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

Community South Credit Union is headquartered in Chipley and is the 58th largest credit union in the state of Florida. It is also the 1,459th largest credit union in the nation. It was established in 1991 and as of September of 2018, it had grown to 41 employees and 10,560 members at 3 locations. Community South Credit Union's CD rates are 67% higher than the national average, and it 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

Health Grade Components

Overall
NCUA #67434
Year Chartered1991
Employees41
Primary Regulator
Profit Margin
Return on Assets - YTD2.17%
Return on Equity - YTD15.18%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$117.8MM$116.8MM
LoansQ3 2018vs Q3 2017$89.2MM$91.5MM
DepositsQ3 2018vs Q3 2017$100.0MM$101.1MM
Equity CapitalQ3 2018vs Q3 2017$16.8MM$14.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.1MM$2.8MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.0MM$2.0MM
Real Estate OwnedQ3 2018vs Q3 2017$0$201.00K
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
0.30%--Money Market

Community South Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$500-60 Month CD
1.85%$500-60 Month Step Up CD
1.80%$500-36 Month CD
1.70%$500-24 Month CD
1.50%$500-12 Month CD
1.50%$500-36 Month Step Up CD
0.80%$500-6 Month CD

Community South Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$500-60 Month IRA
1.85%$500-60 Month Step Up IRA
1.80%$500-36 Month IRA
1.70%$500-24 Month IRA
1.50%$500-12 Month IRA
1.50%$500-36 Month Step Up IRA
0.80%$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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