Credit union · NCUA insured
MidSouth Community Federal Credit Union CD Rates
Top CarrotMidSouth Community Federal Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How MidSouth Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Macon, GA, where MidSouth Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MidSouth Community Federal Credit Union
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $868
Johnny Appleseed Share Certificate
Top rate
BCU
4.30%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
MidSouth Community Federal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MidSouth Community Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Johnny Appleseed Share Certificate
Up to 4.25%APY · 4 terms
Dividends compounded and credited quarterly. Early withdrawal penalty is one quarter's dividends. Automatic renewal with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 24 months | 4.25% | $868 |
| 36 months | 3.50% | $1,087 |
Sources (1)
- midsouthfcu.org/investment-accounts · captured Oct 15, 2026
Share Certificate
Up to 4.25%APY · 4 terms
Dividends compounded and credited quarterly. Early withdrawal penalty is one quarter's dividends. Automatic renewal with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 24 months | 4.25% | $868 |
| 36 months | 3.50% | $1,087 |
Sources (1)
- midsouthfcu.org/investment-accounts · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 4 terms
Traditional and Roth IRA options available. Dividends compounded and credited quarterly. Early withdrawal penalty is one quarter's dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 24 months | 4.25% | $868 |
| 36 months | 3.50% | $1,087 |
Sources (1)
- midsouthfcu.org/investment-accounts · captured Oct 15, 2026
Who can join MidSouth Community Federal Credit Union
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.
Membership information collected October 4, 2026.