Midsouth Community Credit Union Macon GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Midsouth Community, your trusted financial partner located at 2306 Lasseter Pl, Macon, GA 31204. Since our establishment in 1936, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a strong commitment to our members, we proudly support over 42,795 individuals in achieving their financial goals. At Midsouth Community, we understand that every member's journey is unique. That's why we offer a wide range of services, including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. Our total assets stand at an impressive $462,944,517, reflecting our solid foundation and dedication to helping you thrive financially. Our leadership team is led by CEO Roy Bibb and Board President Cecil Ethridge, who are deeply committed to ensuring that you receive the best possible service. We have a team of 112 employees ready to assist you during our operating hours from Monday to Friday, 9:00 AM - 5:15 PM. While members can visit us at our branch location, official correspondence should be sent to the same address for your convenience. At Midsouth Community, we're proud of our community impact and strive to build lasting relationships with each member. With total deposits reaching $30,500,733 and a net worth of $60,839,393, you can trust that your finances are in safe hands. Ready to take the next step? Visit us today or give us a call at 478-752-0198. Explore how Midsouth Community can help empower your financial future! For more information about our services and offerings, please check out our website at midsouthfcu.org.

Branch History & Mission

Call to Action

As we look toward the future, Midsouth Community remains dedicated to enhancing the member experience while upholding our core values. We invite you to join us on this journey! Visit us at 2306 Lasseter Pl or contact us at 478-752-0198 to learn how you can become part of a credit union that truly cares about its members and the community. Experience the difference with Midsouth Community today!

Commitment to Innovation

In today's fast-paced world, Midsouth Community is committed to staying ahead with digital advancements. Our online and mobile banking platforms ensure that members can manage their finances conveniently from anywhere. Additionally, with features like electronic signatures and mobile payments, we make banking easier without compromising security.

Our Mission

At Midsouth Community, our mission is clear: we aim to provide exceptional financial services while making a positive impact in the lives of those we serve. We believe that everyone deserves access to fair and affordable banking options. Whether it's through personal banking solutions such as checking and savings accounts, auto loans, or mortgage refinancing, we strive to empower our members on their financial journeys. We also recognize the importance of community support. That's why we actively engage in outreach efforts and partnerships that enhance the well-being of our neighbors in Macon and beyond. We take pride in being more than just a credit union; we are a vital part of this community's fabric.

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and easy access points for all our visitors. Plus, we have ample parking available right outside, making your visit as smooth as possible.

Join Us Today!

We invite you to visit us at Midsouth Community branch where friendly faces are ready to assist you with all your financial needs. Stop by today or give us a call we're here for you!

Operating Hours and Services

Our friendly team is here to assist you Monday through Friday from 9:00 AM to 5:15 PM. Whether you need help with personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, we're ready to support you every step of the way. For quick transactions, enjoy the convenience of our drive-thru banking service for deposits and withdrawals without leaving your vehicle. Although we currently do not offer ATM services at this location, our personal banking options are tailored to meet your needs. If you have any questions or require assistance, feel free to give us a call at 478-752-0198.

Member Eligibility

Welcome to the Midsouth Community, where becoming a member is like joining a caring family that supports your financial journey! If you live, work, or worship in Bibb County, you're already on the path to membership. We believe in making banking accessible to everyone, so even if you're not currently part of our community, we encourage you to reach out and explore your options. Joining us means you'll have access to personalized service and a variety of financial products designed just for you. For more specific details about eligibility requirements, feel free to check out our website at . Ready to take the next step? Opening an account with us is straightforward and welcoming. Just visit https://onlinebanking.midsouthfcu.org/registration to get started online, or give us a call at (478) 752-0198 if you have any questions. Our friendly staff at 2306 Laseter Pl, Macon, GA 31204 is here to assist you from Monday to Friday between 9:00 AM and 5:15 PM. We can't wait for you to become a valued member of our Midsouth Community!

Business Banking & Commercial Services

Commercial 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 addition to loans, we offer merchant services that can enhance your cash flow. Picture this: a customer walks into your store ready to make a purchase. With our fast and efficient payment processing solutions, they can pay using their preferred method, ensuring you get paid quickly while providing excellent service. Located at 2306 Laseter Pl Macon Ga 31204 in Macon, GA, we invite you to explore how Midsouth Community can be your trusted partner in navigating the financial landscape of your business. Call us at (478) 752-0198 or visit us today!

Comprehensive List Of Services

Business Solutions

For our business members, we offer tailored Business Banking services that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth.

Convenient Banking Features

At Lasseter Office, convenience is key. With Online & Mobile Banking, you can conduct transactions from the comfort of your home or on the go. Our basic drive-thru banking service makes it easy for you to complete simple transactions like deposits and withdrawals without leaving your car. With ATM access currently unavailable at our branch, we're committed to ensuring that all other services remain easily accessible during operating hours from Monday to Friday, 9:00 AM - 5:15 PM. If you're ready to explore how Midsouth Community can help you achieve your financial goals, give us a call at (478) 752-0198 or visit us today! We look forward to assisting you with all your banking needs right here in Macon!

Financing Your Dreams

If you're considering purchasing a new vehicle or refinancing your current one, our Auto Loans & Vehicle Financing services can help turn those dreams into reality. We provide competitive rates and flexible terms to suit your budget. Similarly, for those looking to buy a home, our Mortgage Loans & Refinancing options are designed to guide you through the process smoothly. For personal projects or unexpected expenses, consider our Personal Loans & Debt Consolidation offerings. They can provide the financial boost you need while simplifying your monthly payments into one manageable sum.

Personal Banking Made Easy

We offer Personal Banking solutions that include checking and savings accounts designed for everyday needs. Whether you're saving for a special occasion or managing daily expenses, our accounts come with features to help you stay on track. Imagine having easy access to your funds with online banking and mobile applications, allowing you to manage your money anytime, anywhere.

Rewarding Credit Card Options

Our Credit Cards with Rewards program allows you to earn points on every purchase, making it easier for you to enjoy life's little luxuries while being financially savvy.

Digital & Online Banking

Key Features

Enjoy the ease of electronic signature authorization, making it quicker and safer to sign documents without the hassle of printing or faxing. Plus, with e-statements available, you can access your account statements digitally no more waiting for paper statements to arrive in the mail. Our mobile application further enhances your banking experience. It allows for mobile payments, so you can quickly pay for purchases right from your phone. Need to send money to a friend? With our person-to-person transfer feature, it's as easy as sending a text message! Security is always a priority at Midsouth Community. We implement robust measures to keep your information safe while you bank online or via our app. You can rest assured knowing that your transactions are protected. In today's fast-paced world, staying on top of your finances is essential. With our digital banking tools, managing your accounts has never been easier or more secure. Join us at Midsouth Community and experience banking designed around your needs!

Financial Strength

Commitment to Growth

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 commitment is reflected in our lending capacity; we have $7,094 in used auto loans and $316,732,416 in total loans and leases to support your financial goals across various sectors.

Member Savings

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.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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, committed team.

Our Financial Health

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 $1,313 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusting Relationships

Total Share Accounts stand at 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 2306 Laseter Pl Macon Ga 31204 or call (478) 752-0198 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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. Whether you're purchasing a brand-new model or a reliable used car, we have flexible financing options that make it easier for you to drive away happy.

Business Loans

For business owners, our outstanding commercial loans totaling $11,568,094 provide the capital needed to grow and expand. Whether it's for equipment purchases or operational costs, we're here to help you take your business to the next level. At Midsouth Community located at 2306 Laseter Pl Macon GA 31204, we prioritize your financial well-being. If you're interested in learning more about any of our loan products or would like assistance with your application process, don't hesitate to reach out at 478-752-0198. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Midsouth Community can help you achieve your financial goals today!

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. We offer competitive rates and terms tailored to fit your budget. If you're considering refinancing your current mortgage or are unsure about eligibility requirements, our team is ready to assist you every step of the way.

Unsecured Credit Card 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. Our credit cards come with rewards programs that can benefit you while allowing you to build your credit history.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of LendMesh in facilitating better financial choices. 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.*

How LendMesh Ensures 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 ensures that all offers are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate and trustworthy loan options.

MIDSOUTH COMMUNITY FEDERAL CREDIT UNION