CenturyFirst Federal Credit Union


Overview / Commentary
601-450-4114
3318 Hardy St
Hattiesburg, MS 39401

CenturyFirst Federal Credit Union is headquartered in HATTIESBURG and is the 18th largest credit union in the state of Mississippi. It is also the 2,432nd largest credit union in the nation. It was established in 1956 and as of September of 2019, it had grown to 24 employees and 7,047 members at 5 locations. CenturyFirst Federal Credit Union's CD rates are 39% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to faculty, staff and students of University of Southern Mississippi, members of the Southern Miss Alumni Association, civilian employees of the United States Government in the state of Mississippi, and other select businesses and organizations.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. CenturyFirst Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #24668
Year Chartered1956
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD1.57%
Return on Equity - YTD14.37%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$45.1MM$41.7MM
LoansQ3 2019vs Q3 2018$34.2MM$30.0MM
DepositsQ3 2019vs Q3 2018$39.3MM$36.3MM
Equity CapitalQ3 2019vs Q3 2018$4.8MM$4.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$515.00K$522.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$832.00K$639.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CenturyFirst Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--IRA Savings
0.35%--Savings
0.35%--Christmas Club

CenturyFirst Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Account
OTHER TIERS: 0.35% $1.5k - $50k

CenturyFirst Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%--60 Month CD
2.25%--48 Month CD
2.10%--36 Month CD
1.60%--24 Month CD
1.25%--12 Month CD
0.80%--6 Month CD
0.60%--3 Month CD

CenturyFirst Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%--60 Month IRA
2.25%--48 Month IRA
2.10%--36 Month IRA
1.60%--24 Month IRA
1.25%--12 Month IRA
0.80%--6 Month IRA
0.60%--3 Month IRA
Locations


CenturyFirst Federal Credit Union Locations
Branch Office3318 HARDY STHATTIESBURG, MS 39401-6962
Branch Office315 Sawmill Rd Ste 214Laurel, MS 39440-3486
Branch Office3205 Hardy StHattiesburg, MS 39401-7060
Branch Office400 Forrest StHattiesburg, MS 39401-3455
Branch Office202 W Central AvePetal, MS 39465-2016

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