Banking
What is Ferguson FCU’s routing number?
Our routing number is 265377811. Additionally, you can find the routing number followed by your full 8-digit account number on the bottom of your checks. If you do not have checks and need to know your account number, contact us via live chat with Ferguson Anywhere, or give us a call at (601) 806-3328.
Borrow
What types of home loans does Ferguson offer?
Ferguson offers a wide variety of home loans to meet the needs of our members. These include:
Conventional loans:
Fixed-rate loans: 10,15,20 and 30 years
Jumbo Loans
Government agency-backed loans, including:
FHA
USDA
Other loans:
Loans for home purchases and refinance
HELOCs (Home Equity Lines of Credit)
Real estate investment loans
The best part? Our expert Home Loan experts will help you determine what options will best fit your budget. Speak with a mortgage expert today via Ferguson Anywhere or call (601) 806-3328.
Is my credit score too low to apply for a home loan?
Your credit score should never prevent you from applying for a home loan. While it's always a great idea to try to improve your credit score, the right time to apply for a home loan is when you need a home loan. Your credit score is an important factor in the loan approval process, but it is only one of multiple factors.
How do I apply for a Mortgage Loan
You may apply in person, over the phone, or Online.
How do I Qualify?
We have many options to meet our members needs, contact our Mortgage Loan Professional to determine qualifications.
What are the rates currently?
Our Rates change daily until locked. Contact our Loan Professional to obtain an accurate rate estimate!
Do you have to be a member to apply?
In some instances, you must be a member to qualify for a Mortgage Loan. We recommend that you contact our Mortgage Loan Professional to determine if you need to be a member.
How long does the process take?
The process can take up to 30 days, but in some instances we are able to close your loan within 15-30 days!
Membership
How do I open an account?
Opening an account is easy! You can put your application in online or speak to us via Ferguson Anywhere.
You will need the following to open an account:
A U.S. government-issued photo ID (e.g. driver's license, state identification)
Your complete physical and mailing address
Social Security Number
Date of Birth
If applying for a joint account, please have the secondary applicant's information ready as well
Please allow one business day for Ferguson to process your online account application. If you have any questions, please feel free to connect with us via text at (601) 587-4037, by phone at (601) 806-3328, or by video with Ferguson Anywhere.
Discover
What is Ferguson's mailing address?
Mail for Ferguson should be addressed to:
1026 E Broad St
Monticello, MS 39654
How do I cash my check at a Ferguson ATM?
Depositing Your Check
Be sure to endorse your check properly on the back
Put your debit card into the ATM and enter your PIN
Select the deposit option and then either checking or savings
Withdrawing Cash
Indicate that you would like to do another transaction by pressing "Yes". Re-enter your PIN and select the option to withdraw
Select either checking or savings and indicate the dollar amount you would like to withdraw
Please know the ATM may not allow for immediate withdrawal for items that have not been made available in your account. If you do not have immediate access, please contact us.
Why is my debit card number different than my joint account holder's debit card?
Each account holder is issued a unique card number. In the event one card is lost or stolen, we place a hold on only that card, and the other account holder will be able to continue using the card issued in his/her name.
Does Ferguson offer business savings and checking accounts?
If you are eligible for membership and you are a business owner, please connect with our team to see if we have a product that fits your business needs. We can't wait to help! Please utilize the chat feature on our website, video chat via Ferguson Anywhere, or call us at (601) 806-3328.
What account number do I use for direct deposit?
The account number you will use for direct deposit is determined by which account you would like to deposit funds. Your account number (alternatively called member number or savings account number) is a 5-6 digit number assigned to your account at opening. Your checking account number (alternatively called share draft number) is an 8-digit number that can be found on the bottom of your checks. We can provide the savings and checking account numbers via phone at (601) 806-3328, or via live video chat on Ferguson Anywhere.
When should I expect my title after paying off a loan?
Titles are released 10 business days after the loan is paid in full. The title will be mailed to the address on file unless we have been given other instructions. Ferguson Federal Credit Union will sign the front of the title and release the lien filed with the Department of Revenue.
When I deposit a check at the ATM, when will the funds be available?
Your money has a hold on it until it is reviewed by a staff member during business hours. Upon review, the hold will be released or extended. Just like when you deposit a check with a teller or from your phone, the funds may be placed on a short hold while the check is being reviewed. We do this to protect you in case there is an issue with the check.
What do I do if there is a fraudulent charge on my account?
If the charges are either on your debit card or credit card, please call (601) 806-3328 Option 2 for member services during business hours. After business hours please call (601) 806-3328 for lost or stolen debit/credit cards. If calling after hours, you will need to call back on the next business day to order a new card.
How can I get a copy of my credit report?
Most instances of something unfamiliar on your credit report fall into one of these categories:
A creditor using a name you don't recognize because you haven't used that account recently
An error in reporting by the creditor(s)
(Less frequently) Credit fraud
In any case, if you are uncertain of an account on your credit report, here are some initial first steps to take:
If you haven’t already, obtain an official copy of your credit report from annualcreditreport.com.
Review the details of the account information provided such as credit limit, original loan amount, and open date. These details often help identify oddly named accounts or confirm for you that the account is in error.
Contact the creditor listed on the credit report and request more information.
If you determine that the account does not belong to you, you can dispute the information with the credit agency. They will also detail the options you have to put security alerts or other corrective or preventative measures in place, if desired.
How can I place a freeze on my credit report if I suspect fraud?
A freeze can be placed on your credit through the three nationwide credit bureaus; Experian, Equifax, and Transunion.
Their contact information is below:
Equifax (800) 685-1111
Experian (888) 397-3742
TransUnion (888) 909-8872
You'll need to supply your name, address, date of birth, Social Security number and other personal information to put a freeze on your credit. After receiving your freeze request, each credit bureau will provide you with a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need them if you choose to lift the freeze.
When should I notify Ferguson if I plan to travel?
Traveling is always an exciting time! We want to make sure you have access to your funds. Traveling can sometimes cause a fraud alert on your card. If we have the correct phone number for you on file, you should receive a text message or phone call verifying the transaction. The best way to avoid this is by alerting us that you will be traveling. You can do so by calling us at (601) 806-3328, texting us at (601) 587-4037, or by video chat using our Ferguson Anywhere App on your apple or android device.
How do I report my card lost or stolen?
To report a card lost or stolen, please call 601-806-3328. You will be prompted to select "report my card lost or stolen" from the menu options. If you're not sure if your card has been lost or stolen, and would like to turn it off temporarily, you may do so using the card controls option in our SecurLock app.
Why can't I make a transfer from my savings account in online banking?
You should be able to transfer from all accounts online with the exception of Certificates, Christmas Club, and IRA accounts. If you have issues transferring from the eligible accounts, you may contact us to resolved the issue.
Where can I access my membership account agreement?
You can view the Member Service Agreement. Please contact a Member Service Rep at (601) 806-3328.
If I make a mobile deposit, how much money is available right away?
All deposits made virtually are made available immediately upon review of the negotiable item by Ferguson Staff. The availability of funds is determined by business hours and the type of item deposited. See our Member Service Agreement for further information.
As retirees, will we get approved on our fixed incomes?
Just because you’re retired doesn’t mean you’re no longer able to purchase a home. In fact, purchasing a home as a retiree might be much easier than you think. There are multiple methods lenders can use to qualify a retiree for a home loan. Talk to a Mortgage representative about your options for financing and what you’ll qualify for based on your assets and income.
Ferguson Anywhere
How do I enroll in online banking?
It only takes a few moments to enroll in online banking. You will need to know your member number, have a valid email address on file, and answer a few questions to verify your identity. If you need to update your personal information or email address, you can call us at (601) 806-3328 or video chat via our Ferguson Anywhere app.