Ferguson Federal Credit Union

Overview / Commentary
1026 E Broad Street
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 15th largest credit union in the state of Mississippi. It is also the 1,915th largest credit union in the nation. It was established in 1968 and as of March of 2024, it had grown to 45 employees and 9,909 members at 8 locations. Ferguson Federal Credit Union's CD rates are 67% 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 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.
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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 - YTD-1.18%
Return on Equity - YTD-11.89%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$92.2MM$90.1MM
LoansQ1 2024vs Q1 2023$59.6MM$58.8MM
DepositsQ1 2024vs Q1 2023$83.5MM$80.2MM
Equity CapitalQ1 2024vs Q1 2023$9MM$9.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$987K$581K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1MM$750K
Real Estate OwnedQ1 2024vs Q1 2023$76K$132K
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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

OTHER TIERS: 0.65% $500 - $50k
0.50%*$0$2.5kChristmas Club
OTHER TIERS: 0.20% $2.5k+
0.25%$1-Youth Account
0.15%$500-Regular Savings Account
0.15%$1k-Special Savings

Ferguson Federal Credit Union Money Market Rates

0.45%*$35k*$75kHigh Yield Money Market
OTHER TIERS: 0.25% $2.5k - $10k | 0.35% $10k - $35k

Ferguson Federal Credit Union Checking Account Rates

5.00%*$500*$20kRewards (Smart) Checking
OTHER TIERS: 0.25% $20k+
0.30%$1$2.5kYouth Checking
0.25%$500-Checking Account
0.20%$1k-Business Checking

Ferguson Federal Credit Union CD Rates

4.75%$1k-6 Month Certificate
2.00%$1k-36 Month Certificate
2.00%$1k-48 Month Certificate
2.00%$1k-60 Month Certificate
1.80%$1k-24 Month Certificate
1.50%$1k-12 Month Certificate

Ferguson Federal Credit Union IRA Rates

4.75%$1k-6 Month IRA
2.00%$1k-36 Month IRA
2.00%$1k-60 Month IRA
2.00%$1k-48 Month IRA
1.80%$1k-24 Month IRA
1.50%$1k-12 Month IRA

Ferguson Federal Credit Union Locations
Branch Office1026 E Broad StMonticello, MS 39654
Branch Office352 Brookhaven StBrookhaven, MS 39601
Corporate Office1026 E Broad StMonticello, MS 39654
Branch Office519 HIGHWAY 98 BYPCOLUMBIA, MS 39429
Branch Office500 Main AveNewHebron, MS 39140
Branch Office277 11th Ave SWMagee, MS 39111
Branch Office609 High School AveColumbia, MS 39429
Branch Office577 NA Sandifer HwyMonticello, MS 39654

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