Ferguson Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
3.00%	Reward Checking	Rewards Checking 1.75% - National Average
2.00%	5-year CD	60 Month Certificate 1.85% - Synchrony Bank 60 Month CD
1.01%	1-year CD	12 Month Certificate 1.05% - Ally Bank High Yield 12-Month CD

View all Ferguson Federal Credit Union rates »

Overview / Commentary

www.fergusonfcu.org

601-587-4037

Ferguson FCU 577 NA Sandifer Hwy
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 16^th largest credit union in the state of Mississippi. It is also the 2,099^th largest credit union in the nation. It was established in 1968 and as of June of 2016, it had grown to 15 employees and 5,558 members at 1 location. Ferguson Federal Credit Union's savings rates are 94% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Georgia Pacific Company (Ferguson Mill in Lawrence County, Mississippi) or several other companies. Membership is also open to all residents of Lawrence County.
See current membership details

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Health

B+

Data as of Q2 2016

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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. Ferguson Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	18515
Year Chartered	1968
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	1.74%
Return on Equity - YTD	10.34%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$60.7MM$58.3MM
Loans	Q2 2016vs Q2 2015	$34.5MM$26.7MM
Deposits	Q2 2016vs Q2 2015	$50.5MM$49.1MM
Equity Capital	Q2 2016vs Q2 2015	$10.1MM$9.2MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$154.00K$84.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$545.00K$151.00K
Real Estate Owned	Q2 2016vs Q2 2015	$37.00K$0

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ferguson Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%^*	$50k^*	-	Regular Savings Account
OTHER TIERS: 0.25% → $505 - $5k \| 0.50% → $5k - $25k \| 0.75% → $25k - $50k
1.01%^*	$50k^*	-	IRA Account
OTHER TIERS: 0.75% → $500 - $10k
0.75%	$30	-	Holiday Club Account
0.75%	-	-	Youth Account

Ferguson Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	$20k	Rewards Checking
0.75%	$25	$2,500	Youth Checking
0.25%	$500	-	Checking Account
0.25%	$500	-	Business Checking Account

Ferguson Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	60 Month Certificate
1.75%	$1k	-	48 Month Certificate
1.50%	$1k	-	36 Month Certificate
1.30%	$1k	-	24 Month Certificate
1.01%	$1k	-	12 Month Certificate

Locations

Ferguson Federal Credit Union Locations
Branch Office	Ferguson FCU 577 NA Sandifer Hwy	Monticello, MS 39654