4.06 APY


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Mississippi Public Employees

Serving State, City, County, and Federal Employees of Mississippi

Loan Rates Savings Rates Term Share Rates Credit Card Rates Fees

Effective as of: January 3, 2024
Loan Rates
Loan TypeCredit ScoreAPR*Max Term
Signature Loan
Signature Loan 660 and up 6.50 %12 Months
Signature Loan 659 - 620 8.00 %12 Months
Signature Loan 660 and up 7.50 %36 Months
Signature Loan659 - 62010.00 %36 Months
Signature Loan 619 - 60019.00 %36 Months
Signature Loan599 - 51521.00 %36 Months
Automobile Loan
Automobile Loan Special660 and up 4.99 %60 Months
Automobile Loan Special659 - 620 6.99 %60 Months
Automobile Loan Special619 - 60012.25 %60 Months
Automobile Loan Special599 - 51517.99 %60 Months
Older Automobiles (10 years)825 - 62010.29 %
Motorcycle Loan
Motorcycles660 and up 6.99%60 Months, based on age
Motorcycles659 - 600 8.9960 Months; based on age
Recreational Vehicles
Recreational Vehicles 620 and up 7.00 %60 Months
Recreational Vehicles619 - 60010.50 %60 Months
Other Loan Specials
Savings SecuredAll3% over pledged account rate180 Months
Credit Builder Savings PlanAll3% over deposit account rate36 Months
$500/$700/$1000 No Credit Xmas LoanAll21.00 %6 Months
Qwik Cash LoanAll28.00 % 2 Months
Vacation Loan Special (to begin March 18, 2024)
$2000 Vacation Special660 and up 5.25 %12 Months
$2000 Vacation Special659 - 620 7.50 %12 Months
$2000 Vacation Special619 - 60014.25 %12 Months
$2000 Vacation Special599 - 51518.50 %12 Months
*APR: Annual Percentage Rate. Rates, terms and conditions are subject to change without notice at the discretion of the board of directors. Other limitations may apply. Members must meet income and credit criteria.
Loan Policy requirements (1) provide Credit Union with the most recent pay stub upon submission of your application; (2) $100.00 must be on deposit in your share account at loan closing and throughout the life of the loan.
PERFORMANCE LEVEL: APR'S are based on your Equifax Credit Bureau Score. Credit scores of 660 and higher are Performance Level A; scores of 659 - 620 are Level B; scores of 619 - 600 are Level C and scores of 599 - 515 Level D.
Ask your loan representative for further information regarding your score and ways to improve your score which will benefit you for future advances.
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