Community South Credit Union Chipley FL | Affordable Auto Loans & ATM Services

Introduction

Welcome to Community South, your trusted financial partner located at 1044 Highway 90, Chipley, FL 32428. Established in 1991, we have proudly served our community for over three decades, growing to a membership of 14,621 individuals who rely on us for their banking needs. With total assets amounting to an impressive $235,465,588 and total deposits reaching $15,249,340, we stand as a robust and reliable choice for your financial journey. At Community South, we believe in supporting our members not just with competitive rates on loans and savings but also by fostering a sense of community. Our dedicated team, led by CEO Jan Page and Board President Ira Carter, works tirelessly to ensure that you receive personalized service tailored to your unique needs. We currently employ 55 staff members who are committed to making your experience seamless and enjoyable. While you can visit us at our branch address, please note that any official correspondence should be sent to our mailing address: PO Box 623, Chipley, FL 32428. Whether you're looking for personal banking solutions like checking accounts and auto loans or business services such as merchant services and business loans, we've got you covered. We offer a variety of services including online and mobile banking options to keep your finances within reach wherever you go. Our commitment goes beyond just numbers; it's about building lasting relationships within the community we serve. If you have questions or need assistance, don't hesitate to reach out! You can give us a call at 850-638-8376 or explore more about what we offer by visiting our website at Community South. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Community South has a rich legacy that began in 1991 when we opened our doors in Chipley, Florida. Over the years, we have grown from a small credit union into a trusted financial partner for over 14,600 members. Located at 1044 Highway 90, our branch is easily accessible and serves as a cornerstone of the community. Whether you're visiting us for personal banking or business services, you can always count on us to be there for you. Our mission at Community South is simple yet powerful: to empower our members by providing exceptional financial services while supporting the growth of our community. We believe that when our members thrive, so does our entire community. Our commitment goes beyond just offering competitive rates on loans and savings accounts; it extends to being an active participant in local initiatives and outreach programs. While members can visit us at 1044 Highway 90 Chipley Fl 32428, official correspondence should be sent to PO Box 623, Chipley, FL 32428. Our operating hours are designed to fit your busy schedule: Monday through Thursday from 7:00 AM to 4:30 PM, Friday from 7:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. With ATM availability and drive-thru banking options, we make banking convenient for everyone. As we continue to grow and adapt to the changing needs of our members, we've embraced digital advancements that enhance accessibility and convenience. Our online banking platform allows you to manage your accounts with ease, while mobile payments and electronic signatures ensure a smooth experience. Community South is more than just a place for transactions; it's about building relationships. We take pride in forming partnerships with local businesses and organizations to foster economic development and provide opportunities for all residents of Chipley and surrounding areas. We invite you to join us at Community South. Experience firsthand the difference that comes from being part of a credit union that truly cares about its members and their success. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

ATM Access for Your Convenience

For those who need quick cash or want to check their balance, we have an ATM available right outside our branch. This means you can access your funds any time of day without needing to step inside.

Connect with Us Today!

Ready to experience the friendly service at Community South? Give us a call at 850-638-8376 or stop by during our operating hours. We look forward to welcoming you into our community!

Convenient Services and Accessibility

At Community South, we pride ourselves on providing accessible banking services. Our branch features ample parking and is designed with accessibility in mind, ensuring everyone can visit us comfortably. If you prefer to handle your banking from the comfort of your vehicle, take advantage of our drive-thru service, where you can make deposits and withdrawals quickly and easily. While members can visit us at our main location for all their financial needs, official correspondence should be directed to our mailing address at PO Box 623, Chipley, FL 32428.

Operating Hours that Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours to accommodate your schedule. Our lobby is open Monday through Thursday from 7:00 AM to 4:30 PM, with extended hours on Friday until 5:30 PM. If you need to stop by on Saturday, we're here for you from 9:00 AM until noon.

Member Eligibility

Becoming a member of Community South feels like joining a welcoming family dedicated to supporting your financial journey. If you live, work, worship, or attend school in Washington County, you're already eligible to join us! We believe that everyone deserves access to friendly service and great financial products. Whether you're looking for a new checking account, an auto loan, or simply want to save more effectively, Community South is here for you. For detailed eligibility criteria and updates, feel free to check out our website at http://www.communitysouth.net/about/membership/ . Opening your account is straightforward and can be done online! Just visit http://www.communitysouth.net/online-branch/signup/ to get started. If you have any questions or need assistance, don't hesitate to call us at 850-638-8376. Our team is ready to help you every step of the way as you embark on this rewarding journey with us at Community South, located at 1044 Highway 90, Chipley, FL 32428.

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $92 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,944,959, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer essential merchant services tailored for your everyday operations. Imagine having the ability to process payments easily, manage transactions seamlessly, and access funds quickly. Our tools are designed to help you operate efficiently, allowing you to focus on what matters most growing your business. Located at 1044 Highway 90 Chipley Fl 32428 in Chipley, FL, our team is ready to assist you. Contact us today at (850) 638-8376 to explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For our members who run businesses, we provide comprehensive business banking services, including merchant services and business loans. We understand that operating a business involves numerous challenges, and we're here to help ease that burden with financial products tailored for business owners.

Convenient Access

Accessibility is key when it comes to banking. With our ATM availability, you can withdraw cash or check your balance without stepping into the branch. Our drive-thru banking service allows you to complete basic transactions like deposits and withdrawals quickly from your vehicle perfect for those busy days when time is tight.

Credit Cards with Benefits

Our credit cards with rewards provide an excellent way to earn while you spend. Whether it's cash back on everyday purchases or points towards travel, these cards can help maximize your spending power.

Join Us Today!

At Community South, we believe in building strong relationships with our members through personalized service and community support. If you're interested in any of our services or have questions about how we can assist you in reaching your financial goals, don't hesitate to reach out! Call us at 850-638-8376 or visit us online at Community South. We look forward to welcoming you into our family!

Loans Made Simple

Looking to buy a new car or refinance your home? Our auto loans and vehicle financing services make it easier than ever to get on the road with a payment plan that fits your budget. If you're considering buying a home, our mortgage loans and refinancing options are designed to help you find the best rates available. We also offer personal loans and debt consolidation services to help you manage your expenses efficiently.

Personal Banking

We know that everyone has unique financial goals. That's why our personal banking options, including checking and savings accounts, are designed with flexibility in mind. Whether you're saving for a big purchase or just want a safe place for your money, we have the right account for you. You can easily manage your accounts through our online and mobile banking platforms, allowing you to check balances, pay bills, and transfer money whenever it suits you.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at Community South, you can access your accounts anytime, anywhere. From checking your balance to transferring funds, everything is just a login away. Plus, with features like electronic signatures, you can easily authorize transactions without the hassle of paperwork.

Mobile Banking Made Easy

Our mobile application gives you the power to manage your finances right from your smartphone. You can make person-to-person transfers effortlessly, pay bills, and even utilize mobile payments for a quick checkout experience. Need to check your e-statements? No problem! You can view them instantly through our app, ensuring you're always in the loop.

Security You Can Trust

We prioritize your security in every aspect of our digital banking services. Our systems are designed to keep your information safe while providing user-friendly access to all necessary features. With electronic signature authorization and secure logins, you can bank with peace of mind knowing that your data is protected. In today's fast-paced world, having reliable and accessible banking tools is essential. At Community South, we strive to provide you with everything you need for real-time account management and effortless financial tracking. Explore our digital banking services today and discover how easy it can be to stay on top of your finances!

Financial Strength

Growing Member Base

Total Share Accounts stand at 29,920, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending are currently at $0, but this allows us to focus entirely on serving existing member needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community South is your trusted partner. Visit us at 1044 Highway 90 Chipley FL 32428 or call 850-638-8376 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $1,017,728 reflects our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 55 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $23,673,711 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment is evident as we support our community with $185,352,053 in total loans and leases, including $18,178,369 dedicated to used auto loans alone.

Secure Savings for Members

Members' savings are secured through $60,918,058 in share certificates and $5,294,679 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $20,444,000, 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 $29,174,189, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.37% 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

Additional Financing Options

If you're a business owner looking for funding opportunities, our outstanding commercial loans totaling $3,944,959 provide the capital needed to grow and expand your business. For those interested in credit lines, we offer access to $12,500,000 in total credit lines to help ensure you have funds available when needed. At Community South, we prioritize member satisfaction and strive to provide transparent terms with clear eligibility options for all our loan products. To find out more about refinancing or other eligibility criteria, please visit our website at Community South or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial journey let's work together towards achieving your goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $33,378,569 in used vehicle loans and $18,018,747 in new vehicle loans already helping members get on the road. We offer competitive terms and flexible repayment options to make financing your vehicle straightforward and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $4,132,232, making buying or refinancing simple. We aim to assist you through every step of the home-buying process so that you feel confident in your investment.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,600,550 in loans helping members manage their finances effectively. This option provides an easy way to cover unexpected expenses or simply make purchases without tying up your savings.

Loan Aggregator

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COMMUNITY SOUTH CREDIT UNION