Loans

Auto

msfcu-auto-featuredMidSouth Lending Center

The MidSouth Lending Center makes it easy and convenient to apply for a loan.  Let us help you discover how you can SWITCH your loan to SAVE you money! Don’t pay more than you have to in interest. When you speak with a one of our Lending Specialists, we’ll review your current loan rates and monthly payments to see how switching to a loan at MidSouth Community can save you money!

Call 478.475.7819 to get started.

Annual Percentage Rate is accurate as of August 1, 2016. Rates listed are our best rates 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. *Quoted at A+ credit. Programs, rates, terms and conditions are subject to change. Membership requirements apply. Secured loans financed that are 2007 year model or older, or mileage greater than 125k will be priced at signature loan rates.

Indirect Lending

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.

 


Helpful Loan Calculators

These calculators are intended for informational purposes only. The rates and amounts reflected in the calculations are not a substitute for other qualifications that are required for loans.

Home

msfcu-home-featuredMortgage

Purchasing 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.

Learn more about CUFS Mortgage Services

Home Equity

Are you worried about interest rates rising soon? 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 $5,000 – $150,000
  • Borrow up to 100% of the value of your home**
  • Interest-only during draw period (first 10 years)
  • Interest may be tax deductible***

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. ***Consult your tax adviser.

****Annual Percentage Rate. Intro rate good until December 31, 2017. 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.

Personal

msfcu-personal-featured_v2A 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!

Call 478.475.7819 to get started.

Annual Percentage Rate is accurate as of August 1, 2016. Rates listed are our best rates 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.


Helpful Loan Calculator:

This calculator is intended for informational purposes only. The rates and amounts reflected in the calculations are not a substitute for other qualifications that are required for loans.

Visa® Credit Cards

msfcu-visa-featuredYour 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:

  • Variable rates as low as 9.15% APR*
  • No annual fee
  • No transaction fee for cash advances
  • Free travel reservations and accident insurance available on select cards

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.

Report lost or stolen cards.

*Annual Percentage Rate is based on credit history. MidSouth Community will use the Prime Rate published in The Wall Street Journal as of the last business day of the quarter, preceding the billing cycle, to calculate the variable rate.


Helpful Credit Card Calculator:

This calculator is intended for informational purposes only. The rates and amounts reflected in the calculations are not a substitute for other qualifications that are required for loans.