Midsouth Community Credit Union Macon GA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Midsouth Community, your trusted partner for financial services in Macon, GA! Since our establishment in 1936, we've been dedicated to fostering community growth and providing personalized banking solutions. With a robust membership of 42,795 and total assets amounting to an impressive $462,944,517, we are proud to serve our members with integrity and commitment. Located at 4810 Mercer University Dr, Macon, GA 31210, our branch is here to meet your banking needs. For any official correspondence, please feel free to send it to our mailing address: 4810 Mercer University Dr, Macon, GA 31210-5675. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, our friendly team is ready to help you navigate your financial journey. Under the leadership of CEO Roy Bibb and Board President Cecil Ethridge, we strive to maintain a strong community impact while ensuring financial stability. Our net worth stands at $60,839,393, showcasing our reliability as a financial institution. We also boast a cash reserve of $6,936,912 for your peace of mind. At Midsouth Community, we believe that every member matters. That's why we offer a variety of services tailored just for you, including online banking and personal loans. With over 112 employees dedicated to serving you better, we're here when you need us most. Feel free to reach out at 478-471-9946 or visit our website at Midsouth Community. We invite you to stop by or give us a call today let's work together towards achieving your financial goals!

Branch History & Mission

At Midsouth Community, we take pride in our rich legacy and commitment to serving the Macon community since our establishment in 1936. With a strong foundation built on trust and dedication, we have grown from humble beginnings into a thriving credit union that now boasts over 42,000 members and total assets exceeding $462 million. Located at 4810 Mercer University Dr, Macon, GA 31210, our branch has become a vital part of the local landscape. Our mission is simple yet profound: to provide exceptional financial services while fostering a sense of community among our members. We believe in empowering individuals and families through accessible banking solutions that help them achieve their financial goals. From personal banking services like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we strive to offer products that cater to the diverse needs of our members. As we evolved over the years, we've embraced advancements that enhance your banking experience. Our digital platforms allow you to manage your finances conveniently from anywhere. Whether you're accessing online banking or making mobile payments, we prioritize your comfort and security. Plus, with ADA compliance and customer-centric initiatives in place, we ensure that everyone can benefit from our services. Beyond banking, Midsouth Community is deeply committed to giving back to our local community. We actively engage in partnerships and outreach programs aimed at supporting those in need. Whether it's through educational workshops or community events, we aim to make a positive impact in Macon. We invite you to visit us during our operating hours Monday through Friday from 9:00 am to 5:15 pm and Saturday from 9:00 am to 1:00 pm to learn more about how we can serve you. While members can visit us at 4810 Mercer University Dr, official correspondence should be sent to 4810 Mercer University Dr, Macon, GA 31210-5675. Join Midsouth Community today and experience firsthand the benefits of being part of a credit union that truly cares about its members and the community it serves. For more information or assistance, feel free to reach us at 478-471-9946. Together, let's build a stronger financial future!

Branch Location & Accessibility

Easy Access and Amenities

At Midsouth Community, we prioritize your convenience. Our location offers ample parking and features that ensure accessibility for everyone, including ADA-compliant ramps. Whether you prefer to walk in or use our drive-thru service for quick transactions, we've got you covered. We also have an ATM available for those who prefer cash withdrawals on the go.

Operating Hours That Fit Your Schedule

We know life can be busy, so we've designed our operating hours to accommodate your needs. You can visit us Monday through Friday from 9:00 AM to 5:15 PM, and on Saturdays from 9:00 AM to 1:00 PM. Whether you need assistance with personal banking, auto loans, or business services, our friendly staff is here during those hours to help you.

Shared Services for Added Convenience

In addition to our range of banking services like checking and savings accounts, mortgage options, and credit cards we offer shared service center access. This means that members from partner credit unions can also enjoy basic transactions like deposits and withdrawals here at our branch. While you can always visit us at 4810 Mercer University Dr for all your banking needs, please remember that any official correspondence should be sent to the same address as our mailing address: 4810 Mercer University Dr, Macon, GA 31210-5675. We invite you to come in and explore all that Midsouth Community has to offer. If you have any questions or need assistance, don't hesitate to give us a call at 478-471-9946. We look forward to serving you!

Member Eligibility

At Midsouth Community, we believe that becoming a member is like joining a close-knit family that truly cares about your financial well-being. Membership is open to anyone who lives, works, worships, or attends school in our community. It's our way of ensuring that everyone can access the financial resources and support they need. If you're looking for a place where you can grow and thrive, you've found it! You can easily check the detailed eligibility criteria by visiting this link. Opening an account with us is straightforward and welcoming. Simply head over to our account opening page at this URL to get started. If you have any questions or need assistance along the way, feel free to give us a call at (478) 471-9946. We're here for you!

Business Banking & Commercial Services

Member and Non-Member 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

Imagine having a reliable partner that streamlines your payment processing, making it easier for customers to do business with you. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether you operate a retail shop or provide professional services, our tools help you manage payments efficiently. Visit us at 4810 Mercer University Dr Macon Ga 31210 in Macon, GA, or call us at (478) 471-9946 to learn how we can support your business goals today!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our comprehensive Business Banking services. From Merchant Services that streamline transactions to Business Loans that fuel growth, we support local businesses in achieving their ambitions.

Convenience at Your Fingertips

To ensure banking is hassle-free, we offer robust Online & Mobile Banking platforms that allow you to manage your accounts anytime, anywhere. With features like person-to-person payments and electronic statements, staying on top of your finances has never been easier. Need cash? Our ATM & Cash Withdrawal Services are available at numerous locations, so you can access your money when you need it. We also provide basic drive-thru banking for quick transactions such as deposits and withdrawals, making it simple and efficient for members on the go.

Personal Banking

When it comes to personal banking, we offer flexible Checking & Savings Accounts tailored for various goals, whether you're saving for a vacation or managing everyday expenses. Our accounts come with easy online and mobile banking features so you can check balances, transfer funds, or pay bills from the comfort of your home or on the go. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it easier than ever. Imagine driving off in your dream car without the stress of complicated financing! We also provide Mortgage Loans & Refinancing to help you achieve homeownership or lower your current mortgage payments. For those unexpected expenses or financial goals, our Personal Loans & Debt Consolidation services allow you to take charge of your finances. Plus, our Credit Cards with Rewards offer great perks for everyday spending think cashback on groceries or travel rewards that bring you closer to your next adventure.

Shared Services

Additionally, if you're a member of a partner credit union, take advantage of our Basic Shared Branch Transactions, allowing you to make deposits and withdrawals without missing a beat. At Midsouth Community, we're here to simplify your banking experience while ensuring you have access to all the tools necessary for financial success. If you're ready to explore all that we have to offer or if you have any questions about our services, don't hesitate to reach out at (478) 471-9946 or visit us online at Mercer Office. Your financial journey starts here!

Digital & Online Banking

At Midsouth Community, we understand that your time is valuable. That's why our digital and online banking services are designed to be as convenient and secure as possible, allowing you to manage your finances anytime and anywhere. You can explore our online banking options at https://www.midsouthfcu.org/. With 24/7 access to your accounts, you can check balances, transfer money, and pay bills without stepping foot outside. Plus, our mobile application brings all these features right to your fingertips. Whether you're at home or on the go, you'll have real-time access to your account information. One of the standout features is our person-to-person transfer service, which makes sending money to friends or family simple and quick. Just a few taps on your phone or clicks from your computer can settle a dinner bill or share expenses effortlessly. For added convenience, we offer e-statements, allowing you to receive your account statements electronically. Not only does this mean less paper clutter in your mailbox, but it also helps you keep track of your finances more efficiently. Our electronic signature authorization makes signing documents a breeze no need for printing or mailing anything! Safety is paramount in everything we do. All transactions made through our online banking platform are protected with top-notch security measures, giving you peace of mind while managing your money. And if you prefer mobile payments, Midsouth Community has got you covered there too! You can easily make purchases using your smartphone, making shopping more straightforward than ever. In summary, whether you're accessing our services through a computer or the mobile app, managing your finances with Midsouth Community is not only easy but also secure. Join us today and take advantage of these modern banking conveniences!

Financial Strength

Growing Membership

Our growing member base is a testament to our reliability. With 78,763 total share accounts, more people are choosing Midsouth Community as their trusted financial partner. Our net shares available for lending stand at $1,214,593, ensuring that we have ample resources to support your needs. In conclusion, 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 4810 Mercer University Dr Macon Ga 31210 or call (478) 471-9946 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings Options

We believe in securing your savings. Members' savings are protected 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 operations reflect our commitment to serving you effectively. With a net income of $0, we demonstrate operational efficiency that enables 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 who are always ready to assist you with knowledgeable service.

Reinvestment for Better Services

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. This commitment supports our lending capacity with $7,094 in used auto loans and $316,732,416 in total loans and leases to help you achieve your financial goals.

Solid 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.

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 offer flexible terms and options for refinancing, ensuring that you find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $11,568,094 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are committed to helping you succeed through tailored financing solutions.

Conclusion

At Midsouth Community, we prioritize our members' financial well-being. Our loan offerings are crafted to suit various needs and budgets, making it easier than ever to reach your financial goals. For more information or to discuss eligibility options, don't hesitate to contact us at (478) 471-9946 or visit our website at https://www.midsouthfcu.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 us partner with you on your financial journey!

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. These cards come with benefits designed to give you peace of mind while providing easy access to funds when needed.

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. Whether you are a first-time homebuyer or looking to refinance your current mortgage, our competitive rates can help you achieve your dreams of homeownership.

Loan Aggregator

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