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
Savings Rates
Annual Percentage Yield is accurate as of June 10, 2024. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account. There may be 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.