At a glance
From its website, read 2 Nov 2026Ferguson Federal Credit Union is a credit union based in Monticello, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 3 other loan types. Where it lends: Southwest Mississippi: Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Simpson counties and part of Rankin County. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (601) 806-3328 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.fergusonfcu.org |
| Office (official list) | 1026 E Broad Street, Monticello, MS 39654 |
What their website says about applying
You can apply online or visit one of our branches.
sourceApply online in minutes or talk with a Ferguson FCU lending specialist.
sourceWith just a click of a button, you can apply online within minutes for your next personal loan.
sourceAll it takes to open an account at Ferguson FCU and apply for your first personal loan is a $5.00 deposit!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Term: see their wording | Terms up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
All it takes to open an account at Ferguson FCU and apply for your first personal loan is a $5.00 deposit!
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Aug 2026 |
| RSSD ID | 742681 |
| Address | 1026 E Broad Street, Monticello, MS 39654 Directions (Google Maps) |
| Website | www.fergusonfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amounts and rates are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Farm Equipment Loans for agricultural operations across Southwest Mississippi | source |
| Auto / vehicle loans | — | our auto loans can be applied for within minutes! | source |
| Commercial real estate loans | — | Commercial Real Estate Loans for purchasing, refinancing, or building | source |
| Home mortgages | — | Our home mortgage loans come with flexible terms and local service, making homeownership more accessible. | source |
| Personal / consumer loans | — | Ferguson FCU offers personal loans that can assist you with almost anything, from vehicle repairs and family vacations to education expenses and emergency bills! | source |
| Small-business loans | — | Business Term Loans for working capital, inventory, or facility improvements | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Southwest Mississippi: Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Simpson counties and part of Rankin County
Amite, Copiah, Franklin, Jefferson, Jefferson Davis, Lawrence, Lincoln, Marion, Pike, Simpson, or a portion of Rankin Counties in Mississippi
source
Counties this matches: Amite County, MS, Copiah County, MS, Franklin County, MS, Jefferson County, MS, Jefferson Davis County, MS, Lawrence County, MS, Lincoln County, MS, Marion County, MS, Pike County, MS, Rankin County, MS, Simpson County, MS
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online in minutes or talk with a Ferguson FCU lending specialist.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FERGUSON (charter 18515). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $94.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,070 (as of 30 Jun 2026) |
| Offices | 8 (as of 30 Jun 2026) |
Offices by state and county (8)
Mississippi (8 offices)
- Lawrence County (4): 1026 E Broad St, Monticello 39654 (main office); 1026 E Broad St, Monticello 39654; 577 Na Sandifer Hwy, Monticello 39654; 500 Main Ave, Newhebron 39140
- Lincoln County (1): 352 Brookhaven St, Brookhaven 39601
- Marion County (2): 519 Highway 98 Byp, Columbia 39429; 609 High School Ave, Columbia 39429
- Simpson County (1): 277 11th Ave SW, Magee 39111
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Ferguson Federal Credit Union (NCUA charter 18515, filed as “FERGUSON”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $67.5 million, 3,738 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.4% from $62.8 million on 30 Jun 2025 |
| Members | 10,070 (as of 30 Jun 2026); 10,526 (as of 30 Jun 2025) |
| Loans per member | $6,704 (total loans divided by members, 30 Jun 2026) |
| Total assets | $94.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $3.6 million | 5.3% |
| Used vehicle loans | $16.5 million | 24.4% |
| First-lien home mortgages (1-4 family) | $17.4 million | 25.8% |
| Other real estate loans (junior liens, other) | $15.2 million | 22.5% |
| Commercial (business) loans | $7.3 million | 10.9% |
| Credit cards | $645,222 | 1.0% |
| Other unsecured loans | $3.8 million | 5.6% |
| Leases and other secured loans | $3 million | 4.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Ferguson Federal Credit Union reported 51 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $6.6M (median loan about $85,000). 12 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 12 | 24% |
| Refinance (incl. 36 cash-out) | 36 | 71% |
| Home improvement | 3 | 5.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 51 | 100% |
Included above: 3 home-equity or other open-end lines of credit; 7 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 11 counties with at least one; 100% of its 2025 loans were for properties in Mississippi:
- Lawrence County, MS (21)
- Marion County, MS (7)
- Jefferson Davis County, MS (5)
- Lincoln County, MS (5)
- Jones County, MS (4)
- Simpson County, MS (3)
Filed under LEI 2549009A2MMICIE00762 as “Ferguson Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $94.2 million | Larger than 33% of the 6 other certified credit unions in Mississippi (median $164.6 million). |
| Loans as a share of assets | 72% | Median of the same 6 credit unions: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $62.8 million → $67.5 million (+7%) | Median change of 6 other certified credit unions in Mississippi: +2%. Rank by loans held among these 7: 5 → 4. |
| Home loans originated in 2025 (HMDA) | 51 | More than 24% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Mississippi | 6 | larger than 33% |
| Loans held then vs now | certified credit unions in Mississippi reporting both dates | 6 | rank 5 → 4 of 7 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 24% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Monticello and Mississippi
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- Bank of ForestBank or thrift · Forest, MSHome repair / improvement loans, Home mortgages, Personal / consumer loansVerified
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