Box up a low-rate mortgage

Now is the time to box up a low-rate mortgage with us and get ready to move, or refinance and stay right where you are! Whether you’re in the market for a new home loan, or you want to refinance the loan you have, we can assist you with a variety of mortgage options. MidSouth Community Federal Credit Union has partnered with Credit Union Financial Services (CUFS) to bring a variety of affordable and trustworthy mortgage products to serve our members. For more information and to apply for a home loan, or to refinance an existing one, complete an online application at cufs.org, or call 800.503.6855.


Man and woman lie on ground next to paint brushes and tools

Home Equity

BIG dreams. Not so big rates.

Tap into your home’s equity to make your home improvement dreams come true, take that much-needed vacation, or even pay for college or any of life’s other big expenses.

  • Introductory rate as low as 2.99%* APR for the first 6 months
  • MidSouth Community FCU pays closing costs**
  • Credit limits $10,000 – $150,000
  • Borrow up to 100% of the value of your home***
  • Interest-only during draw period (first 10 years)

Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms and conditions are subject to change without notice. Membership requirements apply. *Annual Percentage Rate | Introductory rate as low as 2.99% APR is fixed for the first six (6) months. Applicable rates apply after the introductory period. Rates listed are our best rates based on credit approval and our lending requirements.  Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Annual Percentage Rate as low as Prime + 0%. Rates are variable and based on Prime as published in The Wall Street Journal, with a ceiling of 18.00%. **If loan is closed within first 24 months, borrower will reimburse the credit union for closing costs. Minimum $10,000 initial advance. ***Property must be primary residence and located in the state of Georgia. Neither modular, nor mobile homes are eligible.

To apply, please contact or visit a branch location near you.