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Branch Operations Status


MEMBER RELEASE: March 25, 2020

For over 80 years, MidSouth Community Federal Credit Union has taken great pride in helping people afford life. We know that now, more than ever, our members need our help. To assist our members during this difficult time, we have made the following temporary changes to our fees:

  • Members will be allowed unlimited ATM withdrawals (no-fees) from MidSouth Community. Keep in mind that other financial institutions may have a surcharge to use their ATM; however, you can locate a surcharge-free ATM near you.
  • All fees associated with making loan payments by phone or Home Banking using a credit card or debit card will be waived.
  • No fees will be charged for early withdrawal from a Holiday Club Account.

For members who have a current loan and are experiencing financial difficulty due to the impact of the pandemic, please contact us so we may provide assistance during this time. Assistance may be provided in the form of loan restructuring to reduce the payment amount or extending the payment term.

In addition, our Lending Center team is standing by to help any member that may benefit from a personal loan or refinancing an auto loan from another lender. Our ability to cut your auto loan interest rate to as low as 1.99% APR, along with skipping payments for up to 90 days, can provide much needed help during this time.

We take our role seriously as your financial institution and in helping you and our community get through these uncertain times.

Thank you for being a valued MidSouth Community FCU member.

MEMBER RELEASE: March 18, 2020

MidSouth Community FCU Lobby Closed, Drive-Thru Open

First, let me assure you there has been no confirmed exposure to the COVID-19 (coronavirus) at MidSouth Community FCU. We take the well-being and safety of our members and team members very seriously and they are at the heart of every decision we make.

With the COVID-19 situation in Georgia quickly changing, we are temporarily adjusting our in-person services effective Saturday, March 21, 2020. On this date, all branch lobbies will be closed and accessible by appointment only for critical needs until further notice. We understand that this may cause an inconvenience; however, we are taking these precautions to stop the virus spreading to you and our community.

MidSouth Community will continue to serve members during regular business hours at the drive-thru, by phone, online, and by appointment only using [email protected] .

We pledge that you will have access to deposits and loans, and that your money is safe.

At this time, your cash needs can be handled by using our ATMs or drive-thru. We also encourage you to use our phone and online services to continue your day-to-day financial transactions:

  • Online Banking & Bill Pay
  • Mobile Banking with our mobile app
  • Call Center    478.471.9946
  • EZ Call, our 24/7 automated phone system    478.757.7985  |  1.866.878.5101
  • Lending Center   475.7819

Tips to Avoid Coronavirus Scammers

  • Don’t click on links from sources you don’t know. It could download a virus onto your computer or device. Make sure the anti-malware and anti-virus software on your computer is up to date.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. If you see ads touting prevention, treatment, or cure claims for the Coronavirus, ask yourself: if there’s been a medical breakthrough, would you be hearing about it for the first time through an ad or sales pitch?
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.
  • Be alert to “investment opportunities.” The S. Securities and Exchange Commission (SEC) is warning people about online promotions, including on social media, claiming that the products or services of publicly-traded companies can prevent, detect, or cure coronavirus and that the stock of these companies will dramatically increase in value as a result.

If you come across any suspicious claims, report them to the FTC at

We sincerely apologize for any inconvenience this may cause and we will continue to provide updates as needed.

Stay safe and healthy,

Roy Bibb, President/CEO

MEMBER RELEASE: March 16, 2020

The following branches are closed until further notice:

  • Hutchings College & Career Academy Branch | 1780 Anthony Road, Macon, GA 31204
  • Georgia College | MSU Branch | 231 W. Hancock Street, Milledgeville, GA 31061

MEMBER RELEASE: March 13, 2020

Dear Members,

As the coronavirus (COVID-19) continues to spread and raise concerns in Georgia and elsewhere, I want to share with you the actions MidSouth Community FCU is taking to protect you and our credit union community.

We are closely monitoring guidance from the Centers for Disease Control, the Georgia Department of Public Health, and local health officials for guidance to inform our decisions.

Some of the steps we are taking

• Increasing the frequency of cleaning and sanitizing our branches, operations center and main office.
• Informing our employees and encouraging them to keep themselves safe by frequently washing their hands and staying home if they are sick.
• Eliminating out-of-state business travel for our employees and non-essential visits from outside vendors who serve our credit union.

Please let us serve you

Our branches remain open for business. Our drive-thru windows and ATMs are open as well, and our call center and lending center remain staffed and ready to assist you.

Please remember that many of the services you depend on can be performed easily and securely through Home Banking, mobile banking, and by over the phone contact with our call center representatives, or with our automated phone banking system, EZ Call. Please call on us if you need assistance taking advantage of these convenient services.

As this situation evolves, we will communicate any future decisions that impact you or the services we provide on our website. We remain committed to serving you. Please know that your health and safety, along with your financial well-being, are our chief concerns.


Roy Bibb, President/CEO