Ferguson Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fergusonfcu.org

601-806-3328

1026 E Broad Street
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 14^th largest credit union in the state of Mississippi. It is also the 1,879^th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 46 employees and 10,392 members at 8 locations. Ferguson Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Ferguson Federal Credit Union is open to anyone who lives, works, worships, attends school, or owns a business in the Mississippi counties of Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Rankin (southern portion), Simpson, or Walthall. Employees of Georgia Pacific’s Ferguson Mill in Lawrence County are also eligible to join.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

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	46
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.16%
Return on Equity - YTD	-1.71%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$95.1MM$92.2MM
Loans	Q1 2025vs Q1 2024	$61.6MM$59.6MM
Deposits	Q1 2025vs Q1 2024	$85.2MM$83.5MM
Equity Capital	Q1 2025vs Q1 2024	$9.2MM$8.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$987K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.7MM$1MM
Real Estate Owned	Q1 2025vs Q1 2024	$140K$76K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Ferguson Federal Credit Union are currently being reviewed.

Locations

Ferguson Federal Credit Union Locations
Branch Office	1026 E Broad St	Monticello, MS 39654
Branch Office	352 Brookhaven St	Brookhaven, MS 39601
Corporate Office	1026 E Broad St	Monticello, MS 39654
Branch Office	519 HIGHWAY 98 BYP	COLUMBIA, MS 39429
Branch Office	500 Main Ave	NewHebron, MS 39140
Branch Office	277 11th Ave SW	Magee, MS 39111
Branch Office	609 High School Ave	Columbia, MS 39429
Branch Office	577 NA Sandifer Hwy	Monticello, MS 39654

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