SOUTHERN MISSISSIPPI

3318 HARDY ST
Hattiesburg, MS 39401

Notable Rates APY Vs.Others
Savings 0.35% 2.25% →
1-Year CD 1.25% 2.25% →
2-Year CD 1.60% 2.50% →
5-Year CD 2.50% 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

Southern Mississippi is an NCUA insured institution located in Hattiesburg, MS. It was founded in 1956 and has approximately $43.81 millions in assets.

NCUA Insured Yes
Charter Number # # 24668
Date Established 1956
Assets $43.81 million
Loans $31.95 million
Deposits $38.67 million
Capital $4.64 million
 

Deposit Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $1,500 $25,000 Learn MoreShow Less
Money Market
0.35% $25,001 $50,000 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
0.80% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.60% $500 - Learn MoreShow Less
36 Mo CD
2.10% $500 - Learn MoreShow Less
48 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $25 - Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SOUTHERN MISSISSIPPI

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Connecticut 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
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$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
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

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



Branches

Below are Southern Mississippi 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:
Fairfield,Connecticut


Southern Mississippi Locations


Financial Details

Southern Mississippi Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Mississippi. 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
Southern Mississippi U.S. Average
11.94% 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, Southern Mississippi had $498,366 in non-current loans and $111,025 in owned assets. To cover these potential losses it had $4,640,587 in net worth and $465,203 in loans loss reserves. That gives it a Texas Ratio of 11.94%.

Net Worth
Southern Mississippi U.S. Average
10.59% 13.65%

Southern Mississippi FCU has a net worth of 10.59% 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 Southern Mississippi

Branches and Savings

What is Southern Mississippi?

A federal credit union, registered with the NCUA under certificate #24668.
Learn more about credit unions here.

Is Southern Mississippi 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 Southern Mississippi?

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

What are Southern Mississippi's share account and share certificate rates?

Southern Mississippi'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 Southern Mississippi?

Southern Mississippi has total capital of $4.64 million. Full information on Southern Mississippi's financial position is located above.

Who owns Southern Mississippi?

Credit Unions are owned by their members.

Where are Southern Mississippi branches located?

See branch locations nearby.

Are Southern Mississippi ATMs Open 24/7?

Do Southern Mississippi ATMs accept cash deposits?

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

Does Southern Mississippi have a mobile app?

Does Southern Mississippi have mobile deposit?

Does Southern Mississippi have quick pay?

How can Southern Mississippi transfer money to other banks or credit unions?

Does Southern Mississippi report to credit bureaus?

Does Southern Mississippi use Chexsystems?

Does Southern Mississippi use Equifax?

What is Southern Mississippi's toll free phone number?

What is Southern Mississippi's ACH Routing Number?

What is Southern Mississippi's SWIFT code?

Where can I find Southern Mississippi's wire transfer form?

What is the Southern Mississippi address for deposits?

What Products Does Southern Mississippi Offer

Does Southern Mississippi offer mortgages?

Compare mortgage rates here.

Does Southern Mississippi offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern Mississippi offer auto and RV loans?

Compare auto loan rates here.

Does Southern Mississippi offer student loans or personal loans?

Compare personal loan rates here.

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