Summer Newsletter 2026

Dream Car to Driveway

We’ve got low-rate auto loans that can help put your dream car in your driveway!

We offer:

• Great financing deals for new & used vehicles
• Quick and easy application process
• Rates as low as 3.75% ^APR1 for up to 60 months
• NO PAYMENTS for 90 DAYS²
• Preapprovals so you can know your budget before you shop!

Put your dream car in your driveway with an auto loan from the credit union. Apply online today!

1 APR – Annual Percentage Rate | APR is accurate as of April 28, 2026, and is subject to change. Rate listed is our best rate (A+ credit) based on credit approval and our lending requirements. Actual rate will be based on the applicant’s creditworthiness and other underwriting factors. Terms, conditions, and membership requirements apply. All loans are subject to credit approval. Not valid with auto loans currently financed with MidSouth Community FCU. 2 Interest will continue to accrue, and deferment of payment will extend the life of the loan. For questions or complaints, please call 478.471.9946. Equal Opportunity Lender.

Make Your Move This Summer

Summer is one of the busiest times to buy a home, and for good reason. School breaks, longer days, and a more active housing market make it the perfect season to make a move.

Whether you’re upgrading, relocating, or buying your first home, Our Mortgage Team is here to help you navigate the process with confidence.

You’ll get:

• Competitive rates & flexible terms³
• FHA, VA, USDA, and Adjustable Rate Mortgages
• Guidance from a qualified mortgage loan advisor

From pre-approval to closing, Our Mortgage Team makes it easier to turn your summer plans into a new place to call home. Visit ourmortgageteam.org, or call 800.503.6855 to speak with a Licensed Mortgage Advisor.

3 All credit union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. | MidSouth Community FCU NMLS #402169 and OMT NMLS #645585

Grow Your Savings with Confidence

Looking for a safe, reliable way to earn more on your savings? Share Certificates, also known as Certificates of Deposits (CDs), offer fixed, competitive rates and flexible terms to help your money grow, without market risk.

Currently, we’re offering:

• 6 month certificates at rates as high as 2.50% ^APY4
• 9 month certificates at rates as high as 3.40% ^APY4

It’s a simple, dependable way to reach your savings goals. Stop by the credit union today to open yours!

4 APY – Annual Percentage Yield | The APY is accurate as of April 28, 2026, and is subject to change without notice. A minimum $1,000 deposit is required to open the account and earn dividends. Early withdrawal penalty fees may be imposed and can reduce earnings on accounts. See the credit union for full details.

Your Home’s Equity is Waiting!

Thinking about upgrades, consolidating debt, or covering a big expense? Your home’s equity could help.
With a Home Equity line of Credit, you can turn what you’ve built into what you need next.

Borrow up to 100% of the value of your home.⁵

Use your equity for:

• Renovations or upgrades
• Debt consolidation
• Big ticket expenses
• School tuition

Your home’s equity is waiting. Let’s get started. Visit us online to learn more.

5 Property must be the primary residence and located in the state of Georgia. Neither modular nor mobile homes are eligible. 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. Equal Opportunity Lender.

Want to Improve Your Credit Score? Start with These Tips!

Improving your credit doesn’t require big moves, just consistent ones over time. Small habits can make a big impact on your financial future, helping you qualify for better rates, loans, and opportunities down the road.

Start building stronger credit with these simple steps:

• Pay bills on time
• Keep balances low
• Limit new credit applications
• Review your credit report regularly

The key is consistency. Stay on track, and you’ll build momentum, because small steps today can open bigger doors tomorrow.

AI-Powered Scams Are Getting Smarter

Scammers are now using artificial intelligence (AI) to create highly convincing messages, including realistic voices, emails, and even video deepfakes that appear to come from people you trust.

What to watch for
AI-powered scams can take many forms, including:

• Phone calls that sound like your credit union, employer, or even a family member
• Voice messages or videos that appear real but are actually manipulated (deepfakes)
• Highly personalized emails that use your name, recent activity, or familiar details

Why it matters
In the past, scams were easier to spot. Today, that’s no longer the case. These messages can sound and look authentic, making it harder to rely on instinct alone. If something feels urgent or unusual, it’s worth taking a second look.

Protect yourself:

• Don’t act on urgency, pause before responding
• Never share passwords, PINs, or verification codes
• Verify requests by contacting the person or organization directly using a trusted number
• Be cautious of unexpected messages, even if they seem familiar

As scams evolve, awareness is your best defense. When in doubt, slow down and verify because even the most convincing message may not be what it seems.

REMEMBER!
Your credit union will never ask for sensitive information like passwords, PINs, or full account details through unexpected calls, texts, or emails. If something doesn’t feel right, pause before you respond. Verify the request by contacting your credit union directly using a trusted phone number or website.

Time for a Mid-Year Financial Check-up

The halfway point of the year is the perfect time to pause, review, and reset your financial plan. A quick check-in now can help you stay on track or make smart adjustments before year-end.

Here are five simple ways to give your finances a mid-year refresh:

1. Revisit Your Budget
   Take a look at your spending so far and adjust where needed. Have any life changes—like a new job, growing family, or major purchase—shifted your priorities? Make sure your budget reflects your current reality.
2. Check Your Credit Score
   Review your credit to ensure everything looks accurate. It’s also a smart way to catch signs of fraud early and stay prepared for any future borrowing needs.
3. Review Your Investments
   Evaluate how your investments are performing and whether they still align with your long-term goals. This is a great time to consider increasing contributions, especially toward retirement.
4. Adjust Your Tax Withholding
   Check your current withholdings to avoid surprises later. The goal: not owing a large amount or overpaying and missing out on money you could be using now.
5. Tackle Your Debt
   List out your balances and focus on paying down high-interest debt first, while continuing to make minimum payments on the rest. A clear plan can help you make steady progress toward becoming debt-free.

A mid-year checkup doesn’t have to take long, but it can make a big difference. Small adjustments today can set you up for a stronger finish to the year.

We also offer in-person Financial Check-ups as a member benefit. Schedule yours today. To schedule, select Other Financial Needs, then choose Financial Check-up.

Congratulations to the 2026 Scholarship Recipients

MidSouth Community Federal Credit Union is proud to announce the recipients of the 2026 Tom Bentley Memorial Scholarship program.

Na’Liyah Merritt, of Macon, has been awarded a $2,000 High School Scholarship. A 2026 graduate of Howard High School, Na’Liyah will attend college this fall with a focus on animal science.

Zachary Johnson, of Bonaire, has been awarded a $2,000 High School Scholarship. A 2026 graduate of Warner Robins High School, Zachary will attend Tuskegee University this fall with a focus on animal science.

Hannah Smith, of Macon, has been awarded a $2,000 Continuing Education Scholarship. A 2024 graduate of Mount de Sales Academy, Hannah will attend Augusta University this fall with a focus on nursing.

This year’s Scholarship Committee was comprised of Beth Byers, Senior Development Officer at Gordon State College; and Tonya McClure, Assistant Vice President for Advancement at CGTC.

90th Anniversary Parties

Throughout the year, we’re 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. We invite you to stop by and connect with our team members. Visit us online to find out when we’ll be celebrating at YOUR branch next!

Habitat for Humanity Women Build

We were proud to celebrate Habitat for Humanity’s 40th anniversary by participating in Women Build Days this spring. These inspiring days brought our team members together to support one another, strengthen our community, and help build safe, affordable homes for local families—creating something bigger than ourselves along the way.

Johnny Appleseed Winner

Join us in congratulating 10-year-old Kristina Johnson, our quarterly Johnny Appleseed Birthday Winner! Kristina was awarded a $50 deposit into her Johnny Appleseed account.

Holiday Closings

Independence Day: Friday, July 3, 2026 & Saturday, July 4, 2026
Labor Day: Monday, September 7, 2026