Terry Baker

Chief Credit Officer

With over 30 years of experience in consumer, mortgage, and commercial lending, Terry Baker brings a wealth of knowledge and leadership to his role as Chief Lending Officer. Throughout his career, Terry has helped countless members and businesses achieve their financial goals by providing thoughtful lending solutions and personalized guidance. His deep expertise, paired with a passion for building lasting relationships, ensures that members receive both the professionalism and personal attention they deserve.

Terry’s leadership philosophy is centered around trust, transparency, and teamwork. He has a proven track record of strengthening lending operations, developing innovative programs, and supporting teams in delivering exceptional service to the community.

When he’s not leading the lending team, Terry enjoys spending time on the golf course and cheering on his beloved Ole Miss Rebels. Whether it’s perfecting his swing or catching the latest game, Terry brings the same dedication and enthusiasm to his personal passions as he does to serving members.