1st Mississippi Federal Credit Union

Loan Rates
Savings Rates

Auto Loans

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 125% 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 Vehicles
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

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

Auto Refinance

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.

Tractor Loans

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%*

Mortgages

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

5 year balloon up to 240 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
Offers refinancing options for members with first mortgages from Partnered Secondary lenders
More flexibility in qualifying
Maximum loan amounts are determined by the home's valuation

Improved Real Estate
Terms	APR
60 Months	5.49%*
120 Months	5.99%*
15 Year Fixed	6.74%*

5 year balloon up to 240 month schedule.
Note: We finance mobile homes for up to 300 months depending on mobile home size and loan amount.
*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 601-484-5630 FOR CURRENT RATES.

Personal Loans

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!

Personal Loan Rates
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.

Other Collateral Loans

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 Vehicle Loans
Price	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.

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

Savings

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

Savings Rates
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	0.65%
High Yield	$25,000.00 - $49,999.99	0.65%
High Yield	$50,000.00 - $249.999.99	0.70%
High Yield	$250,000.00 and above	0.70%

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

Checking

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

Checking Rates
Account Type	Minimum Balance**	Dividend APY*
$0.01 - $25,000 (Achieved Goals)	0.35%	0.35%
$25,001 & Up (Achieved Goals)	0.15%	0.15%
Any Balance (Unachieved Goals)	0.15%	0.15%

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

Share Certificates

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!

Share Certificate Rates
Term*	APR**	APY**
6 Months	1.75%	1.77%
12 Months	2.50%	2.53%
18 Months	2.50%	2.53%
24 Months	2.50%	2.53%
30 Months	2.25%	2.27%
3 Years	2.25%	2.27%
4 Years	2.25%	2.27%
5 Years	2.25%	2.27%

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