Spring Newsletter 2025
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Hit the brakes for great rates!Looking for a new car? You’ll want to pump the brakes for our unbeatable auto loan rates! We offer great financing options on both new and used vehicles. Plus, get pre-approved before you shop, so you know exactly how much you can afford. Rates as low as Terms up to Apply today and drive away with confidence! *Annual Percentage Rate | All loans subject to credit approval and rates are subject to change without notice. Terms and conditions apply. Equal Opportunity Lender. |
We have a scholarship opportunity for you!Are you or a family member graduating from high school this spring, or currently enrolled in college? Don’t miss the chance to apply for the Tom Bentley Memorial Scholarship to help with higher education expenses.* Available Scholarships:
Deadline: Completed applications and supporting scholarship documentation must be received by the credit union by Friday, April 25, 2025. Applications can be downloaded online. *Member restrictions apply. |
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Join us for a FREE Shred Day this Earth Day!Tuesday, April 22, 2025 Safeguard your personal information by safely disposing of your confidential documents at our FREE shred event. A shred truck will be on site to safely destroy items such as tax documents, bank statements, bills, receipts, medical records, and junk mail. This free service is open to anyone. The first 30 vehicles to drop off documents for shredding will receive a MidSouth swag bag and flower seed packet, while supplies last! (Limit one swag bag per household.) |
Your account information – simple, secure & accessible with eStatements!Keep your credit union account information at your fingertips by enrolling in eStatements. You’ll have your financial statements archived in your online banking for easy retrieval, review, and download whenever you need it. Ready to get started? Log into online banking, select Accounts, then eStatements, and subscribe to receive electronic statements. It’s that easy! |
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Spring into savings with a MidSouth Community VISA® Platinum card!Fed up with high interest rates on your current credit card? It’s time to check out our Visa® Platinum credit card! We offer higher credit limits and lower interest rates than other financial institutions, helping you save more. Transfer your high-interest balance from another financial institution to a MidSouth Community VISA® card and start saving today!
Spring into savings and apply for your credit card today! *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, 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. **The Visa® Platinum Rewards credit card has the ability to earn rewards. Equal Opportunity Lender. |
Remodel. Consolidate debt. Take a vacation. Pay tuition.Whatever the big expense you have facing you this year, you can use the equity you’ve built up in your home to fund it.
Use your home’s equity to fund your large expenses this year. To apply, please contact or visit a branch location near you. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms and conditions are subject to change without notice. Membership requirements apply. *Annual Percentage Rate | Introductory rate as low as 4.99% APR is fixed for the first six (6) months. Applicable rates apply after the introductory period. Rates listed are our best rates based on credit approval and our lending requirements. Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Annual Percentage Rate as low as Prime + 0%. Rates are variable and based on Prime as published in The Wall Street Journal, with a ceiling of 18.00%. The current variable APR as of December 19, 2024 is 7.50%.**If loan is closed within first 24 months, borrower will reimburse the credit union for closing costs. Minimum $10,000 initial advance. Property must be primary residence and located in the state of Georgia. Neither modular, nor mobile homes are eligible. Equal Opportunity Lender.
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Managing your tax records after you have filedWondering what to do with the documents you used to prepare your return after you’ve filed? You’ll want to hang on to anything that may have an impact on your federal tax return such as bills, credit card and other receipts; invoices; mileage logs; canceled, imaged or substitute checks; proof of payments; and any other records to support deductions or credits you claim on your return. You should keep these records for three years. Documents related to a home purchase, stock transaction, IRA, business, or rental properties should be kept longer. You should also keep copies of your tax returns as part of your tax records. They can help you prepare future tax returns, and you will need them if you file an amended return. Copies of your returns and records can be helpful to your survivor or the executor, or administrator, of your estate. You may also need tax returns from previous years for loan applications or other uses. Keeping consistent financial records, and copies of your tax documentation can not only help you streamline your tax preparation process each year but also keep information ready as you need it for years to come! |
Romance ScamsThinking of trying your luck with an online dating app, or getting to know someone you’ve met on social media? Before you do, make sure you know how to spot a romance scammer. Scammers pose as loving partners, using fake identities to gain trust and ultimately steal money. These fraudsters often connect with victims through social media or dating websites, crafting elaborate stories to manipulate emotions. Here’s a typical romance scam: You meet someone on a site or app, and they want to move the conversation off the platform. You might talk or chat several times a day. But they can’t meet up. They might say they live far away, maybe for work or because they’re in the military. Eventually, they start asking for money — maybe for a plane ticket to visit you or emergency surgery. Or they might say they can help you invest your money in cryptocurrency or the stock market. It’s all a scam to get your money. Never send money or gifts to a love interest you haven’t met in person. If you suspect a romance scam:
If you or someone you know has been targeted, report the scam to the Federal Trade Commission (FTC), the FBI’s Internet Crime Complaint Center (IC3), or local authorities. Also notify the app or site where you met the scammer, too. Raising awareness can help prevent further victimization and ensure that seniors find genuine, safe connections. By staying informed and cautious, people can protect themselves from romance scams and enjoy meaningful relationships without the risk of financial and emotional harm. |
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Boys & Girls Club of Baldwin & Jones CountiesThe Boys & Girls Club of Baldwin & Jones Counties offers a safe, supportive environment that positively impacts children ages 6 to 18. To assist with their daily operations, MidSouth Community FCU team members donated essential supplies, including cleaning products, bath and facial tissue, and craft materials. Along with these contributions, MidSouth Community’s Board Chairman, Cecil Ethridge, Jr., and President/CEO, Roy Bibb, presented a $1,000 donation to Club Director, Pamela Peek, and Michelle Adams.
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Read Across AmericaOur team had a fantastic time celebrating Dr. Seuss’ birthday by reading to classrooms for Read Across America! Inspiring young minds and fostering a love for books—just as Dr. Seuss intended! Thank you for having us Sonny Carter Elementary, Ingram Pye Elementary, MLK Elementary, and Miller Elementary.
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Johnny Appleseed WinnerCongratulations to 6 year old, Amiya Stewart, for being selected as the 4th Quarter 2024 Johnny Appleseed Birthday Winner. Amiya received a $50 deposit into her Johnny Appleseed account. |
Holiday ClosingsMemorial Day: Monday, May 26, 2025 Juneteenth: Thursday, June 19, 2025 Independence Day: Friday, July 4, 2025 Independence Day Observed: Saturday, July 5, 2025 |
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