Benchsmart Federal Credit Union

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Review based on 12 criteria Rating: 0 out of 5

803 E Fifteenth St, Yazoo City, MS, 39194-7607

Website

662-746-0048

Benchsmart Federal Credit Union was founded in 1952. Headquartered in Yazoo City, Mississippi, Benchsmart Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF).

As of December 31, 2013, Benchsmart Federal Credit Union services 1,483 members through its 2 offices and branches and 5 full-time and 1 part-time employees. It has $10,168,572.00 of total assets and $1,190,741.00 of net worth. Based on its asset size and net worth ratio, Benchsmart Federal Credit Union is classified as a Well Capitalized medium small size credit union.

Benchsmart Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Benchsmart Federal Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

Benchsmart Federal Credit Union’s membership type is defined as Manfacturing – chemicals. If you are interested in joining Benchsmart Federal Credit Union, please visit their website or call 662-746-0048 for details. If you are a current member of Benchsmart Federal Credit Union or have used any of their services or products, please rate them and leave your comments.

The following two tables list the depository and loan interest rates of Benchsmart Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Mississippi and in the nation.

Major Depository Accounts and Interest Rates (%)

Interest Rate
Median Rates of Mississippi
National Median Rates
Checking
0.0000
0.0000
0.0000
Savings
0.0500
0.3000
0.1500
Money Market
0.3000
0.3500
0.2400
Certificate Deposit
1.0000
0.7500
0.5000
IRA
1.0000
0.5100
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Mississippi
National Median Rates
Credit Cards
10.9000
9.9900
Unsecured Line of Credits
10.0000
13.3300
11.0000
Short-term Small Amount
28.0000
22.6000
Student Loans
6.8400
6.0350
New Car Loans
4.9900
5.1550
3.9120
Used Car Loans
5.4900
7.7000
4.9900
1st Mortgage Real Estates
7.5000
5.9000
4.5200
Other Real Estates
10.5000
6.1295
5.0000

Benchsmart Federal Credit Union provides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, and ATMs. The table below lists the electronic banking services provided by Benchsmart Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
No
Loan Payments
Yes
Merchandise Purchase
No
Account Balance Inquiry
Yes
No
Merchant Processing Service
No
View Account History
Yes
No
No
Download Account History
Yes
No

As a community financial institution, Benchsmart Federal Credit Union actively involves in local communities by providing services such as financial counseling , and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Branch Office
4608 Highway 49 E
Yazoo City, MS 39194-2318
Phone:662-751-2431

Main Office
803 E Fifteenth St
Yazoo City, MS 39194-7607
Phone:662-746-0048

662-746-0070

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  1. Cuhub Staff
    Cuhub Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:29 pm

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