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

Introduction

Welcome to Midsouth Community, your trusted partner in financial well-being, located at 375 Hammock Rd NW, Milledgeville, GA 31061. Established in 1936, we have been serving our community for over eight decades, providing a range of services tailored to meet the needs of our 42,795 members. Our commitment to fostering financial growth and security shines through our impressive assets totaling $462,944,517, and total deposits reaching $30,500,733. At Midsouth Community, we pride ourselves on being more than just a credit union; we're a part of your neighborhood. Our dedicated team, led by CEO Roy Bibb and Board President Cecil Ethridge, works tirelessly to ensure that our members receive personalized service and support. With a total of 112 employees, we are here to assist you whether you're looking for checking accounts, auto loans, or business banking services. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 375 Hammock Road, NW, Milledgeville, GA 31061. You can reach us at (478) 452-0430 during our operating hours from Monday to Friday, 9:00 AM to 5:15 PM and Saturday from 9:00 AM to 1:00 PM. Join us today and discover how Midsouth Community can help you achieve your financial goals. For more information about our services or to become a member, please visit our website at midsouthfcu.org. We look forward to welcoming you into our family!

Branch History & Mission

Welcome to the Milledgeville Office of Midsouth Community, a cornerstone of our local community since 1936. Established with a vision to empower individuals and families through accessible financial services, we have grown alongside our members, adapting to their needs while maintaining our commitment to exceptional service. Located at 375 Hammock Rd NW in Milledgeville, GA 31061, our branch has become a familiar and trusted place for many. Our rich history reflects not only the evolution of our credit union but also the resilience and spirit of the community we serve. Over the decades, we have expanded our offerings and now proudly support over 42,795 members with total assets exceeding $462 million. Midsouth Community is more than just a financial institution; we are dedicated to making a positive impact in our community. Our mission is simple yet profound: to provide high-quality financial services while fostering a supportive environment for growth and development. We believe that when our members thrive, so does the entire community. At Midsouth Community, we offer a range of services tailored to meet the diverse needs of our members from checking and savings accounts to auto loans, mortgages, personal loans, and business banking solutions. We understand that each member's journey is unique, which is why we take the time to listen and provide personalized guidance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 375 Hammock Road, NW, Milledgeville, GA 31061. Our operating hours are Monday through Friday from 9:00 am to 5:15 pm and Saturday from 9:00 am to 1:00 pm, making it convenient for you to reach us when it suits you best. In today's fast-paced world, we embrace technology to enhance your banking experience. With online banking options available along with mobile payments and e-statements, accessing your finances has never been easier. Our commitment extends beyond just transactions; we aim for an inclusive approach by ensuring ADA compliance and offering drive-thru services for added convenience. Our community outreach efforts are an essential part of who we are. We collaborate with local organizations and participate in initiatives that uplift those around us. Together with our partners, we strive to make Milledgeville a better place for everyone. Join us at Midsouth Community today! Experience firsthand how we can help you achieve your financial goals while being part of a caring community focused on support and empowerment. Call us at 478-452-0430 or visit us online at Midsouth Community for more information or to open an account. Your journey toward financial wellness starts here!

Branch Location & Accessibility

Banking Services

At Midsouth Community, we offer a variety of banking services designed to meet your needs from checking and savings accounts to auto loans and personal financing options. If you're in need of cash, we have an ATM available for quick withdrawals or balance inquiries. For those who prefer the convenience of drive-thru banking, we provide essential services such as deposits and withdrawals without leaving your vehicle. While you can reach us at our physical location for all your banking needs, please note that any official correspondence should be directed to our mailing address at 375 Hammock Road NW, Milledgeville, GA 31061 if it's different from the branch address. We invite you to come by or give us a call at 478-452-0430 if you have any questions or need assistance. Our friendly staff is always here to help you navigate your financial journey with ease. We look forward to welcoming you at Midsouth Community!

Convenient Features

Parking is available right outside our doors, making it simple for you to stop by anytime. Our facility is designed with accessibility in mind, including ADA-compliant features such as ramps and spacious pathways. We strive to ensure that every member feels welcome and can easily access our services. When you visit us, you'll find that our operating hours are tailored to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 5:15 PM, and on Saturdays from 9:00 AM to 1:00 PM for drive-thru banking. This allows you to manage your finances at a time that works best for you.

Member Eligibility

At Midsouth Community, we believe that everyone deserves a supportive financial community to call home. Becoming a member is simple and welcoming! If you're a resident of Baldwin County or work in the area, you're likely eligible to join us. We embrace individuals from all walks of life, making it easy for you to access our range of services tailored just for you. Not only will you enjoy competitive rates on loans and savings accounts, but you'll also be part of a community that genuinely cares about your financial well-being. If you're ready to take the next step towards membership at Midsouth Community, we encourage you to visit our eligibility page for detailed informati. Once you've confirmed your eligibility, opening an account is a breeze! Just head over to our online registration portal at https://onlinebanking.midsouthfcu.org/registration, or give us a call at (478) 452-0430 if you have any questions. We can't wait to welcome you into our family at 375 Hammock Rd Nw, Milledgeville, GA 31061!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that make transactions easier for your business. Imagine being able to accept payments quickly and securely, whether online or in-store. Our solutions help you streamline operations so you can focus on what matters most growing your business. Located at 375 Hammock Rd Nw Milledgeville Ga 31061 in Milledgeville, GA, we're here to support you every step of the way. Call us at (478) 452-0430 or visit our website here to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? With our ATM services available at numerous locations, accessing your money has never been easier. You can also utilize our drive-thru service for deposits and withdrawals during business hours. At Midsouth Community, we believe in providing comprehensive financial services that cater to both individual and business needs while ensuring ease of access through digital banking features. If you have any questions or wish to explore how we can assist you further, don't hesitate to reach out at (478) 452-0430 or visit us at our location in Milledgeville, GA. Your journey towards better financial health starts here!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, look no further! We provide flexible auto loans and vehicle financing options that can help make your dream car a reality. Our straightforward application process means you'll be on the road in no time, and our knowledgeable staff can guide you through choosing the best loan for your situation.

Business Banking

For our business members, we offer essential services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our dedicated business banking team is ready to support your success.

Credit Cards with Rewards

Make your purchases more rewarding with our credit card options! Enjoy benefits such as cashback on everyday spending or points that lead to exciting rewards. It's an easy way to earn while you spend!

Mortgage Loans & Refinancing

Homeownership is within reach at Midsouth Community. We offer mortgage loans designed to suit various budgets and circumstances. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we are here to help simplify the process with expert guidance tailored just for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Midsouth Community offers robust online and mobile banking services. Access your accounts, pay bills, transfer funds, and even deposit checks from the comfort of your home or on-the-go.

Personal Banking

Whether you're looking to open a checking account for everyday expenses or want to set aside funds in a savings account, Midsouth Community offers personal banking solutions that fit your lifestyle. Our accounts come with user-friendly online and mobile banking features, making it easy to manage your finances anytime, anywhere. Plus, with our competitive interest rates, your savings can grow even faster.

Personal Loans & Debt Consolidation

Life can sometimes bring unexpected expenses. That's why we provide personal loans that can assist you in covering those costs or consolidating debt into one manageable payment. Our team will work closely with you to find a solution that fits your financial goals.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to paper clutter! Our e-statements are available to help you manage your finances more efficiently while also being environmentally friendly. You'll receive your statements securely online, allowing you to review your financial activity whenever it suits you. Need to make payments on the go? Our mobile payments feature lets you pay bills or send money directly from your smartphone. It's as simple as a few taps on our user-friendly mobile application, which is available for download today. With this app, managing your money is always within reach!

Person-to-Person Transfers

Sending money to friends or family has never been easier thanks to our person-to-person transfer service. Whether it's splitting a dinner bill or sending a birthday gift, you can quickly send funds without any hassle. At Midsouth Community, we prioritize the safety of your transactions. Our digital banking services are equipped with advanced security measures to protect your personal and financial information. So you can bank with peace of mind knowing that your data is safe. Experience the ease of modern banking with Midsouth Community. Join us today and take control of your finances with our comprehensive digital banking solutions!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 78,763, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,214,593. 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 375 Hammock Rd Nw Milledgeville Ga 31061 or call (478) 452-0430 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.

Investment in Your Future

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. Additionally, our commitment is evident with $7,094 in used auto loans and $316,732,416 in total loans and leases. This lending capacity supports members' financial goals across various sectors.

Member-Focused 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 $824,493 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 104 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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.

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 options for both.

Credit Lines

Our credit lines are designed to give you access to funds when you need them most. With a total credit line amounting to $135,947,000, you can enjoy peace of mind knowing that additional financial support is just a click away.

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 guide you through the process to ensure you understand every step along the way.

Refinancing and Eligibility Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is here to help. We can walk you through the steps and determine what works best for your situation. For more information about our loan offerings and how they can benefit you, feel free to reach out! You can contact us at 478-452-0430 or visit us at our branch located at 375 Hammock Rd Nw Milledgeville Ga 31061. 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 Midsouth Community be your partner in achieving your financial aspirations!

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. This option can be great for those looking to consolidate debt or cover unexpected expenses without putting their assets at risk.

Loan Aggregator

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MIDSOUTH COMMUNITY FEDERAL CREDIT UNION - Milledgeville, GA

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