Fall Newsletter 2026

Wrapped in Holiday Cheer!

From gifts and travel to festive meals and family traditions, holiday expenses can add up quickly. Our Holiday Helper Loan can help you cover seasonal costs while keeping your everyday budget on track.

We offer:

• Borrow up to $1,500
• Special promo rate of 7.50% APR¹
• Terms up to 12 months

1 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 limited to one Holiday Helper Loan per member at any given time. Apply by December 31, 2026 to receive special promotional rate. Terms, conditions, and membership requirements apply. For questions or complaints, please call 478.471.9946. Equal opportunity lender.

Keep the Holidays Festive, and the Fraud on Ice!

Digital wallets and card controls² can add convenient layers of protection whether you’re shopping
online or in stores.

The holidays bring more shopping, and more opportunities for fraud. Digital wallets and card controls can
add convenient layers of protection whether you’re shopping online or at the store.

A digital wallet stores a digital version of your card on a compatible device. Instead of sharing your actual
card number during a purchase, many wallets use a unique transaction code, helping protect your
payment information. Device security features such as a passcode, fingerprint or facial recognition can
provide additional protection.

Card controls available through the MidSouth Mobile app may also allow you to:

• Temporarily turn a misplaced card off and back on when it is found
• Set purchase or transaction limits
• Control where or how your card can be used
• Receive real-time transaction alerts
• Report a card lost or stolen

Before holiday shopping begins, add eligible cards to your preferred digital wallet and review the card control features available in your mobile app. A few quick updates now can help you shop with greater confidence throughout the holiday season.

2 Digital wallet and card control availability and features may vary by card, device, and service provider.

Turn Wish Lists into Checked Lists

From thoughtful gifts and festive gatherings to holiday travel, seasonal expenses can add up quickly. A
MidSouth VISA® credit card gives you a convenient, secure way to make purchases
while keeping everything organized in one place.

Enjoy card features that work for you throughout the season:

• Competitive rates as low as 12.40% APR³
• No annual fee
• No balance transfer fee
• No cash advance fee
• Convenient and secure purchasing
• Rewards on eligible purchases⁴
• Flexible spending for celebrations, travel, and gifts

Check off your holiday list with confidence. Apply today and keep a trusted card at the top of your wallet.

3 Annual Percentage Rate | Visa® credit card 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, play 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. 4 The Visa® Platinum Rewards credit card has the ability to earn rewards. For questions or complaints, please call 478.471.9946. Equal Opportunity Lender.

Refinance Your Auto Loan and FALL Into A Great Rate!

If your current auto loan feels too expensive or too inflexible, now is the perfect time to take control. Refinancing it with MidSouth Community FCU can help you lower your costs, simplify your budget, and enjoy something big – NO PAYMENTS UNTIL 2027!

Our auto loan refinance process is built to make the process easy, transparent, and designed around your financial goals.

• Lower your monthly payment to keep more money available for the things that matter
• A better rate⁵ that reduces interest costs over the life of your loan
• No payments for 90 days⁶ so you can enjoy real breathing room as you close out the year
• A fast, stress free process handled directly through MidSouth without dealership pressure
• Member focused support from a credit union that puts your needs first

Apply online or call 478.475.7819 and head into the new year with a deal you can feel good about!

5 APR = Annual Percentage Rate | Rates as low as 3.75% APR for up to 60 months valid as of October 1, 2026 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. 6 Interest will continue to accrue and deferment of payment will extend the life of the loan. For questions or complaints, please call 478.471.9946. Equal opportunity lender.

Want to Improve Your Credit Score? Start with These Tips!

Improving your credit doesn’t require big moves, just consistent ones over time. Small habits can make a big impact on your financial future, helping you qualify for better rates, loans, and opportunities down the road.

Start building stronger credit with these simple steps:

• Pay bills on time
• Keep balances low
• Limit new credit applications
• Review your credit report regularly

The key is consistency. Stay on track, and you’ll build momentum, because small steps today can open bigger doors tomorrow.

AI-Powered Scams Are Getting Smarter

Scammers are now using artificial intelligence (AI) to create highly convincing messages, including realistic voices, emails, and even video deepfakes that appear to come from people you trust.

What to watch for
AI-powered scams can take many forms, including:

• Phone calls that sound like your credit union, employer, or even a family member
• Voice messages or videos that appear real but are actually manipulated (deepfakes)
• Highly personalized emails that use your name, recent activity, or familiar details

Why it matters
In the past, scams were easier to spot. Today, that’s no longer the case. These messages can sound and look authentic, making it harder to rely on instinct alone. If something feels urgent or unusual, it’s worth taking a second look.

Protect yourself:

• Don’t act on urgency, pause before responding
• Never share passwords, PINs, or verification codes
• Verify requests by contacting the person or organization directly using a trusted number
• Be cautious of unexpected messages, even if they seem familiar

As scams evolve, awareness is your best defense. When in doubt, slow down and verify because even the most convincing message may not be what it seems.

REMEMBER!
Your credit union will never ask for sensitive information like passwords, PINs, or full account details through unexpected calls, texts, or emails. If something doesn’t feel right, pause before you respond. Verify the request by contacting your credit union directly using a trusted phone number or website.

Time for a Mid-Year Financial Check-up

The halfway point of the year is the perfect time to pause, review, and reset your financial plan. A quick check-in now can help you stay on track or make smart adjustments before year-end.

Here are five simple ways to give your finances a mid-year refresh:

1. Revisit Your Budget
   Take a look at your spending so far and adjust where needed. Have any life changes—like a new job, growing family, or major purchase—shifted your priorities? Make sure your budget reflects your current reality.
2. Check Your Credit Score
   Review your credit to ensure everything looks accurate. It’s also a smart way to catch signs of fraud early and stay prepared for any future borrowing needs.
3. Review Your Investments
   Evaluate how your investments are performing and whether they still align with your long-term goals. This is a great time to consider increasing contributions, especially toward retirement.
4. Adjust Your Tax Withholding
   Check your current withholdings to avoid surprises later. The goal: not owing a large amount or overpaying and missing out on money you could be using now.
5. Tackle Your Debt
   List out your balances and focus on paying down high-interest debt first, while continuing to make minimum payments on the rest. A clear plan can help you make steady progress toward becoming debt-free.

A mid-year checkup doesn’t have to take long, but it can make a big difference. Small adjustments today can set you up for a stronger finish to the year.

We also offer in-person Financial Check-ups as a member benefit. Schedule yours today. To schedule, select Other Financial Needs, then choose Financial Check-up.

Congratulations to the 2026 Scholarship Recipients

MidSouth Community Federal Credit Union is proud to announce the recipients of the 2026 Tom Bentley Memorial Scholarship program.

Na’Liyah Merritt, of Macon, has been awarded a $2,000 High School Scholarship. A 2026 graduate of Howard High School, Na’Liyah will attend North Carolina A&T State University this fall with a focus on animal science.

Zachary Johnson, of Bonaire, has been awarded a $2,000 High School Scholarship. A 2026 graduate of Warner Robins High School, Zachary will attend Tuskegee University this fall with a focus on animal science.

Hannah Smith, of Macon, has been awarded a $2,000 Continuing Education Scholarship. A 2024 graduate of Mount de Sales Academy, Hannah will attend Augusta University this fall with a focus on nursing.

This year’s Scholarship Committee was comprised of Beth Byers, Senior Development Officer at Gordon State College; and Tonya McClure, Assistant Vice President for Advancement at CGTC.

90th Anniversary Parties

Throughout the year, we’re celebrating our 90th anniversary with a special member appreciation party at each branch. These celebrations are our way of saying thank you to the members who make our credit union community so special. We invite you to stop by and connect with our team members. Visit us online to find out when we’ll be celebrating at YOUR branch next!

Habitat for Humanity Women Build

We were proud to celebrate Habitat for Humanity’s 40th anniversary by participating in Women Build Days this spring. These inspiring days brought our team members together to support one another, strengthen our community, and help build safe, affordable homes for local families—creating something bigger than ourselves along the way.

Traveling soon?

Setting a travel notice within online banking is quick and easy, so your card works smoothly wherever you go. No calls, no hassle, just a few taps and you’re all set. Our on-the-go digital banking services are designed to keep up with you, whether you’re across the state or across the country.

Follow these steps to set your travel notice within the MidSouth Mobile app:

• Step 1 – Log in to your mobile app account.
• Step 2 – Select the 3 dots in the bottom right corner and click “Accounts”.
• Step 3 – Select “Card Management” from the submenu that appears.
• Step 4 – Scroll to the bottom of the screen under the card you want to manage and select “Travel Notices”.
• Step 5 – Follow the prompts to “Add New Travel Notice”, adding the dates you will be traveling and selecting whether your destination is “domestic” or “international”.

Follow these steps to set your travel notice within online banking:

• Step 1 – Log in to your online account.
• Step 2 – Under the “Accounts” menu, select “Card Management”.
• Step 3 – Hover over the image of the card you plan to use for purchases during your trip, then select “Manage Card”.
• Step 4 – Select “Travel Notices” below the card image.
• Step 5 – Follow the prompts to “Add New Travel Notice”, adding the dates you will be traveling and selecting whether your destination is “domestic” or “international”.

Johnny Appleseed Winner

Join us in congratulating 10-year-old Kristina Johnson, our quarterly Johnny Appleseed Birthday Winner! Kristina was awarded a $50 deposit into her Johnny Appleseed account.

Holiday Closings

Independence Day: Friday, July 3, 2026 & Saturday, July 4, 2026
Labor Day: Monday, September 7, 2026