Savings

Share Account

To become a member-owner of MidSouth Community Federal Credit Union, an initial share deposit easily establishes your membership. All members must maintain a $5 balance in their savings account to remain a member, and demonstrate regular activity in their account to keep it open and receive full voting rights and ownership. MidSouth Community offers lifetime membership; once a member, always a member, as long as your account is not closed.

Account Features:

  • $5 minimum to open
  • Earn dividends quarterly on average daily balance of $200 or more
  • Unlimited withdrawals at any MidSouth Community branch location

Member Services Available:

  • Online Home Banking
  • eStatements
  • EZ Call
  • Mobile & Text Banking
  • Notary Service
  • Night Deposit
  • Payroll Deduction
  • Direct Deposit
  • ACH
  • Automatic Transfers
  • Coin Machine (exclusively at our Mercer, Milledgeville, Hartley Bridge & Watson locations)
  • CO-OP Shared Branch access

 


Helpful Loan Calculators

These calculators are intended for informational purposes only. The rates and amounts reflected in the calculations are not a substitute for other qualifications that are required for loans.

Calculate how you can grow your savings account.

Money Market

Our Money Market account is a tiered account that allows members to earn competitive dividends and allows access to withdrawal funds up to 6 times per month. Dividends are compounded daily and paid monthly.

Account Features:

  • $2,000 minimum to open
  • Check writing privileges

Member Services Available:

  • Online Home Banking
  • eStatements
  • EZ Call
  • Mobile & Text Banking
  • Notary Service
  • Night Deposit
  • Payroll Deduction
  • Direct Deposit
  • ACH
  • Automatic Transfers
  • Coin Machine (exclusively at our Mercer, Milledgeville, Hartley Bridge & Watson locations)
  • CO-OP Shared Branch access

Holiday Club

It’s never too early to start planning for Christmas expenses! Opening a Holiday Club account helps you save for that special time of year. Deposit any amount that you want, as often as you want, and your balance will earn dividends. Withdrawals can be made from your Holiday Club account between November 1 – December 31 each year. Refer to fee schedule for penalties imposed for early withdrawal.

Account Features:

  • $5 minimum to open
  • Earns dividends annually at maturity on average daily balance of $100 or more

Member Services Available:

  • Online Home Banking
  • eStatements
  • EZ Call
  • Mobile & Text Banking
  • Notary Service
  • Night Deposit
  • Payroll Deduction
  • Direct Deposit
  • ACH
  • Automatic Transfers
  • Coin Machine (exclusively at our Mercer, Milledgeville, Hartley Bridge & Watson locations)
  • CO-OP Shared Branch access

Youth Accounts

Johnny Appleseed Club

The Johnny Appleseed Jr. Ecology Club savings account is a program designed especially for our young savers ages 12 and under. The program is designed to teach children about saving money, while combining ecology and environmental information to make learning fun.

Account Features:

  • $5 minimum to open
  • Earns dividends quarterly on average daily balance of $100 or more
  • No minimum balance
  • No monthly service fee
  • Upon enrolling, your child receives a colorful Johnny Appleseed calendar for the current year, which includes a dime-saver apple bank, an official Johnny Appleseed membership card, and three activity pages. Your child will also receive a custom MidSouth Apple Bank and a savings account passbook.
  • Members will receive a card on their birthday from Johnny Appleseed. When members bring their birthday card, along with a minimum $5.00* deposit into any MidSouth Community location, they will be entered into a drawing for a chance to win $50.00**!

*Johnny Appleseed accounts with direct deposit can turn their birthday card into any MidSouth location to be eligible for the prize drawing. **The $50.00 prize will be deposited into the winner’s Johnny Appleseed account. A winner will be drawn at random each quarter. A total of 4 members will be chosen annually.

Member Services Available:

  • Share Certificates with various terms starting with a $500 minimum deposit
  • Online Home Banking
  • eStatements
  • EZ Call
  • Mobile & Text Banking
  • Notary Service
  • Night Deposit
  • Payroll Deduction
  • Direct Deposit
  • ACH
  • Automatic Transfers
  • Free Coin Machine use (exclusively at our Mercer, Milledgeville, Hartley Bridge & Watson locations)
  • CO-OP Shared Branch access

Teen Advantage

This savings account is designed specifically for teens ages 13-17.  This program focuses on money management skills and teaching financial responsibility to the youth of MidSouth Community.

Account Features:

  • $5 minimum to open
  • Earns dividends quarterly on average daily balance of $100 or more
  • No minimum balance
  • No monthly service fee
  • Up to 3 withdrawals per month

Member Services Available:

  • Share Certificates with various terms starting with a $500 minimum deposit
  • Online Home Banking
  • eStatements
  • EZ Call
  • Mobile & Text Banking
  • Notary Service
  • Night Deposit
  • Payroll Deduction
  • Direct Deposit
  • ACH
  • Automatic Transfers
  • Free Coin Machine use (exclusively at our Mercer, Milledgeville, Hartley Bridge & Watson locations)
  • CO-OP Shared Branch access

Savings Rates

Annual Percentage Yield is accurate as of August 1, 2016. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account. Refer to fee schedule for penalties imposed for early withdrawal.

*The balance required to obtain the APY is a daily balance. For all other accounts, the balance required is an average daily balance.