Ferguson Federal Credit Union
Headquarters
1026 E Broad St
Monticello, MS 39654
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2024 Overview
General Credit Union Information
Ferguson is an NCUA insured institution located in Monticello, MS. It was founded in 1968 and has approximately $92.16 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 18515 |
| Date Established | 1968 |
| Assets | $92.16 million |
| Loans | $59.56 million |
| Deposits | $83.49 million |
| Capital | $10.39 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 - September 10, 2024
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
0.35% | $2,500 | $2,999 |
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|
|
Money Market
|
0.55% | $10,000 | $14,999 |
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|
|
Money Market
|
0.55% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.36% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.36% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - September 10, 2024
Your Current Location: Virginia, VA 20146
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 - Virginia 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.081% | 5.990% | 0.75 | $3,132 | $1,917 | Learn More |
NMLS ID: 3030 |
6.572% | 6.500% | 0.75 | $2,400 | $2,023 | Learn More |
NMLS ID: 399801 |
Learn More | |||||
NMLS ID: 6606 |
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Featured - Virginia Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.990 %
|
$0 |
Learn More
More Info |
Note to Ferguson
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Branches
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:
Ashburn,Virginia
Ferguson Locations around zip code 20146
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 845.35 | A | View Lobby Hours |
Climate Policy and Initiatives
FERGUSON is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 31.87% | 6.52 |
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 March 31, 2024, Ferguson had $3,301,486 in non-current loans and $192,031 in owned assets. To cover these potential losses it had $10,389,713 in net worth and $570,700 in loans loss reserves. That gives it a Texas Ratio of 31.87%.
Net Worth
| Ferguson | U.S. Average |
|---|---|
| 11.21% | 13.65% |
Ferguson FCU has a net worth of 11.21% 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.
Customer Reviews for Ferguson
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