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Ferguson Federal Credit Union

Popular Accounts at this Credit Union

3.00%Reward CheckingRewards Checking
2.00%5-year CD60 Month Certificate
1.01%1-year CD12 Month Certificate

Overview / Commentary
Ferguson FCU 577 NA Sandifer Hwy
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 16th largest credit union in the state of Mississippi. It is also the 2,099th 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

Membership in Ferguson Federal Credit Union is open to employees 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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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

NCUA #18515
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD1.74%
Return on Equity - YTD10.34%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$60.7MM$58.3MM
LoansQ2 2016vs Q2 2015$34.5MM$26.7MM
DepositsQ2 2016vs Q2 2015$50.5MM$49.1MM
Equity CapitalQ2 2016vs Q2 2015$10.1MM$9.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$154.00K$84.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$545.00K$151.00K
Real Estate OwnedQ2 2016vs Q2 2015$37.00K$0
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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

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

3.00%$500$20kRewards Checking
0.75%$25$2,500Youth Checking
0.25%$500-Checking Account
0.25%$500-Business Checking Account

Ferguson Federal Credit Union CD Rates

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

Ferguson Federal Credit Union Locations
Branch OfficeFerguson FCU 577 NA Sandifer HwyMonticello, MS 39654