Credit union · NCUA insured
CenturyFirst FCU
A $141.7M credit union headquartered in Hattiesburg, MS, with 16,149 members and 7 branches in Mississippi. Best rates: CDs 2.55% and savings 0.50% APY.
CenturyFirst FCU Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#4 of 7 in Hattiesburg, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CenturyFirst FCU
CenturyFirst Federal Credit Union is a member-owned not-for-profit financial institution headquartered with its main office in Hattiesburg, Mississippi.
Lifetime membership begins with opening a share account and maintaining a $25 balance.
- Headquarters
- 3318 Hardy St, Hattiesburg, MS 39401-6962
- NCUA charter
- 24668
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in most of Forrest, Lamar, Jones, and Hinds County (and legal entities located within) are eligible to join.
Employers and groups
- Employees of sponsor organizations are eligible to join CFFCU.
Military, government and schools
- Civilian employees of the U.S. Government or U.S. Postal Service working in Forest, Jones, Lamar, Perry, Stone, or Covington Counties in Mississippi are eligible for membership.
- University of Southern Mississippi staff, faculty, students, Southern Miss Alumni Association members, and affiliated organizations across all campus locations are eligible for membership.
Family and household
- Immediate family members of an existing Credit Union member are eligible to join.
Other ways
- Spouses of deceased eligible members, credit union employees, retirees/pensioners from qualifying employment, and their immediate families or households are eligible for membership.
Cost to join
- Membership requires opening a share account and maintaining a balance of $25.
Branches
7 branches in Mississippi
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Mississippi
7 branches
Hattiesburg area · 3
- Main OfficeMain office3318 Hardy St, Hattiesburg, MS 39401Directions
- Downtown Branch400 Forrest St, Hattiesburg, MS 39401Directions
- Petal Branch202 W Central Ave, Petal, MS 39465Directions
Memphis area · 2
- Senatobia Office319 E Main St, Senatobia, MS 38668Directions
- Southaven Office3870 Goodman Rd E, Southaven, MS 38672Directions
Jackson area · 1
- Clinton Office1001 Highway 80 E, Clinton, MS 39056Directions
Laurel area · 1
- Laurel Branch3217 Audubon Dr, Laurel, MS 39440Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.86% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.80% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.90% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio13.86%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.80%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CenturyFirst FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.