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Community South

PO Box 623, Chipley, FL 32428
NCUA Insured3.1 (50 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1991

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 623

Chipley, FL 32428

Service Area

This credit union is located in Chipley and serves members in the FL area. Currently serving 15,150 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.39%

Used Auto Loan

7.50%

Personal Loan

10.00%

Credit Card APR

7.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.1

50 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Rodney Davis

Rodney Davis

8 months ago

UPDATE. Still a Horrible bank. I cashed my check and they are holding it for two weeks! I need my money now. I have bills to pay. I'm switching to a new credit union after this! . Lackluster customer service in the past year. Applied for a loan and they ran my credit hard twice. I make over 8 grand a month working two jobs and they still denied me for a small loan. My other bank got me approved in 24 hours and pretty much laughed when i told them about Communities weird underwriting process. Will be transferring all my funds over to my other bank going forward.

Edward

Edward

7 months ago

I know for a fact that the Community South Credit Union is the best bank I ever dealt with in my life time, I have been a member for over 40+ years and had nothing but good service and I thank each and every Teller that works there for the great service that they have shown me over the years.I intend to be a member the rest of my life, thanks again for the great service that I have received, Edward Merriel.

Fred Buchanan

Fred Buchanan

2 months ago

Your employee showed an interest in my problem which gave me confidence in the results. It turned out positively in my favor. I will always call for assistance because I know they will put my intert first.

Hobbs HVAC

Hobbs HVAC

8 months ago

After doing business with Community South Credit Union for many years, I’ve had the privilege of watching this bank grow while also helping my company grow. They were the only lender willing to work with us to secure a loan for the property our business now operates on—after another local bank we had worked with for years turned their back on us. Since then, we’ve had nothing but great experiences with CSCU and their commercial department. They’ve helped us acquire vehicles and essential equipment that have directly contributed to our continued success as a small, local business. I truly couldn’t imagine where we’d be without the support, trust, and partnership CSCU has shown us.

Ross Statham

Ross Statham

a year ago

My experiences over the last 18 months have been great. Very attentive staff. Best car loan rate we found around, as well as great online banking. Not the best location (eastern edge of town) but if we need to use the ATM their other location is excellent. Otherwise we bank online.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).