Experience more Joyrides!

You’re sure to experience more joyrides when you finance your next vehicle with us. From low rates to flexible terms, we make getting the loan as exciting as getting the car!

Rates as low as 4.74% ^APR*

PLUS, YOU’LL ENJOY NO PAYMENTS FOR 90 DAYS!**

Apply online or call 478.475.7819.

*Annual Percentage Rate | Promotional rate valid as of October 1, 2024 and is subject to change. Rate listed is our best rate (A+ credit) based on credit approval and our lending requirements. Actual rate will be based on applicant’s creditworthiness and other underwriting factors. Terms, conditions and membership requirements apply. All loans are subject to credit approval. Not valid with auto loans currently financed with MidSouth Community FCU. **Interest will continue to accrue and deferment of payment will extend the life of the loan. For questions or complaints, please call 478.475.7819. Equal Opportunity Lender.

Deck the Halls with a Holiday Helper Loan!

Make this holiday season brighter with an affordable personal loan.

Borrow up to $1,500
Promo rate 7.90%^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, 2024 to receive special promotional rate. Terms, conditions, and membership requirements apply. For questions or complaints, please call 478.475.7819. Equal Opportunity Lender.

Pack up a great mortgage rate and move into your new home today!

Thinking about your next move? Whether expanding your space to make room for your family, or downsizing for a new chapter in life, we have a variety of competitive home loan solutions designed to accommodate your budget and lifestyle.

Primary Residence Home Loan* Options:

• Conventional
• FHA
• USDA
• VA
• ARM

Visit ourmortgageteam.org to learn more about your loan options so you can pack up a great rate and move into your new home right away!

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

NMLS #645585

NMLS #402169

Time to stuff the stockings!

It’s that time again. Time to stuff the stockings with the one gift that will please anyone on your list… a VISA® gift card!

VISA® Gift Cards*
Available in amounts $10 – $1,000

Gift your friends and family members with the ability to pick out what they really want this holiday season. Stop by any branch to pick up your stocking stuffers today!

*Purchase fees apply. See credit union for details.

TRU Coverage, TRU Savings

As the end of the year approaches and you begin reevaluating your finances ahead of 2025, consider reviewing your insurance coverage and making the switch to Liberty Mutual Insurance made available through the TruStage™ Auto and Home Insurance Program! As a credit union member, you can access affordable insurance coverage.

Besides competitive rates, this program offers members customized insurance, reliable service, and optional 24-hour roadside assistance from a dedicated team at Liberty Mutual.

Join the 37 million other consumers protected by TruStage™. Visit trustage.com to request your free, no-obligation quote today to see if you can save some money!

Special Notice to Members (BOD Elections)

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

Harold Tessendorf
Harry Trawick
Jeanette Lamar

All have been contacted and have agreed to serve.

Board Nominating Committee:

Brannon Hicks
Dr. Brenda Davis
Dr. 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 430 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 14, 2024. 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.

International Credit Union Day (ICU) Day® Coloring Contest

On Thursday, October 17, 2024, credit union members around the world will celebrate International Credit Union (ICU) Day®, an annual event to commemorate the credit union movement’s impact and achievements. This year marks the 76th anniversary of this annual event, which will be celebrated under the theme of “One World Through Cooperative Finance”.

In honor of this special day, MidSouth Community is hosting a coloring contest for kids 12 and under. Members can either pickup a coloring sheet at any branch, or download the coloring sheet online. To enter the contest, both the completed coloring sheet and entry form must be turned in at one of our branch locations by the end of the day on Thursday, October 17th. There will be a total of five winners. One winner* from each age group will receive a $20 deposit into their Johnny Appleseed savings account.

Coloring Contest Age Groups:

• Infant – 4 years old
• 5 – 6 years old
• 7 – 8 years old
• 9 – 10 years old
• 11 – 12 years old

*Must be a MidSouth Community FCU member to participate. One entry per child. View blog post for full details.

Looking for a job? Make sure your credit report is in check!

Many employers will check the credit reports of job applicants to look for indicators of responsibility, reasoning that someone who pays his or her bills on time is more likely to show up to work and finish projects on time. If your report has blemishes, use these tips to clean up your report.

• Pay on time: If you’ve made credit missteps in the past (bankruptcy, late payments, etc.), try to course correct by establishing a positive payment history in the future. Most negative data remains on your report for 7 years, but the past 2 years carry the most weight.
• Lower your debt: If you have high balances on credit cards and personal loans, find ways to lower your interest rates and free up cash to make more than the minimum payments. Try not to take on more debt in the future.
• Keep your old accounts: A long credit history with the same accounts indicates stability.
• Avoid excess credit applications: If you apply for credit frequently, it may be seen as a sign that you need to rely on credit to pay your bills.
• Correct errors: Review your reports and if you spot errors, contact the relevant credit bureau and ask them to fix it.

Don’t know what’s on your report?
You can get a free copy of your credit report once a year from each of the three credit bureaus, Equifax, Experian, and TransUnion by visiting www.annualcreditreport.com.

3 Tips for Safer Online Shopping

The holiday season is a prime time for hackers, scammers, and online thieves. While millions of Americans will be online looking for the best gifts and deals, hackers will be looking to take advantage of unsuspecting shoppers by searching for weaknesses in their devices or internet connections or attempting to extract personal and financial information through fake websites or charities. Use these tips to keep your information and devices safe.

1. Check your devices – Make sure the device you’re using to shop online is up-to-date, your accounts have strong passwords and that multifactor authentication is enabled where available.

2. Only shop trusted sources – Be careful how you’re searching online to find deals. Do not click on random email links or ads on webpages. Instead, type in the safe URLs of retailers you know are legitimate. If it looks suspicious, something’s probably not right.

3. Use safe purchasing methods – If you’re going to make that purchase, what information are you handing over? Before providing personal or financial information, check the website’s privacy policy. Make sure you understand how your information will be stored and used.

Back to School Bash – Bibb & Baldwin

Both the Baldwin County and Bibb County school districts hosted their annual Back-to-School events in July. Families received school uniform shirts, backpacks, and school supplies, as well as community and District resources. In addition to being a sponsor, MidSouth Community staff also volunteered at the events.

#ILoveMyCreditUnion

We enjoyed celebrating #ILovemyCreditUnion Day with our members and staff on July 26th!

Johnny Appleseed Winner

Congratulations to 8 year old, Jeremiah Reid, for being selected as our quarterly Johnny Appleseed Birthday Winner. Jeremiah received a $50 deposit into his Johnny Appleseed account.

Holiday Closings

Columbus Day: Monday, October 14, 2024

Veterans Day: Monday, November 11, 2024

Thanksgiving: Thursday, November 28, 2024

Christmas Eve: Closing at 1:00 pm Tuesday, December 24, 2024

Christmas: Wednesday, December 25, 2024

New Year’s Eve: Closing at 1:00 pm Tuesday, December 31, 2024

New Year’s Day: Wednesday, January 1, 2025