One South Credit Union Natchez MS | Best Auto Loans & Low Mortgage Rates

Introduction

At One South, we believe that strong financial partnerships can truly transform lives. Nestled in the heart of Natchez, MS, at 148 N Shields Ln, our credit union has been a trusted member of the community since 1953. With a total membership of 2,738 and assets exceeding $18,919,931, we are dedicated to helping our members achieve their financial goals. Our commitment goes beyond just numbers. We provide personalized services including checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Each year, our members benefit from approximately $2,390,749 in deposits and a robust loan portfolio that includes 935 loans and leases. Whether you're looking for a new vehicle or need assistance with your first home purchase, we're here to guide you every step of the way. Led by our CEO Stacy McCann and Board President Michael Anderson, our team works tirelessly to foster a welcoming environment where everyone feels valued. With eight dedicated employees on staff, we ensure that our members receive the best possible service during their visits. You can reach us at (601) 442-4382 during our operating hours from Monday to Friday, 8:00 AM to 4:00 PM. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 148 N SHIELDS LN, NATCHEZ, MS 39120-4195. Explore more about what we offer by visiting our website at www.onesouthfcu.com. Join us in building a brighter financial future together stop by today or give us a call!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the One South family. Experience firsthand the benefits of being a member-focused credit union that prioritizes your financial health and community support. Explore more about us on our website here, or take the first step toward membership by opening your account online here. Join us today and discover how One South can help you achieve your financial dreams while making a positive impact in our beloved Natchez!

Our Evolution

From our humble beginnings, One South has blossomed into a trusted institution with over 2,700 members and total assets amounting to $18,919,931. Our journey is marked by milestones that reflect our commitment to our members and the community. We have embraced modern technology to enhance member experience, including online banking and mobile payment options. These advancements ensure that we remain accessible and relevant in today's fast-paced world. Our operating hours are designed with your convenience in mind; we're open Monday through Friday from 8:00 AM to 4:00 PM. You can visit us at our branch or reach out via phone at 601-442-4382 for any inquiries or assistance you may need. For those who prefer a drive-thru option, we offer basic drive-thru banking services for deposits and withdrawals.

Our Mission

At One South, our mission is clear: to empower our members by providing personalized financial solutions while actively supporting local initiatives. We believe that every member deserves access to quality banking services tailored to their unique circumstances. Whether it's helping you secure an auto loan, offering competitive mortgage rates, or providing business banking solutions, we are here for you. We also understand the importance of community involvement. Through various outreach efforts and partnerships with local organizations, we strive to uplift those around us. Our commitment goes beyond just transactions; it's about building relationships and fostering growth within Natchez. While members can visit us at 148 N Shields Ln for all their banking needs, official correspondence should be sent to 148 N SHIELDS LN, NATCHEZ, MS 39120-4195 if different from the branch address.

Branch Location & Accessibility

Convenient Access and Amenities

Our location offers ample parking for your convenience, making it simple to stop by for any financial service you require. Plus, we've ensured that our branch is ADA compliant, providing ramps and accessibility features to assist all members of our community. While you can visit us at our Natchez address, please note that any official correspondence should be sent to our mailing address: 148 N SHIELDS LN, NATCHEZ, MS 39120-4195.

Get in Touch!

We invite you to visit us at One South today! If you have any questions or need assistance before stopping by, feel free to give us a call at 601-442-4382. Experience the personalized service that sets us apart let us help you with all your banking needs!

Operating Hours and Services

At One South, we understand that your time is valuable. That's why we offer convenient operating hours from 8:00 AM to 4:00 PM Monday through Friday. Our friendly staff is ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For those on the go, we also provide drive-thru banking services for quick deposits and withdrawals. And if you need cash outside of regular business hours, our ATM is available for your convenience.

Member Eligibility

At One South, we believe that becoming a member means joining a caring community that supports you in your financial journey. If you live, work, or worship in our area, you're likely eligible to become part of our family! We warmly welcome anyone who meets our eligibility criteria, which includes those who reside in Adams County or have ties to it. This means whether you're starting out on your financial path or looking for a better banking experience, we've got you covered with services tailored to your needs. Opening an account is straightforward and inviting just head over to our website for all the details on how to start your membership journey at One South. You can find more information about eligibility and account opening by visiting this link. If you have any questions or need assistance, don't hesitate to give us a call at (601) 442-4382. We're excited to help you take the first step toward financial empowerment!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business without worrying about complicated payment systems. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From seamless point-of-sale solutions to online payment processing, we provide the tools necessary for smooth operations. Visit us at 148 N Shields Ln, Natchez, MS 39120 or call us at 601-442-4382 to explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a small business owner in need of banking solutions, we offer merchant services and business loans that can help fuel your growth. Our team is committed to understanding the unique challenges you face and providing support that aligns with your business needs.

Convenient Access

For those times when you need quick access to cash, our ATM services are readily available at convenient locations. You can withdraw cash or check balances without any hassle. Additionally, our drive-thru service allows for easy deposits and withdrawals without leaving your car perfect for busy days!

Credit Cards

With our credit cards featuring rewards programs, you can earn points on everyday purchases while enjoying the convenience of cashless transactions. Picture yourself earning rewards just for buying groceries or filling up your tank!

Get Started Today!

With operating hours from Monday to Friday between 8:00 AM and 4:00 PM, we're here when you need us most. If you're ready to take the next step in achieving your financial dreams or if you have questions about any of our services, don't hesitate to call us at 601-442-4382. At One South, we're more than just a credit union; we're your partner in financial success. Explore all the ways we can serve you today! For more information about our services or to start an account, visit us online at One South FCU.

Loans and Financing

Looking to purchase a new car or refinance your home? Our auto loans and mortgage options provide competitive rates to help make these significant purchases more manageable. For those unexpected expenses or consolidation of debts, we also offer personal loans tailored to fit your budget.

Personal Banking

We understand that managing your money is a top priority. Our personal banking services include checking and savings accounts designed to help you reach your financial goals. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills right from your phone.

Digital & Online Banking

Accessibility Made Easy

With One South, banking is not just about numbers; it's about having control over your financial life in an easy and accessible way. From checking balances to transferring funds, our online services empower you to make informed decisions at any time. So why wait? Experience the convenience of digital banking with us today! For more information, visit our website and take advantage of everything we offer!

Key Features

Our mobile application is another fantastic tool that allows you to bank wherever you are. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. Plus, if you're looking for a fast way to pay for purchases, our mobile payments option will have you covered. We prioritize your security while making sure everything is user-friendly. You can feel confident knowing that all transactions are protected with the latest security measures. And with 24/7 online banking services, you have access to your accounts whenever you need it day or night.

Financial Strength

Community Trust

Total Share Accounts stand at 3,960, showing a strong and growing member base that trusts us with their finances. This community trust fuels our mission to provide exceptional service tailored to 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, One South is your trusted partner. Visit us at 148 N Shields Ln Natchez Ms 39120 or call (601) 442-4382 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $16,524, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $3,162,648 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity; with $239 in used auto loans and $9,031,006 in total loans and leases, we're here to support your financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $0 in share certificates and $0 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.

Strong Financial Health

With a net worth of $3,237,848, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 17.05% 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 $3,765,957 in used vehicle loans and $2,560,750 in new vehicle loans already helping members get on the road. We also provide refinancing options to ensure you get the best deal possible on your auto financing.

Credit Lines

Our total credit lines stand at $1,500,000, providing additional flexibility for those who need it. This option can be ideal for managing unexpected expenses or funding projects without having to take out a traditional loan. For any questions regarding eligibility or how to apply for these loans, feel free to reach out at 601-442-4382 or visit us at 148 N Shields Ln Natchez, MS 39120. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At One South, we're here to help you navigate your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently have no Junior Lien 1-4 Family Residential Property loans available, our team can guide you through various financing solutions that may fit your circumstances.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we do not currently have any outstanding unsecured credit card loans, our goal is to help members manage their finances effectively when the opportunity arises.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 rigorous sourcing guarantees fair and transparent offers for all types of loans. Each financial institution listed on LendMesh has been vetted to ensure they meet industry standards, allowing users to compare rates without confusion or concern about legitimacy.

ONE SOUTH FEDERAL CREDIT UNION - Natchez, MS

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