Don’t pay more than you have to in interest. When you speak with one of our experienced Lending Specialists, we’ll review your current loan rate and monthly payment to see how switching to a loan at MidSouth Community can save you money!
*Annual Percentage Rate is accurate as of October 31, 2019. Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements. Rates are accurate as of the above date and are subject to change. Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Programs, rates, terms and conditions are subject to change. Secured loans financed that are older than 2011 year model, or mileage greater than 125k, will be priced at signature loan rates. Membership requirements apply.
Insurance and warranty products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member’s choice; and Credit Union makes no representations as to the services of any provider.
Are you looking for one-stop shopping when it comes to buying a new or used car at a local dealership? Our Indirect Lending auto program allows you to obtain a MidSouth Community auto loan directly at participating dealerships. It’s the quick, convenient way to drive away in your new car or truck! You can even set up your auto loan to be paid automatically from your share or checking account.
Learn who our participating auto dealerships are.
MortgagePurchasing a home is one of the biggest investments you’ll make in your lifetime, and that’s why it’s important to work with a lender that’s looking out for your best interests, not their profit. MidSouth Community Federal Credit Union is excited to partner with Credit Union Financial Services (CUFS) to bring a variety of affordable and trustworthy mortgage products to serve our members. If you are thinking of buying a home or refinancing the one you already own, stop by a branch or visit cufs.org for an expert consultation.
You re-imagine your home. We’ll supply the loan! The possibilities are endless when it comes to renovating your home. Now is the perfect time to put your money to work for you by getting a home equity line of credit at our special intro rate and no closing costs!
- 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. *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.
***Annual Percentage Rate. Introductory rate as low as 2.99% APR is fixed for the first six (6) months. Applicable rates apply after intro 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%.
To apply, please contact or visit a branch location near you.
A low interest Personal Loan at MidSouth Community is a great way to borrow for any purpose you may have including debt consolidation, vacations, a wedding, or even covering unexpected financial expenses.
Choosing the right loan is important. The wrong loan could end up costing you more in unnecessary fees and interest. If you’re unsure which loan is right for you, consider seeking advice from one of our Lenders in the Lending Center. We’ll review your current loan rates and monthly payments to see how switching to a loan at MidSouth Community can save you money!
Debt Consolidation Loan
Are you ready to trim the financial fat and lose the heavy weight of debt for good? MidSouth Community can help you trim the financial fat of your outstanding balances on credit cards and personal loans with a Debt Consolidation Loan. Consolidate your high interest debt into a single payment and save over the life of the loan.
Borrow up to Rates as low as
$30,000* 9.00% APR**
*Loans subject to credit approval. **Annual Percentage Rate is accurate as of December 20, 2018. Rates listed are our best rates based on credit approval & our lending requirements. Rates are accurate as of the above date & are subject to change. Actual interest offered may be higher depending on applicant’s credit rating & other underwriting factors. Rates & terms subject to change. Membership requirements apply.
Visa® Credit CardsYour credit card should offer convenience, not high costs. Don’t spend more on fees and interest charges than you have to and discover the savings of a MidSouth Community Visa® Credit Card.
Enjoy the following benefits:
- 10.40% APR*
- Credit limits up to $20,000
- No annual fee
- No transaction fee for cash advances
- No minimum finance charge
- No balance transfer fee
Not a MidSouth Community VISA® card holder yet? Contact our Lending Center at 478.475.7819 to apply for your MidSouth Community VISA® Credit Card.
Visa® Credit Card Rates
Find out more information about our credit card rates and Credit Card Agreement.
Contact VISA® at 1.800.847.2911 for general credit card inquiries, or to find out more about your card benefits.
*Annual Percentage Rate. This rate is our best VISA® card rate. VISA® applications are subject to credit approval. Certain terms & conditions apply. The variable rate is based on the Prime Rate published in The Wall Street Journal as of the last business day of the quarter, preceding the billing cycle. Membership requirements apply. See credit union for full details.
MidSouth MyCard AppNo matter how careful we are with our credit and debit cards, accidents can happen.
Our MidSouth MyCard App gives you peace of mind with the ability to instantly suspend, or lock, your MidSouth VISA debit or credit card if you have misplaced it, or suspect fraudulent activity. Then you can unlock it when the card turns up.
Users can also view the transaction history for both credit and debit cards, set transaction limits or blocks on your card account, as well as report a lost or stolen card. Additionally, the app’s fully integrated Alerts and Controls solution provides real-time notifications via email or SMS. Planning a trip? Users can input their departure date and destination ahead of time to avoid any declined purchases.