Statewide Federal Credit Union

Membership extends to employees and retirees of hundreds of named Mississippi employers — including Ergon, Blue Cross/Blue Shield of Mississippi, Flexsteel, and the City of Starkville — as well as students and staff of Mississippi State University, Delta State University, and Mississippi Valley State University. Federal employees stationed in Mississippi, members of select associations such as Friends of Flowood Library, and immediate family of existing members are also eligible.

Statewide is a member-owned cooperative, not a shareholder-owned bank. Net income is returned to members through lower loan rates, higher savings yields, and reduced fees rather than distributed to external owners. Its governance structure and tax status as a credit union also impose different capital and lending constraints than those of commercial banks.

Statewide promotes consumer lending products including auto loans — with a 90-day no-payment option — and personal financing solutions. Deposit products and free ATM access round out the retail offering. The credit union does not publicly detail commercial lending or mortgage portfolios beyond consumer lines.

Yes. Statewide employs Certified Financial Counselors available to members for personalized financial guidance. The service is positioned as part of the credit union's member-centric model, distinguishing it from transaction-only digital banks.

Statewide operates physical branches in four Mississippi cities: Flowood, Starkville, Columbus, and Cleveland. The credit union's name reflects its statewide field-of-membership ambition within Mississippi, though it does not claim branches beyond these four locations.