CenturyFirst Federal Credit Union (CFFCU) 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 CFFCU.