Macon, GA 31210

Notable Rates APY Vs.Others
Savings 0.25% 2.30% →
1-Year CD 1.00% 2.25% →
2-Year CD 1.65% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Midsouth Community is an NCUA insured institution located in Macon, GA. It was founded in 1936 and has approximately $284.2 millions in assets.

Who can join?

Membership is open to any person who lives, works, worships, or attends school in these Middle Georgia counties: Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson.

Once you become a member, your family is also eligible to join.

NCUA Insured Yes
Charter Number # # 1410
Date Established 1936
Assets $284.20 million
Loans $193.60 million
Deposits $240.59 million
Capital $37.01 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in the Georgia counties of Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson.

Deposit Rates - December 11, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $2,000 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $49,999 Learn MoreShow Less
1.00% $1,000 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $10,000 - Learn MoreShow Less
12 Mo CD
1.00% $10,000 - Learn MoreShow Less
24 Mo CD
1.65% $10,000 - Learn MoreShow Less
36 Mo CD
1.70% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.70% $100 $10,000 Learn MoreShow Less
Checking Rates APY MIN FEE
iChecking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - December 11, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for MIDSOUTH COMMUNITY

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972
3.649% 3.625% -0.13 $776 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% -0.13 ($242) $1,141 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.633% 3.625% 0.13 $248 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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


Below are Midsouth Community 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:

Midsouth Community Locations

Financial Details

Midsouth Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Midsouth Community. 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
Midsouth Community U.S. Average
5.79% 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, Midsouth Community had $1,816,760 in non-current loans and $429,200 in owned assets. To cover these potential losses it had $37,007,239 in net worth and $1,777,798 in loans loss reserves. That gives it a Texas Ratio of 5.79%.

Net Worth
Midsouth Community U.S. Average
13.02% 13.65%

Midsouth Community FCU has a net worth of 13.02% 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 Midsouth Community

Branches and Savings

What is Midsouth Community?

A federal credit union, registered with the NCUA under certificate #1410.
Learn more about credit unions here.

Is Midsouth Community 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 Midsouth Community?

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

What are Midsouth Community's share account and share certificate rates?

Midsouth Community'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 Midsouth Community?

Midsouth Community has total capital of $37.01 million. Full information on Midsouth Community's financial position is located above.

Who owns Midsouth Community?

Credit Unions are owned by their members.

Where are Midsouth Community branches located?

See branch locations nearby.

Are Midsouth Community ATMs Open 24/7?

Do Midsouth Community ATMs accept cash deposits?

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

Does Midsouth Community have a mobile app?

Does Midsouth Community have mobile deposit?

Does Midsouth Community have quick pay?

How can Midsouth Community transfer money to other banks or credit unions?

Does Midsouth Community report to credit bureaus?

Does Midsouth Community use Chexsystems?

Does Midsouth Community use Equifax?

What is Midsouth Community's toll free phone number?

What is Midsouth Community's ACH Routing Number?

What is Midsouth Community's SWIFT code?

Where can I find Midsouth Community's wire transfer form?

What is the Midsouth Community address for deposits?

What Products Does Midsouth Community Offer

Does Midsouth Community offer mortgages?

Compare mortgage rates here.

Does Midsouth Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Midsouth Community offer auto and RV loans?

Compare auto loan rates here.

Does Midsouth Community offer student loans or personal loans?

Compare personal loan rates here.

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