Savings Accounts
It Pays to Save With MidSouth Community Federal Credit Union.
With only a $5 deposit, you can unlock all MidSouth membership benefits, including access to our many savings opportunities.
Open an AccountShare Account
Our Share Account is the primary savings account you must open to become a MidSouth member. It only takes a $5 deposit to gain access to our many money-growing services and benefits.
Money Market Account
Our Money Market Account is a tiered savings account that allows members to earn competitive dividends.
Holiday Club Account
The Holiday Club Account is for any member wanting to jumpstart their holiday savings. Deposit as much as you want, as often as you want, throughout the year, and you will earn dividends on the money saved.
Johnny Appleseed Club Account
You’re never too young to start learning about money and saving. Our Johnny Appleseed Club Account is for children aged 12 and younger, teaching them how and why to save money in fun, age-appropriate ways.
Experience the Difference at MidSouth. Open a MidSouth Savings Account Today! Call 478-471-9946 or Schedule an Appointment to Get Started.
MidSouth Membership Means MORE
When you become a MidSouth member and begin taking advantage of any of our checking accounts, you also gain access to our valuable membership benefits.
Available MidSouth Member Services:
- Digital Banking Services
- eStatements
- Notary Services
- Night Deposits
- Payroll Deduction
- Direct Deposits
- Electronic Withdrawals (ACH)
- Automatic Transfers
- Coin Machine Access1
- Co-Op Shared Branch Services
1Coin machines are available exclusively at our Mercer, Milledgeville, Hartley Bridge, and Watson Locations.
Current Savings Rates
| Account Type | Minimum Balance to Open | Minimum Balance to Earn APY2 | Dividend Rate | APY1 |
|---|---|---|---|---|
| Share Savings | $5 | $200 – $999.99 $1,000 – $2,499.00 $2,500 – $5,999.99 $6,000 – $9,999.00 $10,000+ |
0.250% 0.250% 0.250% 0.250% 0.250% |
0.25% 0.25% 0.25% 0.25% 0.25% |
| Money Market | $2,000 | $2,000.00 – $9,999.99 $10,000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00+ |
0.598% 0.747% 0.995% 1.489% |
0.60% 0.75% 1.00% 1.50% |
| Holiday Club | $5 | $100 | 0.250% | 0.25% |
| Johnny Appleseed Club | $5 | $100 | 0.250% | 0.25% |
1APY – Annual Percentage Yield. The APY is accurate as of June 10, 2024. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account. There may be penalties imposed for early withdrawal.
2The balance required to obtain the APY is a daily balance. For all other accounts, the balance required is an average daily balance.
Digital Banking Services
Manage Your Savings Accounts From Anywhere
When you log in to your MidSouth account online or in the mobile app, you can easily:
- Check your balance
- Transfer funds
- Deposit checks
- Pay bills
- Locate MidSouth Locations
Financial Education
Stay on top of your financial health and wellness with industry news brought to you by the experts.
View All Articles
Additional Accounts and Services
Since 1936, MidSouth has remained dedicated to serving our communities, with a special nod to education and learning.
The Fine Print
MidSouth membership is available to anyone who lives, works, worships, or attends school in Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson County.
MidSouth Community Federal Credit Union requires a $5 initial deposit into a share savings account to establish membership. All members must keep a $5 balance in their savings account to maintain membership. Members must also demonstrate regular account activity to keep their account open and earn full voting rights and ownership. Once a member, always a member, as long as your account is still open and active. Should you close your account, your $5 deposit will be returned.