Community South Credit Union


Overview / Commentary
850-638-8376
1044 Highway 90
Chipley, FL 32428

Community South Credit Union is headquartered in Chipley and is the 54th largest credit union in the state of Florida. It is also the 1,366th largest credit union in the nation. It was established in 1991 and as of March of 2019, it had grown to 43 employees and 10,658 members at 3 locations. Community South Credit Union's CD rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Community South CU is open to anyone that resides or works in Washington or Holmes County, as well as the geographic perimeters of the following zip codes 32440, 32420, 32431, and 32426. Membership eligibility also extends to include the current employees and retirees of the Florida Dept of Transportation in District 3, Washington County; including the County Commission and School Board, Chipley City, and Community South CU employees, along with the family members of CU members.
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Health
A+

Health Grade Components

Overall
NCUA #67434
Year Chartered1991
Employees43
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD6.74%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$135.0MM$119.2MM
LoansQ1 2019vs Q1 2018$93.3MM$87.3MM
DepositsQ1 2019vs Q1 2018$116.7MM$103.1MM
Equity CapitalQ1 2019vs Q1 2018$16.9MM$15.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$2.2MM$2.6MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$367.00K$1.2MM
Real Estate OwnedQ1 2019vs Q1 2018$65.00K$0
Rates
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Community South Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Savings
0.30%--Vacation Club
0.30%--Christmas Club

Community South Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--Money Market

Community South Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-60 Month CD
2.20%$500-60 Month Step Up CD
2.10%$500-36 Month CD
2.00%$500-24 Month CD
1.85%$500-12 Month CD
1.80%$500-36 Month Step Up CD
1.00%$500-6 Month CD

Community South Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-60 Month IRA
2.20%$500-60 Month Step Up IRA
2.10%$500-36 Month IRA
2.00%$500-24 Month IRA
1.85%$500-12 Month IRA
1.80%$500-36 Month Step Up IRA
1.00%$500-6 Month IRA
Locations


Community South Credit Union Locations
Branch Office1720 S Waukesha StBonifay, FL 32425
Branch Office1044 Highway 90Chipley, FL 32428
Branch Office1447 Main StChipley, FL 32428

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