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Community South Credit Union Share
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Overview Share
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Community South Credit Union is a federally insured state credit union based in Chipley, Florida. It has been opened since 1991, for 31 years.

With around $128,990,000 in assets, Community South Credit Union is considered to be a large credit union. It has 3 branches and 2 ATM locations.

About Share
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Address Po Box 623
Chipley, Florida 32428
Website http://www.communitysouth.net
Phone (850) 638-8376
Fax (850) 638-4055
CEO Jan L. Page
President of the Board Ira Carter
Services Offered
Score Card Share
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31 years
Years in business
Opened in 1991
Well Capitalized
Net worth classification
Source: NCUA
10,606 members
Membership type: State chartered natural person credit union
Above average number of members
250:1
Credit union member to staff ratio
250 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$128,994,985
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
0.30%
Savings interest rate
Compared to 0.3% nationally
12.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
Community South Credit Union Branch Locations

Community South Credit Union: Bonifay Branch
1720 S. Waukesha Street
Bonifay, Florida 32425
ATM Available
Community South Credit Union: Chipley-Main
1044 Highway 90
Chipley, Florida 32428
ATM Available
Members Share
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10,606 members
Membership type: State chartered natural person credit union
Above average number of members

With 10,606 members, the Community South Credit Union is considered to be a large credit union. It is larger than 72% of credit unions.

Fees Share
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$231
Average fee per member
The average fee per member at the Community South Credit Union is $231, which is very high compared to most credit unions. This rate is higher than 99% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Community South Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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250:1
Credit union member to staff ratio
250 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
42 staff members
FTE (full-time equivalent)
2% of employees are part-time
42 full-time, 1 part-time

Community South Credit Union has 42 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 98% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Community South Credit Union has around 250 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$128,994,985
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,225
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 59% of credit unions.

Community South Credit Union holds a total of $92,250,000 in loans and leases, which is about $11,225 per member on average.

Savings interest rate Share
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0.30%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Community South Credit Union pays 0.30%.

Loan rates Share
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12.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
18.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.30%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.50%
New car loan rate
Compared to 4.0% nationally
18.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Community South Credit Union: Chipley Operations
Credit Union Branch: 1447 Main Street
Chipley, Florida 32428 No ATM
Community South Credit Union: Chipley-Main ATM
Credit Union ATM: 1044 Highway 90
Chipley, Florida 32428
Community South Credit Union: Chipley-Main
Credit Union Branch: 1044 Highway 90
Chipley, Florida 32428 ATM Available
Community South Credit Union
Credit Union: Well Capitalized Chipley, Florida 10606.0 $129 million Well Capitalized
Community South Credit Union: Bonifay Branch
Credit Union Branch: 1720 S. Waukesha Street
Bonifay, Florida 32425 ATM Available
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Community South Credit Union: Bonifay Branch ATM
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