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 Community South Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Community South Credit Union's 12-Month IRA CD rates are at 3.55%, 12-Month CD rates are at 3.55%, 6-Month IRA CD rates are at 3.55%, 6-Month CD rates are at 3.55%, 24-Month IRA CD rates are at 3.29%. Community South Credit Union's savings rates are at 0.20%. Community South Credit Union's money market rates are at 0.50%. Community South Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Community South Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates were last updated on 04/08/2026. Community South Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community South Credit Union? Share your experience about Community South Credit Union by leaving a review below, or read customer reviews before you decide to use Community South Credit Union. Community South Credit Union
Chipley Main 1044 Highway 90
https://www.communitysouth.net Chipley, FL 32428 
Community South Credit Union CD Rates
Community South Credit Union Savings Rates
Community South Credit Union Money Market Rates
Community South Credit Union Credit Card Rates
Community South Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community South Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community South Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community South Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community South Credit Union
Website
https://www.communitysouth.net
Address
1044 Highway 90,
Chipley, FL 32428
Phone
850-638-8376
Fax
850-638-4055
President
Ira Carter
CEO
Jan Page
Full-Time Employees
55
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.51%
Return on Assets (ROA)
0.5368%
Return on Equity (ROE)
4.0880%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
233,274,184
Total Amount of Shares and Deposits
201,045,472
Total Shares and Deposits < 1 Year
185,034,913
Total Shares and Deposits 1 3 Years
873,313
Total Shares and Deposits > 3 Years
15,137,245
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,697,268
Total Uninsured Shares and Deposits > $250K (F+J)
8,697,268
Total Insured Shares and Deposits > $250K (item 17 less item K)
192,348,204
Total Interest Expense (Sum of items 6 8)
3,020,800
Share Certificates
1,062
Number of Accounts for Share Drafts
12,180
IRA KEOGH Accounts
170
Number of Accounts for Regular Shares
17,191
Non Member Deposits
17
Money Market Shares
100
Net Income (unless the amount is already included in Undivided Earnings)
1,252,254
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,407,132
Total Liabilities
203,251,996
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Community South Credit UnionIs Community South Credit Union a safe place to deposit money?Yes, Community South Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5099375906413%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Community South Credit Union operate?Community South Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Community South Credit Union?Yes, to access services at Community South Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Community South Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Community South Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Community South Credit Union offer online and mobile banking?Most modern institutions like Community South Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.communitysouth.net. Current Community South Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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