Business Details
50+ Years
experience
Your Trusted Financial Partner in Macon, GA
MidSouth Community Federal Credit Union has served Middle Georgia as a locally-owned, not-for-profit financial cooperative since 1936. We operate exclusively for the benefit of our 43,000+ member-owners, returning profits through competitive rates, low fees, and personalized service. Our community-focused approach extends to financial education programs, scholarship initiatives, and partnerships that strengthen the regions we serve.With $464 million in assets and 8 convenient locations, we combine modern financial solutions with the personal touch of a community institution. Our digital banking tools, investment advisory services, and comprehensive loan products reflect our commitment to meeting evolving member needs while maintaining the cooperative principles of mutual support and financial empowerment.
Services
Checking Accounts
Savings Plans
Auto Loans
Mortgage Services
Investment Advisory
Digital Banking
Credit Cards
Wire Transfers
Scholarship Programs
Insurance Services
Details
- Year established: 1936
Highlights and features
- Locally-owned since 1936 with deep community roots
- Member-owned cooperative returning profits to account holders
- Competitive rates on loans and savings products
- 8 convenient branch locations across Middle Georgia
- Free financial education and scholarship programs
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We offer competitive auto loan rates starting at 3.99% APR for qualified borrowers. Our flexible terms accommodate new and used vehicle purchases with personalized payment options. Members benefit from streamlined online applications and quick approval processes.
Investment Advisory
Through partnerships with licensed professionals, we provide retirement planning, college savings strategies, and investment portfolio management. Services include risk assessment, diversified investment options, and estate planning guidance tailored to individual financial goals.
Digital Banking
Our digital platform enables 24/7 account access with features like mobile check deposit, bill payment, account alerts, and fund transfers. Security features include biometric authentication and encrypted transactions to protect member information and facilitate convenient banking.
Scholarship Programs
We award annual scholarships to local students through our Tom Bentley Memorial Program. High school seniors receive $4,000 and continuing education students receive $2,000 based on academic merit, community service, and financial need assessments.
Credit Cards
Visa credit card options start at 12.90% APR with rewards programs and fraud protection features. Members can choose from multiple card types with customizable spending limits, mobile payment integration, and zero liability protection against unauthorized transactions.
People
Cecil Ethridge, Jr.
Chairman
Leading the board with over 20 years of governance experience, Cecil guides strategic initiatives while maintaining community engagement priorities through local partnerships and financial literacy programs.
Harry Trawick
Vice Chairman
With extensive financial services background, Harry oversees operational efficiency improvements and member service enhancements while ensuring regulatory compliance across all credit union activities.
Brannon Hicks
Secretary
Managing corporate communications and records, Brannon focuses on transparency initiatives and member education programs that align with the credit union's cooperative principles and community development goals.
Questions
How do I become a member?
Anyone living, working, or studying in Middle Georgia counties can join by opening an account with a $25 minimum deposit.
What loan types are available?
We offer auto loans, mortgages, home equity lines, personal loans, and credit cards with competitive rates for qualified applicants.
Are my deposits insured?
Yes, savings are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Do you offer online banking?
Yes, our digital platform includes mobile banking, bill pay, check deposit, and account management tools available 24/7.