Spring Newsletter 2026
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Put your home to work for what matters mostA Home Equity Line of Credit (HELOC) gives you flexible access to funds you can use for life’s larger expenses. Whether you’re improving your space, simplifying finances, investing in education, or planning something special, a HELOC lets you borrow only what you need when you need it.
Turn equity into opportunity. 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 11, 2025 is 6.75%.**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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We’ve got a checking account for that!
Looking for a checking account that rewards you for the things you already do? We’ve got a checking account for that. Our iChecking account is simple, free, and rewarding. Earn up to 5.00% APY* in dividends on your average daily balance by doing everyday activities like using your debit card, logging into online or mobile banking, enrolling in eStatements, and receiving direct deposits. The more you use your debit card, the greater your earning potential.  Just starting your financial journey? We’ve got a checking account for that. Our $martChecking account is designed for young adults ages 14 – 24 who are learning to manage their money and build strong financial habits. This free checking account provides the tools and flexibility you need whether you’re in school, starting your first job, or taking the next step toward financial independence.  Need a fresh start with your banking? We’ve got a checking account for that. Our fresh$tart Checking account gives you the opportunity to rebuild and manage a checking account responsibly. Designed for individuals who may not qualify for a traditional checking account due to past banking challenges & credit history, this account helps you get back on track while enjoying convenient services like online and mobile banking. Schedule an appointment at a branch near you to open your checking account. |
Give Your Finances a Check-UpYour financial health deserves regular care, just like your physical health. A Financial Check-up with MidSouth Community FCU is a complimentary benefit of your membership that gives you the opportunity to meet one-on-one with a trusted advisor to review your finances and talk through your goals. During your check-up, we’ll discuss your current financial situation, identify opportunities for improvement, and help you create a plan to reach both your short- and long-term financial goals. We can also periodically review your progress and adjust your plan as your needs change. Whether you’re saving for something specific, paying down debt, or simply looking to strengthen your financial habits, we’re here to help you stay on track. Keep your finances in peak condition. Schedule your Financial Check-up with MidSouth Community today! |
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Caps off to our future graduates!Is graduation on the horizon for you or someone in your family? Before the tassel turns, don’t miss your chance to earn some extra cash for college. We’re excited to offer the Tom Bentley Memorial Scholarship to our members to help take some pressure off the expense of tuition, textbooks, and other higher-education expenses. If you or a family member is heading to college this fall, apply today and give your college journey a head start! Available Scholarships*: Graduating High School Senior Scholarship – Two (2) recipients will each be awarded a scholarship of $2,000 scholarship. Continuing Education Scholarship – One (1) recipient will be awarded a $2,000 scholarship. Deadline: Completed applications and supporting scholarship documentation must be received by the credit union by Friday, April 24, 2026. A little extra funding can go a long way. Applications can be downloaded online. *Member restrictions apply. |
Join our Celebration!Throughout the year, we’ll be 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. Each event will feature refreshments, fun MidSouth swag giveaways, and a door prize raffle exclusively for members. We invite you to stop by and connect with our team members. Be sure to follow us on social media to find out when we’ll be celebrating at YOUR branch next! |
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90th Anniversary Community ImpactIn celebration of 90 years of serving and supporting our community, our team members have set a goal to complete 900 volunteer hours in 2026. We’re already off to a great start, volunteering with five local organizations and two school districts across the communities we serve. As we celebrate this milestone year, we’re excited to honor our history while continuing to strengthen our commitment to the people and communities that have supported us for the past 90 years.
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Feeling financially stressed? You’re not alone.Many Americans are worried about keeping up with bills, covering unexpected expenses, and building a secure financial future. Recent studies show that nearly half of households don’t have enough savings to cover a $1,000 emergency. But there are steps you can take to regain control over your budget!
At your credit union, we’re here to help you feel confident and in control of your finances, so surprises don’t have to be stressful. Start today by opening a special savings account for emergency funds, adjusting your payroll deduction to put more in your savings or setting up automatic transfers. |
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Stay safe when using mobile payment appsMobile payment apps like Apple Pay, Google Pay, Venmo, and Zelle make paying friends, splitting bills, and shopping easier than ever, but fraudsters are finding new ways to target users. Here are a few tips to keep your money safe:
To help, treat mobile payments like cash. Once the money is sent, it’s usually gone. Your credit union is here to guide you on safe practices and help protect your accounts. Reach out if you have questions or concerns! |
Adjust your savings as you ageYour financial priorities change over time, and so should your savings strategy. Here’s a simple way to think about allocating your money:
Make sure to review your savings annually and adjust allocations to match your goals and life stage. Your credit union can help you balance short and long-term priorities with smart, flexible account options. Reach out with questions or to speak with a financial services advisor. |
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Johnny Appleseed WinnerJoin us in congratulating 9-year-old Londyn Martin, our quarterly Johnny Appleseed Birthday Winner! Londyn was awarded a $50 deposit into her Johnny Appleseed account. |
Holiday ClosingsMemorial Day: Monday, May 25, 2026 |
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