Summer Newsletter 2024

Credit Union Financial Services (CUFS) is now Our Mortgage Team!

Although their name has changed, Our Mortgage Team remains committed to offering our members the SAME fantastic home loan products, with the SAME trusted mortgage advisors. If you’re looking for your next home sweet home, let Our Mortgage Team create the perfect mortgage for you! Whether you’re buying or refinancing, they offer a range of home loan solutions tailored to fit your budget. Get started by calling your local mortgage consultant at 800.503.6855, or completing an online application at

Our Mortgage Team
NMLS #645585
NMLS #402169


If you are a teen or have a teen who has a summer job, now is the time to decide where to put that hard-earned income! Check out our $martChecking account designed for teens and young adults ages 14-24.

Schedule your branch appointment to open your checking account.


Sun’s out, funds out!

Summer is in full swing! The sun is out, and it’s time to get the funds out! If you’re shopping for a new or used car this season, look to us for your low-rate auto loan*.

Rates as low as 5.50% APR**
Flexible terms

Plus, we offer pre-approvals, so you’ll know your budget before you shop!

Apply online or contact us at 478.475.7819 today.

*All loans subject to credit approval. **Annual Percentage Rate. Rate listed is our best rate (A+ credit) based on credit approval and our lending requirements. The actual interest offered may be higher depending on the applicant’s credit rating and other underwriting factors. Equal Opportunity Lender. See credit union for full details.


You Speak, We Listen

MidSouth Community Federal Credit Union recently launched a new survey program to regularly gather member feedback. This initiative aims to enhance our products and services and improve your overall experience with us. Your participation in these surveys will provide valuable insights, helping us identify areas for improvement. Members will be randomly selected to receive surveys by email.

Your feedback directly influences the decisions we make to better serve you. When members speak, we listen. This input allows our staff and management to understand how to refine our services and operations for the benefit of all members.

We also want to reassure you that your privacy is a top priority. You will not be asked to provide any personal or account information when completing a survey.

Your satisfaction is crucial to us. Thank you for your continued commitment to making MidSouth Community FCU an exceptional experience. We look forward to hearing from you.


Best Uses for HELOCs

A common way in which homeowners can cover expenses is by tapping into the equity they’ve built up in their homes through a home equity line of credit (HELOC). HELOC’s are versatile in that you can use the funds for almost anything, however some uses are better than others. Here are four great uses for a HELOC.

1. Home Improvement/Remodeling – Using HELOC funds for home renovations comes with tax advantages. The interest you pay can be deducted on your tax return if the funds are used to substantially improve or repair the home. Plus, HELOCs allow for accessing large sums over time which can be useful for long term renovation projects.

2. Education – HELOC funds are great for covering college tuition because you draw funds as you need them – for a semester or a year – and you only owe interest on what you take out.

3. Emergency Fund – It’s good practice to have an emergency fund that covers three to six months of living expenses should you suffer a job loss or other emergency situation. However, a HELOC can also be used to cover such expenses as you can withdraw funds as you need them.

4. Debt Consolidation – HELOCs generally offer lower interest rates than unsecured loans and credit cards so they can be a good choice to pay off your credit cards or to bundle your debts into one single payment.


Protect your data online with these cyber hygiene tips

Cyber hygiene refers to the practices and steps taken to protect your digital assets and information from cyber threats. By practicing the following good cyber hygiene tips, you can ensure the safety and security of your digital assets and information while online!

• Turn on Multifactor Authentication – MFA is an effective security measure that requires an extra form of identification (PIN, fingerprint, confirmation text), on top of your password, when trying to access your accounts.

• Update Your Software – Keeping your devices up to date with the latest security patches and utilizing automatic updates for operating systems, antivirus software, and applications will help protect your data from cybercrime.

• Recognize and Report Phishing – Be cautious of unsolicited phishing emails, texts, and calls that ask for personal information. Don’t click on links or attachments from unknown sources and avoid sharing sensitive information or credentials over the phone or email.

• Use Strong Passwords – Make sure your passwords are long, unique, random, and include all four-character types. Password managers are great tools to create and store passwords for you.


United Way of Central Georgia

MidSouth Community FCU has pledged a record-breaking donation of $30,073.33 as part of its 2023-2024 workplace campaign to benefit United Way of Central Georgia. This donation was made possible in part by branch fundraisers, employee gifts, and annual corporate gift. United Way of Central Georgia’s mission is to increase the organized capacity of people in Central Georgia communities to care for one another, and by working collaboratively, to disrupts the cycle of poverty in our community. For more information about how you can make an impact through United Way of Central Georgia, visit


The Gardens at Brookdale

MidSouth Community team members recently volunteered at The Gardens at Brookdale. In just one year’s time, The Gardens have flourished with mature vegetation and added compost piles and a flower garden. The fruits and vegetables that are grown at The Gardens help feed the residents.

If you’re interested in volunteering at The Gardens at Brookdale, or at the Brookdale Resource Center, please visit United Way of Central Georgia’s website to learn more.

Garden 2
Garden 3

Scholarship Recipients

MidSouth Community Federal Credit Union is proud to announce the recipients of the 2024 Tom Bentley Memorial Scholarship program.

Carter Shirey, of Perry, has been awarded the 2024 High School Scholarship. A graduate of Perry High School, Mr. Shirey will attend Middle Georgia State University this fall and major in exercise science. The high school scholarship is a $4,000 award that is paid to the recipient’s college in installments of $1,000 per year.

Jenna Fuller, of Macon, has been awarded the 2024 Continuing Education Scholarship. Ms. Fuller, a 2022 graduate of Mount de Sales Academy, is currently pursuing a degree in biology at Middle Georgia State University, with plans of attending medical school after graduation. The continuing education scholarship is a $2,000 award that is paid to the recipient’s college in installments of no more than $500 per semester.

This year’s Scholarship Committee was comprised of Beth Byers, Executive Director of Development at Middle Georgia State University; and Tonya McClure, Assistant Vice President for Advancement at CGTC.


Johnny Appleseed Winner

Congratulations to 11 year old, Dezmond Clemons, for being selected as our quarterly Johnny Appleseed Birthday Winner. Dezmond received a $50 deposit into his Johnny Appleseed account.


Holiday Closings

Independence Day: Thursday, July 4, 2024

Labor Day: Monday, September 2, 2024