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 Community South Credit Union Rates & Review September 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 and Verified: September 22, 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 Credit Card Rates are at 7.90%. 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 2.53%. Rates last updated and verified on 09/22/2026. 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 Other Rates
Financial Health HistoryCommunity South Credit Union’s Texas Ratio rose from 1.14% in Q2 2023 to 2.53% in Q1 2026, so its financial health has stayed very strong 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
54
Part-Time Employees
1
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+ (99/100)
Texas Ratio
2.53%
Return on Assets (ROA)
0.2216%
Return on Equity (ROE)
1.6771%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
239,116,380
Total Amount of Shares and Deposits
205,158,143
Total Shares and Deposits < 1 Year
188,929,040
Total Shares and Deposits 1 3 Years
564,356
Total Shares and Deposits > 3 Years
15,664,747
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,126,124
Total Uninsured Shares and Deposits > $250K (F+J)
11,126,124
Total Insured Shares and Deposits > $250K (item 17 less item K)
194,032,019
Total Interest Expense (Sum of items 6 8)
858,002
Share Certificates
1,072
Number of Accounts for Share Drafts
12,099
IRA KEOGH Accounts
161
Number of Accounts for Regular Shares
17,192
Non Member Deposits
17
Money Market Shares
99
Net Income (unless the amount is already included in Undivided Earnings)
529,881
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)
28,766,618
Total Liabilities
207,902,044
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Community South Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Community South Credit Union
Frequently Asked Questions About Community South Credit UnionHow 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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