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iAdvertiser Disclosure
Advertiser Disclosure
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 Community South Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 30, 2026
Community South Credit Union's 12-Month CD rates are at 3.55%, 6-Month CD rates are at 3.55%, 24-Month CD rates are at 3.29%, 36-Month CD rates are at 3.03%, 60-Month CD rates are at 3.03%. 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 Credit Card Rates are at 7.90%. Community South Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 5.10%. Rates last updated and verified on 10/30/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Other Rates
Financial Health HistoryCommunity South Credit Union’s Texas Ratio rose from 1.60% in Q3 2023 to 5.10% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
4
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+ (97/100)
Texas Ratio
5.10%
Return on Assets (ROA)
0.3538%
Return on Equity (ROE)
2.7103%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
244,608,648
Total Amount of Shares and Deposits
209,439,888
Total Shares and Deposits < 1 Year
193,446,753
Total Shares and Deposits 1 3 Years
924,485
Total Shares and Deposits > 3 Years
15,068,651
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,906,626
Total Uninsured Shares and Deposits > $250K (F+J)
6,906,626
Total Insured Shares and Deposits > $250K (item 17 less item K)
202,533,262
Total Interest Expense (Sum of items 6 8)
1,714,286
Share Certificates
1,071
Number of Accounts for Share Drafts
12,055
IRA KEOGH Accounts
161
Number of Accounts for Regular Shares
17,307
Non Member Deposits
7
Money Market Shares
98
Net Income (unless the amount is already included in Undivided Earnings)
865,430
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
29,650,721
Total Liabilities
213,057,754
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Community South Credit UnionDoes Community South Credit Union offer CDs?Yes. Community South Credit Union current CD rates include its 12-Month CD at 3.55% APY, its 6-Month CD at 3.55% APY and its 24-Month CD at 3.29% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Community South Credit Union NCUA insured?Yes. Community South Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Community South Credit Union?The highest Community South Credit Union CD rate is its 12-Month IRA CD at 3.55% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Community South Credit Union offer?Community South Credit Union CD rates are 3.55% APY for a 6 month CD, 3.55% APY for a 12 month CD, 3.29% APY for a 2 year CD, 3.03% APY for a 3 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Community South Credit Union for its full lineup. What is the highest savings rate at Community South Credit Union?The highest Community South Credit Union savings rate is its Savings Account at 0.20% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Community South Credit Union?The highest Community South Credit Union money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Community South Credit Union?The lowest Community South Credit Union credit card APR is its Platinum Credit Card at 7.90% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Community South Credit Union rates compare?Community South Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. Community South Credit Union's top rates are its 12-Month IRA CD at 3.55% APY, its Savings Account at 0.20% APY, its Money Market at 0.50% APY and its Platinum Credit Card at 7.90% APR, verified by MonitorBankRates on October 30, 2026. Current Community South Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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