Community South Credit Union

Overview / Commentary
1044 Highway 90 E
Chipley, FL 32428

Community South Credit Union is headquartered in Chipley and is the 56th largest credit union in the state of Florida. It is also the 1,370th largest credit union in the nation. It was established in 1991 and as of December of 2019, it had grown to 51 employees and 11,287 members at 4 locations. Community South Credit Union has 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 Grade Components

NCUA #67434
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD9.1%
Annual Interest Income$6.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$135.1MM$129.0MM
LoansQ4 2019vs Q4 2018$100.8MM$92.2MM
DepositsQ4 2019vs Q4 2018$115.9MM$110.9MM
Equity CapitalQ4 2019vs Q4 2018$18.2MM$16.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.3MM$2.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$906.00K$821.00K
Real Estate OwnedQ4 2019vs Q4 2018$40.00K$0
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Community South Credit Union Savings Account Rates

0.20%--Vacation Club
0.20%--Christmas Club

Community South Credit Union Money Market Rates

0.40%--Money Market

Community South Credit Union CD Rates

1.60%$500-60 Month CD
1.25%$500-36 Month CD
1.10%$500-24 Month CD
0.65%$500-12 Month CD
0.50%$500-6 Month CD

Community South Credit Union IRA Rates

1.60%$500-60 Month IRA
1.25%$500-36 Month IRA
1.10%$500-24 Month IRA
0.65%$500-12 Month IRA
0.50%$500-6 Month IRA

Community South Credit Union Locations
Branch Office1720 S Waukesha StBonifay, FL 32425
Branch Office1044 Highway 90Chipley, FL 32428
Branch Office1447 Main StChipley, FL 32428
Branch Office775 US Highway 331 SDefuniak Springs, FL 32435

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