Ferguson Credit Union Monticello MS | Convenient ATM Services

Introduction

Welcome to Ferguson! Since our establishment in 1968, we have proudly served the Monticello community and beyond, becoming a trusted partner for over 10,318 members. Nestled at 1026 E Broad St, Monticello, MS 39654, our branch is more than just a financial institution; it's a cornerstone of support and growth for individuals and families alike. At Ferguson, we understand that banking should be personal. That's why we're committed to providing exceptional service tailored to your unique needs. With total assets reaching an impressive $91,574,750 and total deposits of $4,891,129, we maintain a solid financial foundation that ensures your money is safe and secure. Our leadership team, led by CEO Vernon Clevenger and Board President Lynell James, works tirelessly to create an environment where our members can thrive financially. We offer a variety of services designed to empower our members, including loans that exceed 3,511 in total count. Whether you're looking for auto loans or personal financing solutions, we've got you covered with competitive rates and personalized advice. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 1026 E Broad St, Monticello, MS 39654. If you have questions or need assistance, don't hesitate to reach out via phone at (601) 806-3328. Join us at Ferguson Credit Union today where your financial success is our priority! Explore more about us on our website here. We look forward to serving you!

Branch History & Mission

Community Commitment

Ferguson isn't just about numbers; it's about people. Through various partnerships and outreach initiatives, we actively engage with local organizations to uplift our community. Whether it's sponsoring local events or supporting educational programs, we are here to invest in Monticello's future. As part of our ongoing effort to enhance accessibility and service quality, we ensure that all facilities comply with ADA standards. Although currently there are no ATMs or drive-thru services available at this location, we remain committed to exploring new ways to serve you better. We invite you to join us on this journey. Experience firsthand how Ferguson can help you achieve your financial goals while being part of a community-focused organization. If you're interested in becoming a member or learning more about what we offer, visit us online at fergusonfcu.org or give us a call at 601-806-3328 today!

Our Mission

Our mission at Ferguson is clear: to provide exceptional financial services while fostering a sense of community and belonging among our members. We believe that when our members thrive financially, so does the community as a whole. We are dedicated to offering services that meet your needs from loans and deposits to digital banking options so you can focus on what truly matters. We understand that technology plays an essential role in today's world. That's why we offer features like online banking and mobile payments to keep your finances at your fingertips. Our commitment extends beyond just providing services; we aim to create an environment where every member feels valued and supported.

Branch Location & Accessibility

Branch Features

At our location, you'll find ample parking that makes getting in and out a breeze. We also ensure that our branch is ADA compliant, featuring ramps and accessible entrances for all members. While we currently do not have ATM services or drive-thru banking available, our dedicated staff is always ready to assist you inside.

Get in Touch

If you're looking for reliable banking solutions with a personal touch, look no further! Call us at 601-806-3328 or stop by during business hours. We invite you to become part of the Ferguson family today! Visit our website at fergusonfcu.org for more information on membership and services. We can't wait to see you!

Operating Hours

We know how busy life can get, which is why we've made our operating hours accommodating for your schedule. You can visit us Monday through Friday from 9 AM to 4 PM. Whether you need to open an account, apply for a loan, or simply have questions about your finances, our team is eager to assist during these hours. For official correspondence, please remember that while you can visit us at 1026 E Broad St, any mail should be sent to the same address as well.

Member Eligibility

At Ferguson, we believe in creating a welcoming community where everyone can thrive. Becoming a member of our credit union is easy and open to those who live, work, worship, or attend school in Lawrence County. We're dedicated to serving our members with personalized financial services that cater to your needs. To explore the specific eligibility criteria and see if you qualify, please visit our detailed page at http://fergusonfcu.org/become-a-member . Once you're ready to join us, opening an account is a straightforward process! You can find all the necessary steps for setting up your membership online by visiting http://fergusonfcu.org/online-banking-enrollment . If you have any questions or need assistance, feel free to reach out to us at 601-806-3328. We look forward to welcoming you into the Ferguson family at 1026 E Broad St, Monticello, MS 39654!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In today's fast-paced world, having reliable merchant services can make all the difference. Imagine being able to accept payments seamlessly from your customers while managing your cash flow effortlessly. At Ferguson, we offer practical merchant services that allow you to focus on what you do best running your business. Visit us at 1026 E Broad St Monticello Ms 39654 in Monticello, MS or call us at (601) 806-3328 to learn more about how our business banking and commercial services can benefit you!

Unlocking Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $47 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,115,321, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Call to Action

Ready to experience the benefits of being part of Ferguson? Give us a call at (601) 806-3328 or visit us at 1026 E Broad St Monticello Ms 39654 during lobby hours from Monday to Friday, 9 AM to 4 PM. Join us today and discover how we can help you achieve your financial goals! For more information about membership eligibility, please visit here.

Community Focused

Our commitment extends beyond just offering financial products; we are here to support our community as well. Whether you're a first-time member or a long-standing one, we strive to provide personalized service that makes you feel valued. Our team is always ready to assist with any questions or concerns you may have about your accounts or available services.

Digital Banking Convenience

In today's fast-paced world, digital banking has become essential. At Ferguson Fcu Headquarters, we prioritize ease of access through our online and mobile banking options. Members can easily check balances, transfer funds, and pay bills from the comfort of their homes or on-the-go using our mobile application. With features like electronic signature authorization and e-statements, managing your finances has never been simpler.

Everyday Banking Needs

One of the primary services at Ferguson is our ATM Services. While we currently offer ATM services only, this feature ensures that our members can easily access their funds whenever they need them. Imagine being able to withdraw cash for groceries or pay for your morning coffee without any hassle. We understand that convenience matters, and our ATM services are designed with this in mind.

Digital & Online Banking

Key Services

Our online banking platform at https://fergusonfcu.org/ provides you with the tools to manage your money effectively. Whether you want to check your account balance, transfer funds, or pay bills, you can do it all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you're always in control. We also offer electronic signature authorization, so you can sign important documents quickly without any hassle. If you're looking to simplify your statements, you'll be pleased to know that e-statements are available, giving you a paperless way to keep track of your financial activities.

Mobile Features

For those who prefer banking on their mobile devices, our mobile application makes it easy to stay connected. You can make person-to-person transfers with just a few taps, enabling you to send money to friends and family instantly. Plus, with our mobile payments feature, paying for goods and services has never been simpler you can leave your wallet at home!

Security and Accessibility

Security is our top priority. We use advanced encryption technology to protect your personal information while ensuring that every transaction is safe. Our user-friendly interface means that even if you're not tech-savvy, navigating through your accounts will feel like second nature. In summary, Ferguson is committed to providing you with accessible and secure digital banking solutions tailored for today's busy lifestyle. Experience the ease of managing your finances by visiting us online at https://fergusonfcu.org/ today!

Financial Strength

Commitment to Growth

With $10,144,214 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with 1,012 used auto loans and a total of $59,405,108 in loans and leases.

Growing Member Trust

Total Share Accounts at 18,742 show a strong and growing member base that trusts us with their finances. This trust fuels our commitment to providing excellent service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ferguson is your trusted partner. Visit us at 1026 E Broad St Monticello MS 39654 or call 601-806-3328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $28,945,403 in share certificates and $8,798,830 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,852, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our current net income of -$522,014, which highlights areas where we're focusing on improving profitability for our members. We also take pride in having 49 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Foundation

With a net worth of $9,966,606, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.84% 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 $15,668,687 in used vehicle loans and $4,790,293 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, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $4,115,321 provide the capital needed to grow and expand your business operations. We recognize the importance of having access to funds for development and encourage entrepreneurs to explore these opportunities.

Credit Lines and Unsecured Loans

We also provide access to flexible terms on unsecured credit card loans. With a total of $832,164 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have support for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our commitment remains strong toward helping you find the right path to home financing.

Refinancing and Eligibility Options

If you're considering refinancing your current loan or want more information on eligibility for our services, don't hesitate to reach out. Our friendly staff is here to guide you through every step of the process. For more details about our loan offerings or to apply today, give us a call at 601-806-3328. We're available Monday through Friday from 9 AM to 4 PM. For additional information about membership eligibility and online banking enrollment, visit our website at fergusonfcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let Ferguson be your trusted partner in achieving your financial dreams!

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FERGUSON FEDERAL CREDIT UNION