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Ferguson Federal Credit Union


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

Ferguson Federal Credit Union is headquartered in Tylertown and is the 14th largest credit union in the state of Mississippi. It is also the 1,825th largest credit union in the nation. It was established in 1968 and as of March of 2020, it had grown to 53 employees and 9,730 members at 7 locations. Ferguson Federal Credit Union's money market rates are 2X 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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Health
B+

Data as of Q1 2020

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
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD-1.55%
Return on Equity - YTD-13.74%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$83.3MM$86.3MM
LoansQ1 2020vs Q1 2019$54.7MM$59.0MM
DepositsQ1 2020vs Q1 2019$73.8MM$75.7MM
Equity CapitalQ1 2020vs Q1 2019$9.3MM$10.5MM
Loan Loss AllowanceQ1 2020vs Q1 2019$1.9MM$1.3MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$1.6MM$902.00K
Real Estate OwnedQ1 2020vs Q1 2019$72.00K$282.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Ferguson Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.96%*$50k*-IRA
OTHER TIERS: 0.65% → $500 - $50k
0.30%$50-Christmas Club
0.20%$500-Regular Savings Account
0.20%$1-Youth Account

Ferguson Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$75k*-High Yield Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.50% → $10k - $35k | 0.75% → $35k - $75k

Ferguson Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.49%*$500*$20kRewards (Smart) Checking
OTHER TIERS: 0.15% → $20k+
0.20%$1k-Business Checking
0.15%$1$2.5kYouth Checking
0.10%$500-Checking Account

Ferguson Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-60 Month Certificate
0.80%$1k-48 Month Certificate
0.70%$1k-36 Month Certificate
0.60%$1k-24 Month Certificate
0.50%$1k-12 Month Certificate

Ferguson Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-60 Month IRA
0.80%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.60%$1k-24 Month IRA
0.50%$1k-12 Month IRA
Locations


Ferguson Federal Credit Union Locations
Branch Office1026 E Broad StMonticello, MS 39654
Branch Office352 Brookhaven StBrookhaven, MS 39601
Branch Office5162 Plaza DrTylertown, MS 39667
Branch Office5162 PLAZA DRTYLERTOWN, MS 39667
Branch Office609 HIGH SCHOOL AVECOLUMBIA, MS 39429
Branch Office500 Main AveNewHebron, MS 39140
Branch Office277 11th Ave SWMagee, MS 39111

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