Fall Newsletter 2023

Do you believe?
The perfect holiday loan does exist!

Holiday Helper Loan

Borrow up to $1,000
Promo rate 6.90% APR*
Limited time offer.

Apply online or call 478.475.7819.

*Annual Percentage Rate based on a 12-month term. All loans subject to credit approval and our underwriting standards. Apply by December 31, 2023 to receive special promotional rate. Terms, conditions, and membership requirements apply. Equal Opportunity Lender.


Ready, Set, Shop!

VISA® Platinum Rewards Card
2X Rewards points on purchases
made 11/15/23 – 12/31/23

Need to apply for your VISA® Platinum Rewards Card?
Ready. Set. Go online or call 478.475.7819!

Limited time offer. Earn 2 points per dollar on all net qualifying purchase transactions made between November 15, 2023 and December 31, 2023 (purchases less credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Member rewards can be viewed within online banking or the MidSouth Mobile app. New Visa® Platinum Rewards cards are subject to credit approval and underwriting standards. Terms, conditions, and membership requirements apply. Equal Opportunity Lender.


Busy Season Calls for Easy Banking

The holiday season whirlwind is upon us. From decorating, baking and shopping, to seasonal travel and preparing for a new year, there is so much to do. This busy season calls for easy banking and it doesn’t get much easier than our digital banking solutions. Access your credit union accounts 24/7 from your mobile device or PC.

First, enroll in online banking. Then download our app from the Apple App store® or Google Play to access your accounts on your mobile device. You’ll be able to:

  • View account transaction history
  • Schedule one-time or recurring bills
  • Transfer funds between accounts
  • Deposit checks in a snap
  • Manage your debit and credit cards
  • Link your non-MidSouth Community accounts & more!

Tackle the busy season with our easy banking tools. Visit www.midsouthfcu.org/eservices to learn more and get started.

Google Play Apple Play

You Focus on the Home,
CUFS Will Focus on the Loan.

If you’re in the market for a new home, you’ll want to get pre-approved for your mortgage* so you’ll be ready to buy as soon as you find the home you want. Let the Licensed Mortgage Advisors at CUFS help you find the loan that’s best for your unique situation.

A pre-approval helps you:

  • Set a budget before you start shopping
  • Act fast and make a competitive offer
  • Stand out above the crowd

Visit cufs.org or call 800.503.6855 for more information.

*All loans subject to credit approval. Terms and conditions may apply.

MidSouth NMLS #402169
CUFS NMLS #645585

Equal Housing Lending

End-of-Year Money Moves

As we approach the end of 2023, there are some key money moves you can make to finish the year strong and set yourself up for financial success in the new year.

1. Review your budget and savings progress against your 2023 goals and set new goals for 2024 accordingly.

2. Check your progress on paying down debt and increase as you can. The less debt you carry into the New Year, the better!

3. Contribute anything you can to your 401k or IRA before December 31st.

4. Review your asset allocation and rebalance your portfolio as needed.

5. Review your beneficiaries and will to ensure information is accurate and up to date.

6. Complete your open enrollment and select your employer benefits for 2024.

7. Get a free copy of your credit report and review for accuracy. You can visit www.annualcreditreport.com to get started.

8. Review your credit card benefits and reward offers and shop new balance transfer offers to see if you can save money.

9. Review your insurance policies and get comparison quotes. If you can save, make the switch!

10. Review all subscriptions and monthly services and eliminate extraneous expenses.


How is Your Financial Health?

In the hustle and bustle of everyday life, it’s easy to let financial matters take a back seat. But just like regular health check-ups, your financial health deserves attention, too. If you’re unsure about your financial future and don’t know where to start, scheduling a Financial Check-up with MidSouth Community is a step toward securing your future financial well-being.

Think of a Financial Check-up as a periodic appointment to review your finances with a trusted advisor. Together, we’ll work together to help you meet your goals for today and beyond.

Keep your financial health in tip-top shape. Schedule your Financial Check-up today!


Back-to-School Bash

The Bibb County School District’s PBIS Program hosted its 2023 Back-to-School Bash at the Ed Defore Sports Complex in July. Over 1,900 people were served by 365 volunteers. Families received school uniform shirts, backpacks, and school supplies, as well as community and District resources. In addition to being a sponsor of this year’s Bash, MidSouth Community staff also volunteered at the event.


Special Notice to Members (BOD Elections)

The Board Nominating Committee of MidSouth Community Federal Credit Union presents the following slate of incumbents to serve a three-year term as Directors of MidSouth Community FCU:

Brenda Davis
Cecil Ethridge, Jr.
Lawrence Mink

Nominated to serve the unexpired 1-year term for Joseph Bullard:

Harold Tessendorf

All have been contacted and have agreed to serve.

Board Nominating Committee:
Harry Trawick
Jeanette Lamar
Jerri Hall

Nominations may be made by petitions submitted by members. Members who desire to name a nominee, or nominees, for a vacancy should prepare and submit a petition in accordance with the following procedures:

  • Petition must be signed by 427 current members of MidSouth Community FCU.
  • Petition must be accompanied by a completed Volunteer Application as indication that the person is agreeable to nomination and will serve if elected to office.
  • The nominee must state his/her willingness to attend Board meetings and devote such time as is needed to fulfill this obligation.
  • Petition must be filed with the Board Secretary of MidSouth Community FCU by November 9, 2023. Petitions may be mailed to the following address:
    MidSouth Community Federal Credit Union
    ATTN: Board Nominating Committee
    4810 Mercer University Drive
    Macon, GA 31210
  • Only members 18 years of age or older can be nominated for the Board and are eligible to vote.

The election of Board of Directors takes place in February at our Annual Meeting.


5 Holiday Related Scams to Watch Out For

‘Tis the season for shopping and therefore, financial scams too. Review these top holiday scams to keep your funds and identity safe!

1. Fake Websites – These websites usually impersonate a legitimate website or company, in an attempt to get you to enter your personal information or financial details. To spot a fake while shopping online, look for typos and grammatical errors, generic email addresses, unsecure payment methods, etc.

2. Online Shopping Fraud – This occurs when a person pretends to be a legitimate online retailer and attempts to collect payment for merchandise that they never deliver. Only shop from legitimate retailers you trust and always make sure the site URL and payment methods are secure.

3. Delivery Scams – You may get an email or text message saying that your package has been delivered, but when you check, it’s nowhere to be found. If you’re expecting a package, make sure you know who the sender is, and that the tracking information is legitimate.

4. Financial Institution Scams – Scammers may try to trick you into giving them your information by posing as a representative from your financial institution. If you receive an unsolicited email or text message, contact your financial institution directly using a phone number or website address you know to be legitimate.

5. Travel Scams – Someone may list a vacation rental online, usually at a significantly discounted rate. Once you’ve sent them money for the rental, they disappear, and you’re left without a place to stay. Only book with legitimate, reputable travel companies.



We enjoyed celebrating #ILoveMyCreditUnion Day with our members and staff on July 28th! Thank you to everyone who came by to enjoy a free frozen treat at three of our branch locations.

Check out our Facebook page for additional photos.


Johnny Appleseed Winner

Congratulations to 12 year old, Camron Jones, for being selected as our quarterly Johnny Appleseed Birthday Winner. Camron received a $50 deposit into his Johnny Appleseed account.

Holiday Closings

Columbus Day: Monday, October 9, 2023

Veterans Day Observed: Friday, November 10, 2023

Veterans Day: Saturday, November 11, 2023

Thanksgiving Day: Thursday, November 23, 2023

Christmas Day: Monday, December 25, 2023

New Year’s Day: Monday, January 1, 2024