Southern Mississippi Federal Credit Union

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A short history of Southern Mississippi FCU

Since its inception in 1956 the Southern Mississippi Federal Credit Union has been serving its members in the HATTIESBURG, Mississippi area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by John Harmond, the Southern Mississippi FCU has grown its membership to over 7,744 with assets of more than $42,912,336. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (601) 450-4114 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in HATTIESBURG, MS.

General Information For Southern Mississippi FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24668
Address 3318 HARDY ST 
City HATTIESBURG 
State Mississippi 
Zip-Code 39401
Phone Number (601) 450-4114
Fax Number (601) 261-5305
Email Address: none
CEO/President John Harmond
Members 7,744 
Full-Time Employees 22 
Part-Time Employees
Number of Branch Offices
Total Assets 42,912,336 
Website http://smfedcu.com 

Compare Southern Mississippi Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Forrest County Teachers CU Forrest County Teachers Federal Credit Union 611 Dumas Ave 39403 (601) 584-7331 No 5.04
Camp Shelby CU Camp Shelby Federal Credit Union Warehouse Ave Bldg 82 39407 (601) 544-5421 No 5.08
Pine Belt CU Leaf River 201 Main St 39462 (601) 964-8574 No 6.86
Ellisville State School Employees CU Ellisville State School 1101 Highway 11 S 39437 (601) 477-5635 No 24.58

Southern Mississippi Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Southern Mississippi Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.36 7.06 9.05 6.25 5.95
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 283 552 698 392 335
Rank Among All Mississippi Credit Unions 11 50 40 18 10

Southern Mississippi Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.20 0.30 0.99 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 108 97 177 271
Rank Among All Mississippi Credit Unions N/A 23 6 19 20
Southern Mississippi Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.360483908,655
All Other Unsecured Loans/Lines of Credit 12.8509523,180,294
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 7.06054969,642
Used Vehicle Loans 9.0501,17511,124,911
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.2507387,610
Total Other Real Estate Loans/Lines of Credit 5.9501215,613,539
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.5101,2473,663,837
TOTAL LOANS & LEASES 4,03925,848,488

Southern Mississippi Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
Balloon/Hybrid
    a. > 15 years 7387,6102114,700
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 1215,613,539642,737,613
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 1286,001,149662,852,313

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Southern Mississippi Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes