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Ferguson Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.00%Reward CheckingRewards Checking
2.00%2-year CD24 Month Certificate Special
2.00%5-year CD60 Month Certificate

Overview / Commentary
601-587-4037
1026 E Broad St
Monticello, MS 39654

Ferguson Federal Credit Union is headquartered in Monticello and is the 14th largest credit union in the state of Mississippi. It is also the 1,937th largest credit union in the nation. It was established in 1968 and as of September of 2017, it had grown to 50 employees and 6,876 members at 3 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

Related Posts

Ferguson FCU (MS) Starts Summer With 24-Month CD Special - 6/17/2017

Ferguson FCU (southwest MS) has added a 24-month CD Special (2.00% APY). The minimum opening deposit is $1k, with no stated balance cap.

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Health
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
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD7.82%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$72.4MM$64.5MM
LoansQ3 2017vs Q3 2016$55.0MM$38.1MM
DepositsQ3 2017vs Q3 2016$61.0MM$53.8MM
Equity CapitalQ3 2017vs Q3 2016$11.2MM$10.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$509.00K$235.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.6MM$789.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$48.00K
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*-Regular Savings Account
OTHER TIERS: 0.25% $505 - $5k | 0.50% $5k - $25k | 0.75% $25k - $50k
1.01%*$50k*-IRA
OTHER TIERS: 0.75% $500 - $10k
0.75%$30-Christmas Club
0.75%--Youth Account

Ferguson Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-High Yield Money Market
OTHER TIERS: 0.50% $2,500 - $10k | 0.75% $10k - $25k | 1.00% $25k - $50k | 1.25% $50k - $100k

Ferguson Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$500*$20kRewards Checking
OTHER TIERS: 0.20% $20k+
0.50%$25$2,500Youth Checking
0.20%$500-Checking Account

Ferguson Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month Certificate
2.00%$1k-24 Month Certificate Special
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 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month IRA
2.00%$1k-36 Month IRA CD Special
1.50%$1k-36 Month IRA
Locations


Ferguson Federal Credit Union Locations
Branch Office1026 E Broad StMonticello, MS 39654
Branch Office550 Highway 51 SBrookhaven, MS 39601
Branch Office577 NA Sandifer HwyMonticello, MS 39654