through their partnership with Our Mortgage Team, and home equity lines of credit with competitive rates. The credit union also provides credit cards with various options for members.

Digital banking services include online banking, mobile banking, bill pay, and easy-to-use account management tools. Members can also schedule appointments with representatives and make loan payments online for added convenience.

Question 6

What makes MidSouth Community Federal Credit Union unique?

Accepted Answer

As the oldest locally-owned financial institution in Macon, MidSouth Community FCU brings nearly 90 years of community banking experience. The credit union distinguishes itself through its deep roots in Middle Georgia and commitment to keeping financial services local.

The credit union offers competitive promotional rates, such as home equity lines of credit with introductory rates as low as 4.99% APR, with the credit union paying closing costs. Members benefit from the credit union's focus on personalized service and community-centered banking.

MidSouth Community FCU holds low-income designation status, reflecting its commitment to serving underserved communities. The credit union maintains strong financial performance with a return on average assets of approximately 1.29% and a healthy net worth ratio of 13.98%.

Question 7

What type of financial institution is MidSouth Community Federal Credit Union?

Accepted Answer

MidSouth Community Federal Credit Union is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). As a federal credit union, member deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund.

The credit union operates as a not-for-profit financial cooperative owned by its members. This cooperative structure means that members are also owners, and the credit union's primary focus is serving member needs rather than generating profits for external shareholders.

Membership is based on a geographic common bond, welcoming anyone who lives, works, worships, or attends school in the thirteen-county service area. This community charter model allows the credit union to serve a broad membership base while maintaining its local focus.

MidSouth Community Federal Credit Union

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About MidSouth Community Federal Credit Union in the United States