CenturyFirst Credit Union Laurel MS | Affordable Auto Loans & ATM Services

Introduction

Welcome to Centuryfirst, your trusted partner in financial services located at 315 Sawmill Rd Ste 214, Laurel, MS 39440. Since our establishment in 1956, we have been dedicated to serving our community with a personal touch and a commitment to helping our members achieve their financial goals. With over 12,500 members and assets totaling $91,849,301, we are proud to be an integral part of the Laurel community. At Centuryfirst, we believe that banking should be accessible and straightforward. Our total deposits amount to $1,197,294, providing a solid foundation for the loans and services we offer. With more than 7,010 loans and leases under our belt, we aim to empower our members whether it's through auto financing, mortgages, or personal loans. While members can visit us at our branch location in Laurel, official correspondence should be sent to our mailing address: P O Box 373, Laurel, MS 39440. We're here for you Monday through Friday from 9 AM to 4:30 PM, with a lunch break from 12 PM to 1 PM. Led by our experienced CEO John Harmond and Board President Tommy Roccioni, our team of 37 employees is dedicated to providing top-notch service tailored to your needs. Our net worth stands at an impressive $13,356,795, reflecting our strong financial health and commitment to member satisfaction. Explore the various services we offer on our website at CenturyFirstFCU.com, including online banking options for easy access to your accounts anytime. Whether you're looking for assistance with everyday banking or planning for future investments, Centuryfirst is here to guide you every step of the way. We invite you to stop by or give us a call at 601-425-5461 today! Let us help you unlock your financial potential while being part of a cooperative that truly cares about its members.

Branch History & Mission

A Legacy of Growth and Service

Founded in 1956, Centuryfirst began its journey with a vision to create a financial institution that prioritizes its members' interests. Since then, we have grown significantly, now boasting a total membership of over 12,522 individuals. Our commitment to serving our members has allowed us to accumulate total assets of approximately $91,849,301. Located at 315 Sawmill Rd Ste 214, Laurel, MS 39440, our branch is easily accessible and close to key local landmarks. While members can visit us at this location for their banking needs, official correspondence should be sent to P.O. Box 373, Laurel, MS 39440.

Commitment to Innovation

In today's digital world, we understand the importance of convenience and accessibility. That's why we've embraced technology with online and mobile banking services that allow our members to manage their finances on-the-go. Our branch also features ADA compliance to ensure everyone can access our services comfortably. While we currently do not offer ATM or drive-thru services at this location, we do provide shared service center access for basic transactions like deposits and withdrawals for partner credit union members. We strive to make every interaction as seamless as possible.

Join Us Today!

As we look toward the future, we invite you to become part of the Centuryfirst family. Experience firsthand how we prioritize your financial needs while making a positive impact in Laurel and beyond. Whether you're seeking a loan or simply want to open an account, our friendly team is here to assist you every step of the way. For more information about becoming a member or exploring our services further, please visit us at Centuryfirst's website or give us a call at 601-425-5461. Join us in building a stronger community together!

Our Mission Statement

At Centuryfirst, our mission is simple: we aim to empower our members through reliable financial services and unwavering support for the community. We believe in fostering financial well-being by offering personal banking options like checking and savings accounts, auto loans, mortgages, and business loans. Our dedication extends beyond traditional banking; we actively engage in community outreach initiatives that enrich the lives of those around us.

Branch Location & Accessibility

Convenient Access and Local Landmarks

Centuryfirst is situated near popular local spots, making it easy to stop by while you run errands or enjoy a day out. If you're visiting us from downtown Laurel or heading to the beautiful banks of the Leaf River, we're just a short drive away. Our branch offers ample parking and features that comply with ADA standards, ensuring that everyone can access our services comfortably.

Operating Hours and Services

We know that life gets busy, so we've set our operating hours to fit your schedule! Our lobby is open Monday through Friday from 9 AM to 4:30 PM, with a brief break for lunch from 12 PM to 1 PM. During these hours, you can take advantage of a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. While we don't have an ATM on-site or drive-thru banking available, we are part of a shared service network that allows members from partner credit unions to make basic transactions like deposits and withdrawals right here at our branch.

Stay Connected

If you have questions or need assistance before your visit, feel free to call us at 601-425-5461. Our friendly team is always ready to help! While members can visit us at 315 Sawmill Rd Ste 214 for all their banking needs, please note that official correspondence should be sent to P O Box 373 in Laurel, MS. So why wait? Come visit Centuryfirst today where your financial journey begins!

Member Eligibility

At Centuryfirst, we believe that becoming a member means joining a close-knit community where everyone supports each other. If you're looking to join us at our Laurel location, located at 315 Sawmill Rd Ste 214 Laurel Ms 39440, you're in for a treat! To become a member, you just need to meet some simple eligibility requirements. Generally, if you live, work, or worship in the area, you're likely eligible! This means that anyone who is part of our local community can enjoy the benefits we offer. For more detailed information about what it takes to become a member, feel free to check out our eligibility guidelines at http://CenturyFirstFCU.com/membership-application . Opening an account with us is easy and straightforward. You can start your journey towards membership by visiting our account opening page at https://centuryfirst.cuconnections.com/login . If you have any questions or need assistance during the process, don't hesitate to reach out at (601) 425-5461. We are excited to welcome you into our family and provide you with personalized financial services tailored just for you!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Running a business means handling many moving parts, and our merchant services can ease some of that burden. Imagine having seamless payment processing options that allow you to accept payments anytime, anywhere whether it's in-person or online. This flexibility helps you serve your customers better while keeping your cash flow healthy. Located at 315 Sawmill Rd Ste 214 Laurel Ms 39440, Laurel, MS, we're here to help you navigate the financial landscape and achieve your goals. Connect with us at (601) 425-5461 to learn more about how we can assist your business today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $15 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,466,134, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For added convenience, we provide ATM and cash withdrawal services, along with basic shared branch transactions such as deposits and withdrawals for partner credit union members. This means even if you're traveling or away from home, you can easily access your funds. With all these services available at Centuryfirst, located at 315 Sawmill Rd Ste 214 Laurel Ms 39440, we invite you to explore how we can assist you in reaching your financial goals. Our friendly staff is ready to answer any questions you may have just give us a call at (601) 425-5461. We are here for you Monday through Friday from 9 AM to 4:30 PM (closed daily from 12 PM to 1 PM). Join us today and discover how banking can be easier and more rewarding! Visit us online at Laurel Branch or check out our membership application here.

Business Banking Services

At Centuryfirst, we recognize that small businesses are the backbone of our community. That's why we offer specialized Business Banking services, including merchant services that simplify payment processing and business loans designed to help your company grow.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your finances from anywhere, at any time. Whether you're paying bills or checking your balance, our secure digital platforms ensure you have access whenever you need it.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save for the future, we have you covered. Our Personal Banking options include checking and savings accounts that help you manage your day-to-day transactions while also saving for what matters most. Need a vehicle? Our Auto Loans & Vehicle Financing make it easy to drive off with the car you want, with competitive rates and flexible terms. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing solutions are tailored to guide you through every step of the process. If you find yourself needing extra cash for unexpected expenses, our Personal Loans & Debt Consolidation options provide a straightforward way to get back on track financially. Plus, with our Credit Cards with Rewards, you can earn benefits on everyday purchases.

Digital & Online Banking

Key Services

Our online banking service allows you to view balances, transfer funds, and pay bills effortlessly. You can also take advantage of our electronic signature authorization feature, making it simple to sign documents securely without needing to visit a branch. Plus, with e-statements available, you can go paperless and receive your account statements directly in your inbox keeping your finances organized and environmentally friendly. For those who are always on the move, our mobile application offers a user-friendly interface for managing your accounts from the palm of your hand. You can make mobile payments easily and securely, ensuring that you're never left fumbling for cash or cards. Additionally, our person-to-person transfer feature allows you to send money to friends or family quickly without any hassle.

Security and Accessibility

At Centuryfirst, we prioritize your security while providing these convenient services. Our systems are designed with top-notch security features so you can bank with confidence. Whether you're checking your balance late at night or transferring funds during lunch breaks, our 24/7 online banking services ensure that help is always just a click away. In summary, with tools like mobile payments, e-statements, and easy account management through our app and website, banking with us means more control over your finances while enjoying the peace of mind that comes with knowing your information is secure. Join us today at Centuryfirst where convenience meets reliability!

Financial Strength

Commitment to Growth

With $9,546,400 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,055 in used auto loans and $79,365,456 in total loans and leases.

Efficient Operations

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 35 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Trust

Total Share Accounts: 20,261 show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further highlight our commitment to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Centuryfirst is your trusted partner. Visit us at 315 Sawmill Rd Ste 214 Laurel Ms 39440 or call (601) 425-5461 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $11,012,416 in share certificates and $3,456,112 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,457,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $13,356,795, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,449 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $42,822,308 in used vehicle loans and $2,572,873 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Loans

For business owners looking for capital, we provide outstanding commercial loans totaling $3,466,134. These loans are tailored to support growth and expansion for local businesses in our community. In addition to these offerings, we have refinancing options available for those looking to lower their interest rates or adjust their payment terms. To learn more about eligibility requirements and how you can benefit from our loan products, visit our website or contact us at 601-425-5461. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Centuryfirst, we're dedicated to helping you navigate your financial future with confidence.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $715,833 in loans helping members manage their finances effectively. Our credit cards come with various features designed to meet your spending habits and help you build your credit score.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,655,213, make buying or refinancing simple. We know that securing a mortgage can feel overwhelming, but our experienced staff will work with you every step of the way to find the right solution for your budget and lifestyle.

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CENTURYFIRST FEDERAL CREDIT UNION