Credit union · NCUA insured
MidSouth Community Federal Credit Union Savings Rates
Top CarrotMidSouth Community Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How MidSouth Community Federal Credit Union’s savings 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
0.75%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $75
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Center Parc Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
MidSouth Community Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.75%APY
MidSouth membership is available to anyone who lives, works, worships, or attends school in Baldwin, Bibb, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson County. Requires a $5 initial deposit into a share savings account to establish and maintain membership. Dividends compound daily and are paid monthly. Up to 6 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. | 0.60% | — | The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. |
| $10,000 – $50,000The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. | 0.75% | $75 | The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. |
| $50,000 – $100,000The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. | 1.00% | — | The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. |
| $100,000 and upThe balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. | 1.50% | — | The balance required to obtain the APY is a daily balance. Compounded daily, paid monthly. |
Share Savings
0.25%APY
Membership requires a $5 initial deposit into a share savings account to establish and maintain membership. Dividends earned quarterly on an average daily balance of $200 or more. Unlimited withdrawals at any MidSouth Community branch location.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Balance required to obtain APY is an average daily balance. | 0.25% | — | Balance required to obtain APY is an average daily balance. |
| $1,000 – $2,499Balance required to obtain APY is an average daily balance. | 0.25% | — | Balance required to obtain APY is an average daily balance. |
| $2,500 – $6,000Balance required to obtain APY is an average daily balance. | 0.25% | — | Balance required to obtain APY is an average daily balance. |
| $6,000 – $9,999Balance required to obtain APY is an average daily balance. | 0.25% | — | Balance required to obtain APY is an average daily balance. |
| $10,000 and upBalance required to obtain APY is an average daily balance. | 0.25% | $25 | Balance required to obtain APY is an average daily balance. |
Sources (1)
- midsouthfcu.org/savings-accounts · captured Oct 15, 2026
Special-purpose accounts
IRA Savings
0.75%APY
IRA contributions and earnings grow tax-deferred (Traditional) or tax-free (Roth). Ability to contribute to an IRA account should be determined with your tax advisor. All contributions for the current tax year must be made before the tax filing deadline in the following year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.75% | $75 |
| Over $10,000 | 0.75% | — |
Sources (1)
- midsouthfcu.org/investment-accounts · captured Oct 15, 2026
Holiday Club
0.25%APY
Dividends earned annually at maturity on an average daily balance of $100 or more. Access to funds anytime between November 1 and December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance required to obtain APY is an average daily balance.$100 and up | 0.25% | $25 | Balance required to obtain APY is an average daily balance. |
Sources (1)
- midsouthfcu.org/savings-accounts · captured Oct 15, 2026
Johnny Appleseed Club
0.25%APY
Youth savings account. Dividends earned quarterly on an average daily balance of $100 or more. No minimum balance required after opening. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance required to obtain APY is an average daily balance.$100 and up | 0.25% | $25 | Balance required to obtain APY is an average daily balance. |
Sources (1)
- midsouthfcu.org/savings-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.