Fall Newsletter 2025
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Less Stress, More JoyTackle the holidays with the card that works as hard as you do! The holidays are here, and with them comes the hustle and bustle of gift-giving, decorating, and celebrating. Make it all a little easier with a MidSouth Community VISA® Platinum credit card in your wallet! With competitive rates, no hidden fees, and reliable purchasing power, our VISA® credit card helps you check off your list without checking out of your budget.
Stay in control this season with less stress and more joy. Apply online and make every swipe count! 1 Annual Percentage Rate | Visa® applications are subject to credit approval. Certain terms & conditions apply. Variable Rate. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle, monthly to reflect any change in the Index and will be determined by the Prime Rate on the last business day of the quarter, preceding the billing cycle, of each year as published in The Wall Street Journal “Money Rates” table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index that is based on comparable information. The Minimum Payment Due is 3.00% of your total New Balance, or $25, whichever is greater, pay any amount past due and any amount by which you have exceeded your applicable credit limit. If your total New Balance is less than $25, then your Minimum Payment Due is the amount of the total New Balance. 2 The Visa® Platinum Rewards credit card has the ability to earn rewards. Equal Opportunity Lender. |
Make more memories with a holiday helper loan!An affordable personal loan from the credit union can help you deck the halls, fuel the festivities, and make more memories throughout the season. Borrow up to $1,500 Apply now or call 478.475.7819. *Annual Percentage Rate is based on a 12-month term. 12 monthly payments of $43.38 per $500 borrowed. All loans are subject to credit approval and our underwriting standards. Promotional offer is restricted to one Holiday Helper Loan per member at any given time. Apply by December 31, 2025 to receive special promotional rate. Terms, conditions, and membership requirements apply. For questions or complaints, please call 478.475.7819. Equal opportunity lender. |
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Rev up your ride!Fully loaded auto loans There’s no better time to upgrade your vehicle than this fall! Whether you’re hitting the road for leaf-peeping adventures or just ready for something new, we’re here to help with fully loaded auto loans designed to put you in the driver’s seat—fast. Enjoy:
Buying new, used, or refinancing? We’ve got you covered. Apply online or call 478.475.7819 and let us help you cruise into the season with savings. 1. Annual Percentage Rate | Promotional rate valid as of October 1, 2025 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. 2. 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. |
Simplify Your Holidays with Online Bill PayThe holiday season is one of the busiest times of the year, and if you’re planning to travel, the last thing you want to worry about is missing a payment. Online bill pay offers a simple, stress-free way to stay on top of your finances while you’re away. By setting up automatic or scheduled payments through the MidSouth Mobile app or online bill pay, you can ensure that essentials like utilities or subscriptions are paid on time. This helps you avoid late fees, protect your credit score, and keep your mind focused on enjoying your holiday plans. Online bill pay also gives you flexibility. Whether you’re visiting family or taking a winter getaway, you can log in from your phone or laptop to check your accounts, adjust payment dates, or confirm transactions—no mailing checks or worrying about postal delays. Before your trip, take a few minutes to review your upcoming bills, set up payments in advance, and double-check that your accounts are up to date. With that done, you can relax and travel with confidence knowing your financial responsibilities are already taken care of. |
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I Love My Credit Union DayWe enjoyed celebrating #ILovemyCreditUnion Day with our members on July 25th. Thank you to everyone who shared their MidSouth story with us!
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Johnny Appleseed WinnerCongratulations to 8 year old, Jarek Spillers, for being selected as our quarterly Johnny Appleseed Birthday Winner. Jarek received a $50 deposit into his Johnny Appleseed account. |
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Johnny Appleseed Member BirthdaysHave a birthday coming up? Be on the lookout for your very own Johnny Appleseed birthday postcard in the mail during your birth month, and you could be our next winner! |
Warm Wishes, Wise ChoicesThe holidays are full of magic, but they don’t have to be full of financial stress. Use these wise tips to grant warm wishes and stay financially fit: 1. Set a Holiday Budget – Decide how much you can realistically spend on gifts, travel, and events. Assign dollar amounts to each category and track your spending. 2. Shop Early and Look for Deals – Last-minute shopping leads to overspending. Start early to take advantage of sales, compare prices, and avoid express shipping fees. 3. Give Thoughtful, Not Expensive, Gifts – Homemade treats, framed photos, or handwritten letters often mean more than store-bought items and cost much less. 4. Use Your Credit Union’s Tools – Take advantage of our Holiday Club account, low-rate credit cards, or Skip-a-Payment options to manage costs and cash flow. 5. Don’t Forget Hidden Costs – Gift wrap, postage, party supplies, and travel expenses add up quickly. Include them in your budget. 6. Plan Ahead for Next Year – Set up a Holiday Club account now and save a little each month so you’re ready (and relaxed!) next season. |
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Stay Cyber-Safe This Holiday SeasonProtect Yourself While You Shop, Share, and Celebrate The holidays bring joy, generosity, and, unfortunately, an increase in online scams and fraud. As more people shop, travel, and donate online, cybercriminals are on the lookout for opportunities. Use these tips to stay protected: 1. Beware of Holiday Scams – Watch out for fake websites, suspicious charity emails, and “too good to be true” deals. Always verify sources before clicking. 2. Use Secure Payment Methods – When shopping online, use your credit union debit or credit card with fraud protection. Avoid using unsecured Wi-Fi to make purchases. 3. Monitor Your Accounts – Check your accounts regularly for unauthorized transactions. Set up alerts through online or mobile banking for added peace of mind. 4. Strengthen Your Passwords – Use strong, unique passwords for each account. Enable multi-factor authentication when available, especially on shopping and banking apps. 5. Be Wary of Holiday Phishing Emails – Phishing emails often look like delivery updates or holiday sales. Don’t click on links unless you’re sure the sender is legitimate. 6. Protect Your Accounts – Never share your online or mobile banking login credentials with anyone. The credit union will never ask for your debit or credit card number, PIN, or other sensitive information by phone or text. Official fraud alerts will never come from a local number and will only require a simple “Yes” or “No” reply. If you ever receive a suspicious call or text, hang up immediately and contact us directly to verify. Stay alert, shop smart, and protect your personal information so you can focus on what matters most this season. |
Happy Holidays from All of Us at MidSouth Community FCUAs the year comes to a close, the Board of Directors, Management, and Team at MidSouth Community FCU would like to extend our heartfelt thanks to you -our valued members. Your trust and loyalty mean everything to us, and we are truly grateful to serve you and our community. This season, we celebrate the spirit of cooperation, connection, and care that defines our credit union family. Wishing you and your loved ones a joyful holiday season and a happy, healthy New Year. We look forward to continuing to serve you in 2026 and beyond. |
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Holiday ClosingsColumbus Day – Monday, October 13, 2025 Veterans Day – Tuesday, November 11, 2025 Thanksgiving – Thursday, November 27, 2025 Christmas Eve – Closing at 1:00 pm Wednesday, December 24, 2025 Christmas Day – Thursday, December 25, 2025 New Year’s Eve – Closing at 1:00 pm Wednesday, December 31, 2025 New Year’s Day – Thursday, January 1, 2026 |