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ONE SOUTH

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ONE SOUTH Rates & Review March 2026

Q: Is ONE SOUTH a safe place to deposit money?

Yes, ONE SOUTH is considered a safe financial institution. With a Texas Ratio of 8.8857937853195%, 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.

Q: How many branches does ONE SOUTH operate?

ONE SOUTH currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join ONE SOUTH?

Yes, to access services at ONE SOUTH, 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.

Q: Is there a first-time homebuyer program?

Currently, ONE SOUTH 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ONE SOUTH provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare ONE SOUTH rates to other rates in our database, including 12-month share certificate rates currently at 0.00%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 0.55%. Savings rates are at 0.30% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates can be compared to ONE SOUTH rates. MonitorBankRates evaluates the financial stability of ONE SOUTH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.89%. Rates were last updated on 03/28/2026.

ONE SOUTH 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 ONE SOUTH? Share your experience about ONE SOUTH by leaving a review below, or read customer reviews before you decide to use ONE SOUTH.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.89%

Excellent Higher than avg

Peoples State Bank of Wells
Corporate office

148 N SHIELDS LN
NATCHEZ, MS 39120 4195

http://www.oldsouthfcu.com

Current Rate Availability

We do not have ONE SOUTH rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ONE SOUTH 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 ONE SOUTH 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 ONE SOUTH's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ONE SOUTH

Website http://www.oldsouthfcu.com

Address 148 N SHIELDS LN, NATCHEZ, MS 39120 4195

Phone 601-442-4382

Fax 601-446-9592

President Jerry Geter

CEO STACY MCCANN

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.89%

Return on Assets (ROA)

1.4495%

Return on Equity (ROE)

6.8784%

Non-Performing Loans Ratio (NPL)

3.65%

Total Assets

16,800,868

Total Amount of Shares and Deposits

13,951,623

Total Shares and Deposits < 1 Year

13,951,622

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

53,881

Total Uninsured Shares and Deposits > $250K (F+J)

53,881

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,897,742

Total Interest Expense (Sum of items 6 8)

18,002

Number of Accounts for Share Drafts

996

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,958

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,501,225

Total Liabilities

14,011,998

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About ONE SOUTH

Is ONE SOUTH a safe place to deposit money?

Yes, ONE SOUTH is considered a safe financial institution. With a Texas Ratio of 8.8857937853195%, 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 ONE SOUTH operate?

ONE SOUTH 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 ONE SOUTH?

Yes, to access services at ONE SOUTH, 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, ONE SOUTH 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, ONE SOUTH provides members with tools to manage their accounts and build a solid financial history.

Does ONE SOUTH offer online and mobile banking?

Most modern institutions like ONE SOUTH 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: http://www.oldsouthfcu.com.