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

Introduction

At Midsouth Community, we believe in the power of community and the importance of building lasting relationships. Located at 302 Russell Pkwy, Warner Robins, GA 31088, our credit union has proudly served its members since 1936. With a commitment to your financial well-being, we offer personalized services tailored to meet your needs. As part of our dedication to transparency, we're proud to share that we currently have a total membership of 42,795 and assets amounting to $462,944,517. We strive to provide excellent services that foster growth and security for all our members. Whether you're looking for checking accounts, auto loans, or mortgage financing, we're here to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 302 Russell Pkwy, Warner Robins, GA 31088. Our leadership team is committed to serving you; led by CEO Roy Bibb and Board President Cecil Ethridge, we ensure that every decision made is in the best interest of our community. With a dedicated staff of 112 employees, we're ready to assist you during our operating hours from Monday through Friday, 9:00 AM - 5:15 PM and Saturday from 9:00 AM - 1:00 PM. At Midsouth Community, we're not just about numbers our mission is about making a positive impact in the lives of our members. With a net worth of $60,839,393 and cash in hand totaling $6,936,912, you can trust that your finances are secure with us. So why wait? Connect with us today! Call us at 478-471-9946 or visit our website at Midsouth Community for more information on how we can support your financial journey.

Branch History & Mission

A Legacy of Growth

Since our inception nearly nine decades ago, Midsouth Community has continuously evolved to meet the changing needs of our members. Over the years, we've built a strong reputation for providing exceptional financial services and fostering deep connections within the community. With total assets reaching an impressive $462,944,517, we are well-equipped to support our members with a variety of products including auto loans, mortgages, and personal banking solutions.

Community Engagement

We pride ourselves on being more than just a financial institution. Midsouth Community actively engages with local events and partners with organizations that share our vision of community growth and support. We understand that building relationships is as important as building assets.

Join Us Today!

If you're looking for a credit union that prioritizes its members and community alike, look no further than Midsouth Community. Experience personalized service and benefits designed just for you. Call us at 478-471-9946 or explore more about what we offer by visiting our website. Together, let's build a brighter financial future!

Our Mission

At Midsouth Community, our mission is clear: we aim to empower our members through accessible financial services while actively participating in community development. We believe that when our members thrive, so does the entire community. Our commitment extends beyond banking; it includes initiatives that uplift and support local organizations and events. While you can visit us at our branch location for face-to-face assistance or use our drive-thru service for quick transactions, we also embrace technology with online and mobile banking options that make managing your finances easier than ever. Whether you need help with checking accounts or are looking for loans tailored to your needs, we strive to provide outstanding service.

Branch Location & Accessibility

Comprehensive Services

At Midsouth Community, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. You can also take advantage of our ATM services for quick cash withdrawals and balance checks or use our drive-thru for simple transactions without leaving your vehicle. For any questions or assistance, feel free to give us a call at 478-471-9946. Our dedicated staff is always ready to help! We look forward to welcoming you into our branch soon!

Easy Access and Parking

At our branch, we understand that accessibility is key. Our building is ADA compliant, featuring ramps and designated parking spots for those who need them. You'll find ample parking available right outside the entrance, ensuring that you can get in and out quickly. While members can visit us at 302 Russell Pkwy, official correspondence should be sent to the same address since it also serves as our mailing address.

Friendly Banking Hours

We're here for you during convenient hours! Our lobby is open Monday through Friday from 9:00 AM to 5:15 PM, and we invite you to utilize our drive-thru service on Saturdays from 9:00 AM to 1:00 PM. This flexibility allows you to manage your banking needs on a schedule that suits you best.

Member Eligibility

At Midsouth Community, becoming a member is like joining a family where your financial well-being matters. If you live, work, or worship in the area around our branch at 302 Russell Pkwy Warner Robins Ga 31088, you may qualify for membership. We aim to create a welcoming environment that supports your financial journey, offering a range of services designed just for you. The eligibility criteria are straightforward and accessible, allowing more people to benefit from our community-focused approach. For those interested in learning more about specific eligibility details, we invite you to check out the resource at . Ready to take the next step? Opening an account with us is easy! You can start the process by visiting us online at https://onlinebanking.midsouthfcu.org/registration or give us a call at (478) 471-9946 if you have any questions. Join us at Midsouth Community and discover how we can help you achieve your financial goals while being part of a supportive 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

Imagine running a thriving café where payments are seamless. Our merchant services enable you to accept payments effortlessly, ensuring your customers enjoy a smooth checkout experience. Whether it's online sales or in-person transactions, we provide the tools you need to enhance your operations and boost customer satisfaction. Located conveniently at 302 Russell Pkwy Warner Robins Ga 31088 in Warner Robins, GA, our dedicated team is ready to help you navigate the world of business banking. Reach out today at (478) 471-9946 and discover how we can empower your business journey!

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive banking solutions including merchant services and business loans to keep your operations running smoothly. We understand the importance of having accessible financial tools for growing businesses.

Convenient Services

Accessing your accounts is simple with our ATM services available for cash withdrawals and balance checks whenever you need them. If you prefer face-to-face interactions, our basic drive-thru banking allows you to make deposits and withdrawals without leaving your vehicle.

Credit Options

We know that sometimes life throws unexpected expenses your way. That's why we provide personal loans for debt consolidation or any urgent financial needs you may have. Additionally, our credit cards come with rewards that help you earn while you spend perfect for those everyday purchases.

Personal Banking

Our personal banking services include checking and savings accounts that fit your lifestyle. Imagine being able to easily access your funds through our online and mobile banking platforms, making deposits or withdrawals from the comfort of your home or on the go. With features like electronic signatures and e-statements, managing your finances has never been easier. If you're in the market for a new vehicle, our auto loans offer competitive rates and flexible terms tailored to your budget. You can also explore our mortgage loans for buying or refinancing your home, ensuring you have a place to create lasting memories.

Stay Connected

At Midsouth Community, we're committed to making banking convenient for you. Our online and mobile banking options let you stay connected with your finances anytime, anywhere. You can enjoy features like person-to-person payments, making it easy to send money to friends or family. We invite you to visit us at 302 Russell Pkwy Warner Robins Ga 31088 or give us a call at (478) 471-9946 to learn more about how we can assist you with all your financial needs. Experience the difference with Midsouth Community where our members come first!

Digital & Online Banking

Key Features

With our online banking services available 24/7, you can access your accounts whenever you need to. Whether you're checking your balance or transferring funds, everything is just a click away. Visit us at https://www.midsouthfcu.org/ to get started today! Our mobile application makes it even simpler to bank on the go. You can make mobile payments with ease, ensuring that you're never left scrambling for cash when you need it most. Plus, with person-to-person transfers, sending money to friends or family is as simple as a few taps on your phone. Security is a top priority for us. We utilize electronic signature authorization to ensure that your transactions are safe and secure. You can trust that your personal information is protected while you enjoy the convenience of managing your accounts online. For those who prefer paperless options, we offer e-statements that allow you to view and manage your financial documents digitally. This not only helps the environment but also gives you quick access to important information without the clutter. In short, Midsouth Community provides all the tools you need for effective account management right at your fingertips. Experience the ease and security of our digital banking services today!

Financial Strength

Continuous Growth and Investment

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 $31,673,241 in total loans and leases and $7,094 in used auto loans.

Growing Membership Base

Total Share Accounts stand at an impressive 78,763, showing a strong and growing member base that trusts us with their finances. This growth illustrates the confidence our members have in Midsouth Community as their trusted financial partner. 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 302 Russell Pkwy Warner Robins Ga 31088 or call 478-471-9946 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.

Member-Centric 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 ability to maintain operational efficiency is evident through our $0 net income, which reflects our commitment to providing valuable products without compromising quality or service. 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.

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 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. We offer financing options for both new and used vehicles, making it easier than ever to drive away with a reliable car.

Business Loans

For business owners, our outstanding commercial loans totaling $11,568,094 provide the capital needed to grow and expand. Whether it's equipment financing or working capital, we have solutions that fit your business needs.

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 various benefits designed to suit your lifestyle while providing the freedom to manage your day-to-day purchases.

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 an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your current loans, our dedicated team can assist you in exploring eligibility options that could lead to lower payments and better interest rates. At Midsouth Community, we're here to help you navigate your financial journey every step of the way. You can reach us at (478) 471-9946 or visit us at our branch located at 302 Russell Pkwy Warner Robins Ga 31088 in Warner Robins, GA. 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 our loan offerings today and find out how we can help you meet your financial goals!

Loan Aggregator

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 every offer presented is fair and transparent. Users can trust that they are viewing accurate information about loan rates and terms.

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MIDSOUTH COMMUNITY FEDERAL CREDIT UNION