Credit union · NCUA insured
One South Federal Credit Union
A $17.2M credit union headquartered in Natchez, MS, with 2,812 members and 1 branch in Mississippi. Best rates: savings 0.10% APY.
One South Federal Credit Union Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#2 of 2 in Natchez, MS-LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About One South Federal Credit Union
One South FCU was formed in 1953 originally to serve employees of the International Paper Company in Natchez, Mississippi.
The credit union serves residents and communities across Adams County, Mississippi, and Concordia Parish, Louisiana.
- Headquarters
- 148 N Shields Ln, Natchez, MS 39120-4195
- NCUA charter
- 8840
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This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, or attend church in Concordia Parish, LA or Adams County, MS are eligible for membership.
Cost to join
- A $25 deposit is required to open a savings account.
Branches
1 branch in Mississippi
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Mississippi
1 branch
- Corporate officeMain office148 N Shields Ln, Natchez, MS 39120Directions
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 | 21.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio21.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ 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 One South 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.