2. Ferguson Federal Credit Union

Ferguson Federal Credit Union


Overview / Commentary
www.fergusonfcu.org
601-587-4037
1026 E Broad St
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 13th largest credit union in the state of Mississippi. It is also the 1,789th largest credit union in the nation. It was established in 1968 and as of December of 2018, it had grown to 55 employees and 8,937 members at 6 locations. Ferguson Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Ferguson Federal Credit Union is open to residents of Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Simpson, Walthall, and South Rankin Counties, Mississippi. Employees of Georgia Pacific’s Ferguson Mill in Lawrence County are also eligible to join.
See current membership details

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Health
B+

Data as of Q4 2018

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 Chartered1968
Employees55
Primary Regulator
Profit Margin
Return on Assets - YTD-1.36%
Return on Equity - YTD-10.68%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$82.5MM$76.1MM
LoansQ4 2018vs Q4 2017$59.8MM$57.2MM
DepositsQ4 2018vs Q4 2017$72.0MM$63.8MM
Equity CapitalQ4 2018vs Q4 2017$10.4MM$11.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.5MM$527.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.8MM$2.0MM
Real Estate OwnedQ4 2018vs Q4 2017$316.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$50k*-IRA
OTHER TIERS: 0.75% → $500 - $50k
0.80%*$50k*-Regular Savings Account
OTHER TIERS: 0.20% → $505 - $5k | 0.40% → $5k - $25k | 0.60% → $25k - $50k
0.50%$30-Christmas Club
0.25%$5-Youth Account

Ferguson Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-High Yield Money Market
OTHER TIERS: 0.40% → $2.5k - $10k | 0.50% → $10k - $25k | 0.75% → $25k - $50k | 1.00% → $50k - $100k

Ferguson Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$500*$20kRewards Checking
OTHER TIERS: 0.15% → $20k+
0.15%$500-Checking Account
0.15%$25$2.5kYouth Checking
0.01%$500-New Leaf Checking

Ferguson Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$1k-60 Month Certificate
2.40%$1k-48 Month Certificate
2.30%$1k-36 Month Certificate
2.20%$1k-24 Month Certificate
2.05%$1k-12 Month Certificate

Ferguson Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$1k-60 Month IRA
2.40%$1k-48 Month IRA
2.30%$1k-36 Month IRA
2.20%$1k-24 Month IRA
2.05%$1k-12 Month IRA
Locations


Ferguson Federal Credit Union Locations
Branch Office1026 E Broad StMonticello, MS 39654
Branch Office352 Brookhaven StBrookhaven, MS 39601
Branch Office577 NA Sandifer HwyMonticello, MS 39654
Branch Office5162 PLAZA DRTYLERTOWN, MS 39667
Branch Office609 HIGH SCHOOL AVECOLUMBIA, MS 39429
Branch Office500 Main AveNewHebron, MS 39140

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