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Home – 1st Mississippi Federal Credit Union

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New Vehicles
Terms APR
36 - 48 Months 4.25%*
49 - 60 Months 5.25%*
61 - 72 Months 5.75%*
73 - 84 Months ** 6.25%*

$35,000** Minimum

  • Up to 100% financing, plus tax, title and extended Warranty
  • Terms up to 84 months
  • Competitive Rates
  • Pre-approval Available
  • Automatic payment options
  • Optional Credit Life and Credit Disability payment protection
  • Guaranteed Asset Protection (GAP) Loan Protection Coverage
  • Mechanical Repair Coverage Available
  • Use the Auto Payment Calculator below to determine what you can afford!

*Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.

Example: Monthly payments are approximately $29.65 per $1000 borrowed at 4.25% APR for 36 months.

Used Vehicle
Terms APR
36 - 48 Months 5.25%*
49 - 60 Months 6.25%*
61 - 72 Months 6.75%*
73 - 84 Months ** 7.25%*

Current Year < 10,000 miles
$35,000 ** Minimum

*Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.

Example: Monthly payments are approximately $30.09 per $1000 borrowed at 5.25% APR for 36 months.

Auto Refinance

*Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.

Example: *See Used Vehicle Rates*

  • Up to 72 months - Models 2022 - Current Year
  • Up to 60 months - Models 2019, 2020, 2021
  • Up to 48 months - Models 2017, 2018
  • Up to 36 months - All others under 150,000 miles (up to 48 months on Diesel models)
  • Up to 36 months - Vehicles in excess of 150,000 miles, ADD 2%

The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

New Tractor
Term* APR**
36 Months 6.25%*
48 Months 6.25%*
60 Months 7.25%*
72 Months 7.75%*
84 Months 8.25%*

*Actual loan rates and terms may vary based on value of tractor to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.
Example: Monthly payments are approximately $30.55 per $1000 borrowed at 6.25% APR for 36 months.

Used Tractor
Term* APR**
36 Months 8.25%*
48 Months 8.25%*
60 Months 9.25%*
72 Months 9.75%*

*Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.
Example: Monthly payments are approximately $31.46 per $1000 borrowed at 8.25% APR for 36 months.

The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Boats, Motors, Trailers, Motorcycles, ATVs, Jet Skis
Terms APR
36 - 48 Months 6.25%*
49 - 60 Months 7.25%*
61 - 72 Months 7.75%*
73 - 84 Months 8.25%*

New Only
New Boat, Motor, Trailer

NEW: Advance on the lower of the Invoice or Sale Price. USED: Advance on the lower of NADA Loan Value or Sale Price.

*Actual loan rates and terms may vary based on value of collateral to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.

Example: Monthly payments are approximately $30.55 per $1000 borrowed at 6.25% APR for 36 months.

Recreational Vehicles
  Terms APR
New/Used < $50,000 72 Months 8.99%*
> $50,000 120 Months 9.99%*

Motor Home and Travel Trailers. Loan to value not to exceed 80%.

NEW: Advance on the lower of Invoice or Sale Price. USED: Advance on the lower of NADA Loan Value or Sale Price.

*Actual loan rates and terms may vary based on value of vehicle to loan amount requested and credit history. 1st MS holds security interest until loan is paid. Normal terms apply to repossessed collateral. Talk with a Loan Specialist at 1st MS for complete details.

Example: Monthly payments are approximately $31.81 per $1000 borrowed at 8.99% APR for 72 months.

The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Unimproved Real Estate (Land Only)
Terms APR
60 Months 7.49%*

5 year balloon up to 180 month schedule available.
*Rates based on creditworthiness and credit union relationship, so your rate may differ. Taxes and insurance not included, therefore the actual payment obligation will be greater.

  • 1st MS has mortgage loans available for the kind of home or property you want for you and your family. 1st MS has funds available to bring you and your family closer to the home of your dreams!
  • Financing is available for first-time homebuyers seeking a low down payment
  • Fixed-rate and Adjustable Rate Mortgages are available
  • Offers refinancing options for members with first mortgages from Partnered Secondary lenders
  • More flexibility in qualifying
  • Maximum loan amounts are determined by property location and home evaluation
Improved Real Estate
Terms APR
60 Months 5.49%*
120 Months 5.99%*
15 Year Fixed 6.74%*

5 year balloon up to 360 month schedule.
Note: Double-wide modular homes with real estate - 5 year balloon up to 300 month schedule.
*Rates based on creditworthiness and credit union relationship, so your rate may differ. Taxes and insurance not included, therefore the actual payment obligation will be greater. NOTE: MORTGAGE LOAN RATES DIFFER FOR MORTGAGE LOANS PLACED IN THE SECONDARY MARKET. CONTACT OUR MORTGAGE LOAN DEPARTMENT AT 601-557-1662 FOR CURRENT RATES.

Check into 1st Mississippi's Checking Accounts that fit your lifestyle. Choose an account that makes your life easier.

Account Type Minimum Balance** Dividend APY*
Regular Checking $1,000.00 0.15%
1st Advantage Checking $500.00 0.15%
Check Again Checking $1,500 0.15%

*Annual Percentage Yield
**Minimum deposits required to open, no daily balance requirements

Save for the things you want in life. And make money on your money while you do it.

Account Type Minimum Balance** Dividend APY*
Basic Savings $100.00 0.20%
1st Beginnings Savings $100.00 0.20%
Christmas Club $100 2.00%
Vacation Club $100 0.20%
High Yield $100.00 - $7,499.00 0.20%
High Yield $7,500.00 - $24,999.99 0.45%
High Yield $25,000.00 - $49,999.99 0.45%
High Yield $50,000.00 - $249.999.99 0.50%
High Yield $250,000.00 and above 0.50%

*Annual Percentage Yield
**All rates listed are subject to change without notice; early withdrawal penalties apply

1st MS offers the one place that you can share and make money on your money. Now, that's making the most out of your life!

Term* APR** APY***
6 Months 1.50% 1.51%
6 Months Special N/A 5.00%
12 Months 2.25% 2.27%
18 Months 2.25% 2.27%
24 Months 2.25% 2.27%
30 Months 2.00% 2.02%
3 Years 2.00% 2.02%
4 Years 2.00% 2.02%
5 Years 2.00% 2.02%

*Early withdrawal penalties apply
**All rates listed are subject to change without notice
***Annual Percentage Yield

If You need hunting gear, a new computer for the school year, or new appliances for your home? 1st MS provides you the opportunity to get what you want out of life!

Loan Type Terms** Rates*
Signature/Unsecured See a 1st MS Loan Officer 9.99%
Share Secured See a 1st MS Loan Officer 3.99%
CD Secured See a 1st MS Loan Officer CD + 2.00%

*Rates are based on creditworthiness, so your rate may differ.
Personal Loan Payment Example: Loan amount of $10,000 at 9.99% APR for 60 months has a payment of $212.48
Share Secured Loan Payment Example: Share rate plus 2.00%. Loan amount of $3,000 at 5.75% APR for 36 months has a payment of $90.93
**See a 1st MS Loan Officer to verify rates indicated above
The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.