1026 East Broad St
Monticello, MS 39654

Notable Rates APY Vs.Others
Savings 0.25% 1.90% →
1-Year CD 1.91% 1.90% →
2-Year CD N.A. 1.95% →
5-Year CD N.A. 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Ferguson is an NCUA insured institution located in Monticello, MS. It was founded in 1968 and has approximately $83.7 millions in assets.

NCUA Insured Yes
Charter Number # # 18515
Date Established 1968
Assets $83.70 million
Loans $58.69 million
Deposits $73.26 million
Capital $10.40 million

Field of Membership Restrictions

Membership in Ferguson Federal Credit Union is open to employees of the Georgia Pacific Company (Ferguson Mill in Lawrence County, Mississippi) or several other companies. Membership is also open to all residents of Lawrence County.

Deposit Rates - April 4, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $505 $4,999 Learn MoreShow Less
Money Market
0.45% $2,500 $10,000 Learn MoreShow Less
Money Market
0.70% $10,001 $25,000 Learn MoreShow Less
Money Market
0.95% $25,001 $50,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
Variable IRA Rates APY MIN MAX
0.65% $500 $49,999 Learn MoreShow Less
Fixed IRA
1.91% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $500 - Learn MoreShow Less

Loan Rates - April 4, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for FERGUSON

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Ferguson branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Ferguson Locations

Financial Details

Ferguson Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ferguson. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ferguson U.S. Average
26.59% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Ferguson had $2,524,637 in non-current loans and $610,033 in owned assets. To cover these potential losses it had $10,400,238 in net worth and $1,389,916 in loans loss reserves. That gives it a Texas Ratio of 26.59%.

Net Worth
Ferguson U.S. Average
12.42% 13.65%

Ferguson FCU has a net worth of 12.42% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ferguson

Branches and Savings

What is Ferguson?

A federal credit union, registered with the NCUA under certificate #18515.
Learn more about credit unions here.

Is Ferguson FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Ferguson?

Please see Field of Membership information above for information on who is eligible to join.

What are Ferguson's share account and share certificate rates?

Ferguson's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ferguson?

Ferguson has total capital of $10.40 million. Full information on Ferguson's financial position is located above.

Who owns Ferguson?

Credit Unions are owned by their members.

Where are Ferguson branches located?

See branch locations nearby.

Are Ferguson ATMs Open 24/7?

Do Ferguson ATMs accept cash deposits?

Can Ferguson customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ferguson have a mobile app?

Does Ferguson have mobile deposit?

Does Ferguson have quick pay?

How can Ferguson transfer money to other banks or credit unions?

Does Ferguson report to credit bureaus?

Does Ferguson use Chexsystems?

Does Ferguson use Equifax?

What is Ferguson's toll free phone number?

What is Ferguson's ACH Routing Number?

What is Ferguson's SWIFT code?

Where can I find Ferguson's wire transfer form?

What is the Ferguson address for deposits?

What Products Does Ferguson Offer

Does Ferguson offer mortgages?

Compare mortgage rates here.

Does Ferguson offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ferguson offer auto and RV loans?

Compare auto loan rates here.

Does Ferguson offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Ferguson

There are currently no comments for Ferguson. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →