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iAdvertiser Disclosure
Advertiser Disclosure
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 Ferguson Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Ferguson Federal Credit Union's 6 month CD rates are at 4.13%, 12 month CD rates are at 3.76%, 24 month CD rates are at 3.45%, 36 month CD rates are at 3.30%, 60 month CD rates are at 2.43%. Ferguson Federal Credit Union's savings rates are at 0.10%. Ferguson Federal Credit Union's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Ferguson Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.66%. Rates were last updated on 04/18/2026. Ferguson Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ferguson Federal Credit Union? Share your experience about Ferguson Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ferguson Federal Credit Union. Ferguson Federal Credit Union
Ferguson FCU Headquarters 1026 E Broad St
https://fergusonfcu.org Monticello, MS 39654 
Ferguson Federal Credit Union CD Rates
Ferguson Federal Credit Union Savings Rates
Ferguson Federal Credit Union Money Market Rates
Ferguson Federal Credit Union Checking Rates
Ferguson Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Ferguson Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ferguson Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ferguson Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Ferguson Federal Credit Union
Website
https://fergusonfcu.org
Address
1026 E Broad St,
Monticello, MS 39654
Phone
601-806-3328
Fax
601-587-4038
President
Christopher Robinson
CEO
Vernon Clevenger
Full-Time Employees
49
Part-Time Employees
1
Branch Locations
7
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.66%
Return on Assets (ROA)
-0.3485%
Return on Equity (ROE)
-3.5179%
Non-Performing Loans Ratio (NPL)
3.05%
Total Assets
94,614,568
Total Amount of Shares and Deposits
84,858,146
Total Shares and Deposits < 1 Year
82,737,244
Total Shares and Deposits 1 3 Years
1,576,093
Total Shares and Deposits > 3 Years
544,809
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,544,352
Total Uninsured Shares and Deposits > $250K (F+J)
9,544,352
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,313,794
Total Interest Expense (Sum of items 6 8)
1,348,683
Share Certificates
668
Number of Accounts for Share Drafts
7,438
IRA KEOGH Accounts
98
Number of Accounts for Regular Shares
11,442
Non Member Deposits
1
Money Market Shares
98
Net Income (unless the amount is already included in Undivided Earnings)
-329,750
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,967,905
Total Liabilities
85,519,610
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Ferguson Federal Credit UnionIs Ferguson Federal Credit Union a safe place to deposit money?Yes, Ferguson Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 20.658183105757%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Ferguson Federal Credit Union operate?Ferguson Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Ferguson Federal Credit Union?Yes, to access services at Ferguson Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Ferguson Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ferguson Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Ferguson Federal Credit Union offer online and mobile banking?Most modern institutions like Ferguson Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://fergusonfcu.org. Current Ferguson Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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