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

Introduction

Welcome to Community South, your trusted partner in financial wellness located at 1447 Main St, Chipley, FL 32428. Since our establishment in 1991, we've been committed to serving our community with a focus on personalized banking solutions tailored to meet the unique needs of our 14,621 members. With total assets of $235,465,588 and robust offerings such as auto loans, mortgages, and business financing, we strive to empower you on your financial journey. Our friendly team is led by Jan Page, our dedicated CEO, and guided by the vision of our Board President, Ira Carter. Together, we prioritize building lasting relationships with our members while ensuring their financial goals are met. Whether you're looking to save for the future or finance your next vehicle, we're here to support you every step of the way. While members can visit us at 1447 Main St, official correspondence should be sent to our mailing address: 1447 Main Street, Chipley, FL 32428. We invite you to explore our wide range of services that include personal banking options, credit cards with rewards, and convenient online banking features. At Community South, we take pride in being an integral part of the Chipley community. With 55 employees working hard to deliver exceptional service and a net worth of $29,174,189, we are not just a credit union; we are your neighbors invested in your success. Ready to take control of your finances? Call us today at 850-638-8376 or visit our website at www.communitysouth.net. Join us in making financial dreams a reality!

Branch History & Mission

Community South has a proud history of serving the residents of Chipley, Florida, since its founding in 1991. Nestled at 1447 Main St, Chipley, FL 32428, our branch has grown alongside our community, evolving to meet the diverse financial needs of our members. With a focus on personalized service and community support, we have built a strong reputation that resonates within Washington County. Over the years, Community South has expanded significantly. Today, we proudly serve over 14,621 members and manage total assets of $235,465,588. Our journey reflects our commitment to providing top-notch financial services while fostering relationships with our members and local businesses. We are dedicated to not just meeting financial goals but also enhancing the quality of life in our community through various outreach programs and partnerships. At Community South, our mission is simple yet profound: to empower our members with accessible financial solutions that enrich their lives. We believe that banking should be easy and approachable. That's why we offer a range of services tailored to meet individual needs from personal banking options like checking and savings accounts to auto loans and mortgages. Additionally, we provide essential online and mobile banking services so that our members can manage their finances anytime, anywhere. While members can visit us at 1447 Main St, official correspondence should be sent to 1447 Main Street, Chipley, FL 32428 if different from the branch address. Our operating hours are designed for your convenience: Monday through Thursday from 8:00 AM to 4:30 PM and Fridays from 8:00 AM to 5:00 PM. We also offer ATM access and drive-thru banking for easy transactions. As we look ahead, Community South remains committed to inclusivity and accessibility. We continually strive to ensure that all members feel welcomed and supported in their banking experience. Whether you're looking for a loan or simply need assistance managing your finances, you will find a friendly face ready to help you. We invite you to join the Community South family today! Experience firsthand how we can help you achieve your financial goals while contributing positively to our vibrant Chipley community. For more information about membership or to open an account, please visit our website or call us at 850-638-8376. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Community South, your trusted financial partner located conveniently at 1447 Main St, Chipley, FL 32428. Our branch is easy to find and situated near local landmarks, making it a convenient stop for all your banking needs. Whether you're coming from nearby schools or local businesses, you'll find us just a short drive away. At Community South, we pride ourselves on making banking accessible for everyone. Our location offers ample parking and features that comply with ADA standards, ensuring that all members of our community can visit us with ease. Plus, we have a drive-thru service available for those who prefer to handle transactions from the comfort of their vehicle. If you need assistance or have questions about our services, feel free to give us a call at 850-638-8376. Our friendly staff is ready to help you during our operating hours: Monday through Thursday from 8:00 AM to 4:30 PM and Friday from 8:00 AM to 5:00 PM. Community South also provides an ATM on-site for quick cash withdrawals and balance checks whenever you need them. While members can visit us at our branch address for in-person service, any official correspondence should be directed to the same address: 1447 Main Street, Chipley, FL 32428. We invite you to experience the convenience and personal touch of Community South. Stop by today or reach out with any questions we look forward to serving you!

Member Eligibility

At Community South, we believe that everyone deserves a supportive financial partner. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Washington County or surrounding areas, you can join our community. This means anyone from students to professionals can take advantage of our services. Membership offers access to a variety of benefits, including competitive loan rates and personalized banking solutions designed just for you. To learn more about the eligibility criteria and see if you qualify, check out our detailed resource at this link. Ready to open an account? The process is easy! You can start your journey with us by visiting our online account opening page at this link, or feel free to give us a call at (850) 638-8376 if you have any questions. We are here to help you every step of the way at our branch located at 1447 Main St Chipley Fl 32428. Join us and experience the difference that comes with being part of the Community South family!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're a retail shop on Main Street or a growing online store, our solutions make transactions smooth and efficient. This means you can focus on what you do best serving your customers and growing your brand. Visit us at 1447 Main St Chipley Fl 32428 in Chipley, FL, or call us at (850) 638-8376 to explore how we can partner with you on your journey to success!

Supporting Your 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? With our convenient ATM & Cash Withdrawal Services, accessing your funds is just a few taps away. Our ATMs are strategically located for easy access whenever you need it.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easy for you to hit the road in style without breaking the bank. We provide competitive rates and flexible terms to fit your budget, allowing you to drive away with confidence.

Business Banking Solutions

If you're a business owner, our Business Banking solutions cater specifically to your needs. From Merchant Services that help streamline transactions to various types of Business Loans, we aim to support local businesses in their growth journey.

Credit Cards with Rewards

Earn rewards while you spend with our Credit Cards with Rewards program. These cards not only provide the purchasing power you need but also offer benefits like cash back on everyday purchases, making them a valuable addition to your wallet.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. Whether you're checking your balance or making a transfer on the go, our digital banking tools are designed for ease of use.

Drive-Thru Banking

For members who prefer face-to-face interactions but want the convenience of staying in their car, we provide basic Drive-Thru Banking services for deposits, withdrawals, and simple transactions. It's all about making banking easier for you! At Community South in Chipley, we strive to be more than just a credit union; we want to be your trusted partner in achieving financial wellness. Explore all these services and more by visiting us at our branch or checking out our website here. Don't hesitate reach out today and discover how we can support you on your financial journey!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to simplify the process. We guide you through each step, helping you find the best financing solutions that align with your financial goals.

Personal Banking

Whether you're starting your first savings account or managing multiple accounts, our Personal Banking services offer flexibility and convenience. From checking and savings accounts to options that help with budgeting and saving for future goals, we ensure that your banking experience is smooth and tailored to your lifestyle.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes unexpected expenses arise. Our Personal Loans & Debt Consolidation services offer quick access to funds when you need them most. Whether it's for home repairs or consolidating debt into a single monthly payment, we're here to help ease your financial burden.

Digital & Online Banking

Accessibility and Ease-of-Use

Banking should be hassle-free. That's why we've designed our services to be user-friendly and accessible for everyone. From setting up alerts for account activity to accessing real-time information about your balances, managing your money has never been easier. Join us today at Community South and experience the future of banking with our digital services. Visit us at https://www.communitysouth.net/ to learn more about how we can help simplify your financial life!

Key Features

Imagine being able to handle your banking needs right from your smartphone or computer! Our mobile application allows you to do just that. You can manage your accounts on the go, pay bills, and even make person-to-person transfers with ease. Need to send money to a friend? Our person-to-person transfer feature makes it as simple as sending a text. Security is a top priority for us. We use electronic signature authorization to ensure that all your transactions are safe and secure. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. If you're looking for an easy way to make purchases, our mobile payments feature lets you pay directly from your phone at thousands of retailers. It's fast and convenient perfect for busy lifestyles.

Financial Strength

Community Trust

Total Share Accounts: 29,920, show a strong and growing member base that trusts us with their finances. 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 1447 Main St Chipley Fl 32428 or call (850) 638-8376 to learn more about how we can help you achieve your financial goals!

Member Savings Secured

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.

Operational Efficiency

Our $1,017,728 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 55 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Future

With $23,673,711 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 $1,817 in used auto loans and $185,352,053 in total loans and leases.

Strong 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 $1,237 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 Information

Whether you're interested in personal loans or exploring eligibility for any of our products, we're here to help! You can reach us at 850-638-8376 or visit us at 1447 Main St Chipley Fl 32428. For more details on eligibility and loan applications, please check out our website at Community South. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Take the first step towards fulfilling your financial aspirations today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided over $33,378,569 in used vehicle loans and $18,018,747 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used vehicle, our competitive rates make it easier than ever to drive off with confidence.

Business Financing

If you're a business owner looking for capital to grow and expand your operations, our outstanding commercial loans totaling $3,944,959 are designed with you in mind. We understand the challenges that come with running a business and are committed to supporting local entrepreneurs with tailored financial solutions.

Credit Card Loans

For those needing quick access to funds or wanting to manage day-to-day expenses more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $6,600,550 in unsecured credit card loans available, our offerings can help you maintain control over your finances while enjoying the convenience of credit.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,132,232. If you're considering refinancing your current mortgage, we provide flexible options tailored to your situation. Our team is here to guide you through the process and ensure you find the best solution for your needs.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach ensures that users receive fair and transparent offers that reflect current market conditions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that help you find the best loan for your needs. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates how LendMesh has positively impacted many borrowers' experiences. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

COMMUNITY SOUTH CREDIT UNION