Credit union · NCUA insured
MidSouth Community Federal Credit Union
Top CarrotA $481M credit union headquartered in Macon, GA, with 43,724 members and 9 branches in Georgia. Best rates: CDs 4.25% and savings 0.75% APY.
MidSouth Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#2 of 14 in Macon, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MidSouth Community Federal Credit Union
Founded in 1936 as Bibb Teachers Federal Credit Union by two Bibb County school principals, the credit union was established to provide better banking services for educators.
The institution rebranded to MidSouth Federal Credit Union in 1996 and adopted the name MidSouth Community Federal Credit Union in 2010 to reflect its expanded 13-county service area.
Today, the member-owned financial cooperative operates eight branch locations across Baldwin, Bibb, and Houston counties in Middle Georgia.
- Headquarters
- 4810 Mercer University Dr, Macon, GA 31210-5675
- NCUA charter
- 1410
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to individuals who live, work, or attend school in Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson County.
Branches
9 branches in Georgia
Loading map…
Georgia
9 branches
Macon area · 5
- Mercer OfficeMain office4810 Mercer University Dr, Macon, GA 31210Directions
- Bass1611 Bass Rd, Macon, GA 31210Directions
- Hartley Bridge Office3205 Hartley Bridge Rd, Macon, GA 31216Directions
- Hutchings College & Career Academy1780 Anthony Rd, Macon, GA 31204Directions
- Lasseter Office2306 Laseter Pl, Macon, GA 31204Directions
Warner Robins area · 3
- Hwy 961101 Hwy 96, Kathleen, GA 31047Directions
- Russell302 Russell Pkwy, Warner Robins, GA 31088Directions
- Watson1869 Watson Blvd, Warner Robins, GA 31093Directions
Milledgeville area · 1
- Milledgeville Office375 Hammock Rd NW, Milledgeville, GA 31061Directions
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 | 14.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio14.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 MidSouth Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.