Midsouth Community Credit Union Kathleen GA | Best Auto Loans & Business Banking

Introduction

Welcome to Midsouth Community, your trusted financial partner located at 1101 Hwy 96, Kathleen, GA 31047. Established in 1936, we have proudly served our community for over eight decades, building lasting relationships with our 42,795 members. Our commitment to providing exceptional service is reflected in our impressive financial standing, with total assets of $462,944,517 and total deposits amounting to $30,500,733. At Midsouth Community, we understand that each member has unique financial needs. That's why we offer a wide range of services, from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. With a total of 18,089 loans and leases extended to our members, we're here to help you reach your financial goals. Led by CEO Roy Bibb and Board President Cecil Ethridge, our dedicated team of 112 employees works tirelessly to ensure that you receive the best possible experience. We're not just about numbers; we're about people. Your success is our priority. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 1101 HWY 96, Kathleen, GA 31047. Whether you need assistance or have questions about our services, feel free to reach out at (478) 471-9946. Join us today and discover how Midsouth Community can support your financial journey! Explore more about us at www.midsouthfcu.org.

Branch History & Mission

At Midsouth Community, we take pride in our rich history and commitment to serving our members. Established in 1936, our branch has been a cornerstone of the Kathleen, GA community for decades. Located at 1101 Hwy 96, we are easily accessible for all your banking needs. Our mission is simple yet profound: to empower our members through exceptional financial services while fostering community support. Over the years, Midsouth Community has grown significantly, currently boasting a membership of 42,795 individuals. Our total assets have reached an impressive $462,944,517, reflecting our dedication to sound financial practices and the trust placed in us by our members. From our humble beginnings, we've evolved into a robust institution that offers a wide range of services including personal banking, auto loans, mortgage options, and business banking. Our commitment extends beyond just financial services; we aim to make a positive impact in the community. We actively engage in outreach initiatives and partnerships that enhance the lives of those around us. Whether it's through educational programs or local sponsorships, we strive to uplift our neighbors and create lasting connections. While members can visit us at 1101 Hwy 96, official correspondence should be sent to the same address for convenience. We understand that accessibility is key, which is why we offer ATM availability and drive-thru banking for quick transactions. Our operating hours are designed to accommodate your schedule: Monday through Friday from 9 AM to 5:15 PM and Saturdays from 9 AM to 12 PM. At Midsouth Community, we believe in harnessing technology to improve member experiences. Our services include online banking, mobile payments, and e-statements all aimed at making your banking experience as smooth as possible. We invite you to join our community of satisfied members who enjoy the benefits of being part of Midsouth Community. Experience personalized service and a supportive atmosphere where your financial goals are prioritized. Together, let's build a brighter future! For more information or to open an account today, visit us online at Midsouth Community or call us at 478-471-9946.

Branch Location & Accessibility

Welcome to Midsouth Community, your friendly neighborhood credit union located at 1101 Hwy 96 in Kathleen, Georgia. We're easy to find and conveniently situated near popular landmarks, making your visit smooth and straightforward. Whether you're heading to us from the bustling heart of Kathleen or passing through Houston County, our branch is just a quick drive away. At Midsouth Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots, ensuring that everyone can enjoy our services comfortably. Plus, with an ATM on-site and drive-thru banking available, accessing your funds has never been easier. We know your time is valuable! That's why our lobby is open Monday through Friday from 9 AM to 5:15 PM, with Saturday hours from 9 AM to 12 PM for those who need a little extra flexibility in their banking schedule. If you have questions or need assistance, don't hesitate to give us a call at 478-471-9946. While you can always visit us at our branch address for all your banking needs, please send any official correspondence to the same address: 1101 HWY 96, Kathleen, GA 31047. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, we're here to help you every step of the way. Come by today and see how Midsouth Community can support your financial journey!

Member Eligibility

Joining the Midsouth Community feels like stepping into a warm, welcoming family where your financial well-being is the priority. To become a member of our vibrant community at 1101 Hwy 96 in Kathleen, GA, you just need to meet a few simple eligibility criteria. Whether you live, work, worship, or attend school in Houston County, you're likely eligible to join us! We believe that everyone deserves access to quality financial services and support, which is why we're excited to open our doors to you. Plus, being part of Midsouth Community means enjoying great benefits like competitive rates on loans and savings accounts, personalized service, and community-focused programs. If you're ready to take the next step and open an account with us, it's easy! You can find all the details on how to get started by visiting our account opening page at https://onlinebanking.midsouthfcu.org/registration. For any questions or additional information about membership requirements, feel free to give us a call at 478-471-9946. And don't forget to check out our detailed eligibility criteria online for the most up-to-date information. We can't wait to welcome you to Midsouth Community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $113 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 $11,568,094, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, efficient payment processing is essential. Our merchant services allow businesses to accept payments easily and securely whether it's in-store or online. Imagine serving your customers without any hitches while keeping track of transactions effortlessly. That's what we aim to provide at Midsouth Community, located at 1101 Hwy 96 Kathleen Ga 31047 in Kathleen, GA. Explore how our business banking solutions can empower your growth today! For more information, reach out at (478) 471-9946 or visit us online at https://www.midsouthfcu.org/.

Comprehensive List Of Services

ATM Access and Drive-Thru Services

We also provide ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. If you're short on time or just prefer the ease of using an ATM, rest assured that access is readily available.

Auto Loans & Vehicle Financing

Thinking about buying a new car? With our Auto Loans & Vehicle Financing, we can help you get behind the wheel without breaking the bank. We provide competitive rates and flexible terms, making it easier for you to drive home in the vehicle you desire.

Business Banking Services

For our business members, we offer tailored solutions through our Business Banking services. This includes essential tools like Merchant Services and Business Loans, designed to help your business thrive in today's competitive landscape.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features let you manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and even pay bills all from the palm of your hand.

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive Mortgage Loans & Refinancing options. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process, ensuring you find the right solution for your financial situation.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save for a big purchase, we offer various Personal Banking services that make managing your money straightforward. Our Checking & Savings Accounts come with features designed to help you track your spending and grow your savings effortlessly.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services offer quick access to funds when you need them most. We understand that life can throw curveballs, and we're here to provide support when it matters.

Rewarding Credit Cards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases. It's a great way to turn your spending into rewards that benefit you in the long run.

Shared Branch Transactions

As part of our commitment to serving our members better, we facilitate basic shared branch transactions for partner credit union members. This means that if you're traveling or away from home, accessing your funds remains simple and hassle-free. At Midsouth Community, located at 1101 Hwy 96 Kathleen GA 31047, we're proud to serve our community by offering these diverse financial products and services. For more information or assistance, please give us a call at 478-471-9946. Explore all we have to offer today! Visit us online at Midsouth Community or stop by during our operating hours: Monday through Friday from 9 AM to 5:15 PM and Saturday from 9 AM to 12 PM. Let us help you achieve your financial goals!

Digital & Online Banking

Key Features

Our commitment to security means you can bank confidently. We offer electronic signature authorization, allowing you to sign documents digitally while keeping your personal information safe. You can also choose e-statements for a paperless way to keep track of your account activity it's both eco-friendly and convenient. If you're looking to send money quickly, our person-to-person transfer feature makes it simple to send funds directly to friends or family without any hassle. Need to make purchases? Our mobile payments feature allows you to pay using your phone, so you can leave your wallet at home. At Midsouth Community, we believe that managing your money should be straightforward and accessible. Our user-friendly tools give you real-time account management right from your device. So whether you're at home or out and about, you can take control of your finances with ease. Explore all that digital banking has to offer at https://www.midsouthfcu.org/ today!

Financial Strength

At Midsouth Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength showcases our commitment to providing reliable services and innovative solutions for our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $60,839,393, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.13% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $120,283,340 in share certificates and $58,938,829 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $60,461,028 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 members' financial goals across various sectors with $7,094 in used auto loans and a total of $316,732,416 in loans and leases. While our recent net income is $0, it reflects our operational efficiency during this period. We also take pride in having 104 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $1,214,593. Total Share Accounts: 78,763, showing 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, Midsouth Community is your trusted partner. Visit us at 1101 Hwy 96 Kathleen Ga 31047 or call 478-471-9946 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $167,946,366 in used vehicle loans and $54,333,399 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $11,568,094 provide the capital needed to grow and expand your operations. We recognize that businesses are vital for our community's growth and prosperity. In addition to these products, we also offer credit lines totaling $135,947,000, providing flexibility and access to funds when you need them most. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in any of these loan products or want to learn about refinancing options available for your current loans, don't hesitate to reach out. You can contact us at (478) 471-9946 or visit us at 1101 Hwy 96 Kathleen Ga 31047, located in beautiful Kathleen, GA. We're here to help you navigate your financial journey!

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,198,649 in loans helping members manage their finances effectively. This option can be an excellent way to handle unexpected expenses or consolidate debt while enjoying valuable rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,994,690, make buying or refinancing simple. Our experienced team is here to guide you through every step of the process so that you can feel confident in your decision.

Loan Aggregator

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How LendMesh Ensures Accurate 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 ensures fair and transparent offers for all users. Each lender's rates are updated regularly to reflect current market conditions, making sure you receive the most accurate information available.

MIDSOUTH COMMUNITY FEDERAL CREDIT UNION - Kathleen, GA

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