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Advertiser Disclosure
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 Midsouth Community Federal 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.
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: April 17, 2026
Midsouth Community Federal Credit Union's savings rates are at 0.25%. Midsouth Community Federal Credit Union's money market rates are at 0.60%. Midsouth Community Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Midsouth Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.09%. Rates were last updated on 04/17/2026. Midsouth Community Federal 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 Midsouth Community Federal Credit Union? Share your experience about Midsouth Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Midsouth Community Federal Credit Union. Midsouth Community Federal Credit Union
Mercer Office 4810 Mercer University Dr
https://www.midsouthfcu.org Macon, GA 31210 5675 
Midsouth Community Federal Credit Union Savings Rates
Midsouth Community Federal Credit Union Money Market Rates
Midsouth Community Federal Credit Union Checking Rates
Midsouth Community Federal Credit Union Home Equity & HELOC
Midsouth Community Federal Credit Union Auto Loan Rates
Midsouth Community Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Midsouth Community Federal 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 Midsouth Community Federal 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 Midsouth Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Midsouth Community Federal Credit Union
Website
https://www.midsouthfcu.org
Address
4810 Mercer University Dr,
Macon, GA 31210 5675
Phone
478-471-9946
Fax
478-757-7989
President
Cecil Ethridge
CEO
Roy Bibb
Full-Time Employees
108
Part-Time Employees
5
Branch Locations
9
ATM Locations
8
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
5.09%
Return on Assets (ROA)
0.9559%
Return on Equity (ROE)
6.8178%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
472,829,437
Total Amount of Shares and Deposits
408,080,898
Total Shares and Deposits < 1 Year
399,077,029
Total Shares and Deposits 1 3 Years
7,457,767
Total Shares and Deposits > 3 Years
1,546,102
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,819,107
Total Uninsured Shares and Deposits > $250K (F+J)
27,819,107
Total Insured Shares and Deposits > $250K (item 17 less item K)
380,261,791
Total Interest Expense (Sum of items 6 8)
4,135,911
Share Certificates
3,041
Number of Accounts for Share Drafts
26,119
IRA KEOGH Accounts
862
Number of Accounts for Regular Shares
46,160
All other shares
47
Money Market Shares
1,791
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
37,550,554
Total Liabilities
415,299,304
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Midsouth Community Federal Credit UnionIs Midsouth Community Federal Credit Union a safe place to deposit money?Yes, Midsouth Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0857701002974%, 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 Midsouth Community Federal Credit Union operate?Midsouth Community Federal 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 Midsouth Community Federal Credit Union?Yes, to access services at Midsouth Community Federal 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, Midsouth Community Federal 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, Midsouth Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Midsouth Community Federal Credit Union offer online and mobile banking?Most modern institutions like Midsouth Community Federal 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.midsouthfcu.org. Current Midsouth Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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