About Us

Southern Mississippi Federal Credit Union (SMFCU) is a full service not-for-profit financial institution that is owned by the members it serves. We are dedicated to providing a wide variety of services, all with competitive rates and fees for the members we serve. We have a large group of sponsors that includes not only The University of Southern Mississippi but many other organizations as well. Please see the Sponsor page for a listing of the current field of membership. Employees of the sponsors, both current and former students of USM and immediate family members of a member of the Credit Union are eligible to join SMFCU.

Through our shared branching network, we offer our members access to over 55 branches in Mississippi and over 4,900 branches nationwide. In addition, we are members of the CU 24 ATM Network which offers members access to more than 300,000 ATM terminals located throughout all 50 states and multiple international locations with over 70,00 surcharge-free ATMs in the Credit Union 24 CU HERE program.

Our credit union members can pay for purchases with their free debit cards at hundreds of thousands of locations, including most major national retailers and local merchants. We offer online banking, online electronic bill payments and Teller Phone 24 Audio Response which allows you to check your balance or transfer funds all as a free service to our members.

Your lifetime membership in the Credit Union begins with opening a share account and maintaining a balance of $25. SMFCU is regulated by the National Credit Union Administration (NCUA), and deposits are insured to at least $250,000. At Southern Mississippi Federal Credit Union you will not be treated like just another customer of a bank, but like an owner. Your membership in SMFCU gives you the right to vote for the volunteer directors that are elected each year at the annual shareholder’s meeting. If you are not a member don’t you think it is about time to join? To receive more information, call, come by or email us at info@smfedcu.com to see about joining.

Our Location

3318 Hardy Street
Hattiesburg, Mississippi 39401

Local: 601-450-4114
Toll Free: 877-876-3281
Fax: 601-261-5305
E-mail: info@smfedcu.com

Monday through Thursday: 8:30 - 4:30
Friday: 8:30 - 5:00

Drive Inn opens at 8:00am Wednesday, Thursday at 7:45am Friday

Teller-phone 24 hour service
Check your balance, make transfers or add to your line of credit.
601-261-0244 or Toll Free 877-261-0244


General Information
(601) 450-4114
Email: info@smfedcu.com

John S. Harmond, President & CEO
Email: jharmond@smfedcu.com
Telephone (601) 450-5376

JoAnn Pope, Vice-President
Email: jpope@smfedcu.com
Telephone (601) 450-5375

Brenda Tyner, Loan Officer
Email: btyner@smfedcu.com
Telephone (601) 450-5378

Sandra Robinson, Loan Officer
Email: srobinson@smfedcu.com
Telephone (601) 450-5373

New Accounts
Email: newaccounts@smfedcu.com
Telephone (601) 450-5371

Telephone (601) 450-4114

Debit Cards, Share Drafts, ACH & Stop Payments
(601) 450-5380
To report a lost debit card after hours and on weekends (800) 554-8969
To report a lost credit card after hours and on weekends (800) 325-3678

Teller Phone 24 • Audio Response 
Check your balance, make transfers or add to your line of credit.
(601) 261-0244 or Toll Free (877) 261-0244

Accounts Payable
(601) 450-5382

The Board of Directors of Southern Mississippi Federal Credit Union serve on a voluntary basis and are elected each year by the members of the credit union.  The following are the current members of the board:

Russ Willis, Chairman
Tommy Rocconi Dr. Barbara Gandy Denise Cartlidge
Dr. Bill Smith Janet Mays Montgomery, CPA Ray Scott

In addition to the board of directors the following serve on the supervisory committee of the credit union:

Allyson Easterwood Chairman ,CPA
David Bounds John Hayman
Ray Scott , Board Representative


Holiday Closings

2015 2016
New Year's Day Jan 1 Jan 1
Martin Luther King, Jr. Day Jan 19 Jan 18
Presidents' Day Feb 16 Feb 15
Memorial Day May 25 May 30
Independence Day July 3 July 4
Labor Day Sept 7 Sept 5
Columbus Day Oct 12 Oct 10
Veterans' Day Nov 11 Nov 11
Thanksgiving Day Nov 26 Nov 24
Family Day Nov 27 Nov 25
Christmas Day Dec 25 Dec 26
Note: Christmas Eve the office closes at 12:00 p.m.

Lost or Stolen VISA Card After hours and weekends phone number

VISA Debit Card - 1-800-554-8969
VISA Credit Card - 1-800-325-3678

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