Credit union · NCUA insured
Ferguson FCU
A $96.2M credit union headquartered in Monticello, MS, with 10,064 members and 7 branches in Mississippi. Best rates: CDs 4.25% and savings 0.35% APY.
Ferguson FCU Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#11 of 26 in Jackson, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ferguson FCU
Chartered in 1968, Ferguson Federal Credit Union is a member-owned cooperative headquartered in Monticello, Mississippi.
Originally formed to serve lumber mill employees, the credit union now serves 36 counties across Mississippi.
- Headquarters
- 1026 E Broad St, Monticello, MS 39654
- NCUA charter
- 18515
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in one of the 36 eligible Mississippi counties (8 of which are partial) qualify for membership.
Employers and groups
- Employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
Family and household
- Immediate family members of employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members of employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members (generally spouses, children, parents, and siblings) of current Ferguson FCU members are eligible to join.
Branches
7 branches in Mississippi
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Mississippi
7 branches
Columbia area · 2
- Columbia Branch519 Highway 98 Byp, Columbia, MS 39429Directions
- Mortgage & Business Center609 High School Ave, Columbia, MS 39429Directions
Monticello area · 2
- GP Branch577 NA Sandifer Hwy, Monticello, MS 39654Directions
- Monticello Branch1026 E Broad St, Monticello, MS 39654Directions
Brookhaven area · 1
- Brookhaven Branch352 Brookhaven St, Brookhaven, MS 39601Directions
Jackson area · 1
- Magee Branch277 11th Ave SW, Magee, MS 39111Directions
New Hebron area · 1
- New Hebron Branch500 Main Ave, New Hebron, MS 39140Directions
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 | 9.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio9.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Ferguson FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.