Fall Newsletter 2026
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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.
Apply online or call 478.475.7819 to make your holiday plans a little easier. 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. |
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Keep the Holidays Festive, and the Fraud on Ice!The holidays bring more shopping, and more opportunities for fraud. Digital wallets and card controls² 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:
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 ListsFrom 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:
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. |
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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 FOR 90 DAYS! Our auto loan refinance process is built to make the process easy, transparent, and designed around your financial goals.
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. |
Shred Day: Protect Your Information & Clear the ClutterSecurely disposing of old documents is one of the easiest ways to protect your personal information. Shredding outdated statements, bills, and paperwork helps reduce identity theft risks and keeps unnecessary clutter out of your home. Bring your shred items to Shred Day and you’ll be entered for a chance to win a $90 Visa® gift card!
Want an Extra Entry? Sign up for eStatements by November 14, 2026, and you’ll earn an additional entry into the $90 Visa® gift card drawing. How to Enroll in eStatements
That’s it! Enjoy a more secure, convenient way to manage your account information while reducing paper clutter. |
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Before the Year Closes, Your New Home Could, Too!If buying a home is still on your 2026 list, don’t wait for spring to restart your search. With more homes entering the market and sales activity moving at a more measured pace, this fall may bring opportunities for buyers who are prepared to act. Sellers hoping to close before year-end may also be more open to negotiating on price, repairs, or closing costs. Our trusted partners, Our Mortgage Team, can help you understand your budget, explore available loan options7 and shop with greater confidence. Make your move before the calendar turns. Learn more online, or call 800.503.6855 to speak with a Licensed Mortgage Advisor. 7 All credit union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.
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Board NominationsThe Board Nominating Committee is now accepting nominations for consideration to fill board seats at our next annual meeting. For the volunteer application and more information on the process, visit our website. The application must be filed with the MidSouth Community FCU Board Secretary by October 31, 2026. |
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MidSouth Community Federal Credit Union BylawsIn order to modernize and update our governing documents, the Board of Directors has adopted revised Bylaws effective October 1, 2026. Click here to access the updated Bylaws. |
United Way Workplace Campaign: Celebrating Community ImpactThis year’s United Way Workplace Campaign reflects the heart of our mission: serving and supporting the communities we call home. Together, our team raised $40,814.25, demonstrating the impact we can make when we unite around a shared purpose. Our partnership with United Way of Central Georgia strengthens local programs that provide essential resources, expand opportunities, and support families across Middle Georgia. Every contribution helps build a stronger, more resilient community. Thank you to every employee who participated. Your generosity continues to move our mission forward and reinforces the difference we can make when we work together. |
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Johnny Appleseed WinnerJoin us in congratulating 3-year-old Christian Gainey, our quarterly Johnny Appleseed Birthday Winner! Christian was awarded a $50 deposit into his Johnny Appleseed account. |
Shop, Click, and Stay Alert!Peak shopping season also brings an increase in suspicious emails, fake websites, and unauthorized card activity. Before you begin checking off your gift list, take a few minutes to strengthen your defenses. Turn on purchase alerts through the MidSouth Mobile app or online banking to receive notifications when your card is used. Alerts can help you spot unfamiliar transactions quickly and take action before additional purchases occur. Remember to shop through trusted websites, avoid clicking unexpected delivery or payment links and never provide account information in response to an unsolicited message. If a purchase alert looks unfamiliar, lock your card if that feature is available and contact us immediately. A few proactive steps can help keep holiday surprises where they belong—under the tree. |
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Start 2027 with Your Finances in Focus!Before the calendar turns, give your finances a year-end checkup. A quick review can help you recognize your progress, identify opportunities, and begin 2027 with a clearer plan. Consider reviewing:
You don’t have to tackle everything at once. Choose one or two priorities, set realistic goals, and consider using automatic transfers to make saving more consistent. Need help deciding where to begin? Schedule your FREE Financial Check-up today and start the new year with a plan built around you. To schedule, select Other Financial Needs, then choose Financial Check-up. |
Our Members Make the Season BrightAs another year comes to a close, the Board of Directors, Management, and the MidSouth Community Federal Credit Union team are counting our greatest blessings, and our members are at the top of the list. Thank you for choosing us, trusting us, and allowing us to be part of your financial journey. Your membership is the gift that continues to strengthen our credit union and the communities we serve. This year has been especially meaningful as we celebrate 90 years of serving our members. We are grateful to everyone who has joined us for our monthly anniversary celebrations throughout the year. Your enthusiasm, stories, and support have made this milestone even more memorable, and we look forward to celebrating with many more of you in the months ahead. As we turn the calendar to 2027, we look forward to a year filled with new opportunities, shared success, and continued growth together. May your holidays be merry, your New Year be bright, and the year ahead be filled with happiness, good health, and prosperity. Warmest wishes, |
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Holiday ClosingsColumbus Day – Monday, October 12, 2026 |