1st Mississippi Federal Credit Union

Rates

Rates - Effective 9-8-11

Auto Loans View Details

Model Term APR as LOW as * Estimated Payment / $1000
New Vehicle 36 Months 5.25% $30.08
48 Months 5.25% $23.14
60 Months 5.49% $19.10
72 Months 6.49% $16.81
84 Months 6.99% $15.09
Used Vehicle 36 Months 5.25% $30.08
48 Months 5.25% $23.14
60 Months 5.49% $19.10
72 Months 6.49% $16.81
Auto Refinance

REFINANCE SCHEDULE ONLY APPLIES TO RETAIL INSTALLMENT CONTRACTS DATED SIX MONTHS OR LESS FROM CURRENT DATE

36 Months 5.99% $30.42
48 Months 6.49% $23.71
60 Months 6.99% $19.80
Current Year <15,000 mi 72 Months 7.49% $17.29

* Estimate includes principal and interest only.

Home Equity View Details

5 YR Balloon up to 360 Month Schedule w/ Real Estate
HELOC 1st & 2nd MTG.
(NO FLOOR) PRIME
+ .5% + 1% + 1.5% + 2% + 2.5% + 3.5%
TACK-ON Equity Loans
UP TO 60 Months
9.75% 10.75% 11.75% 14.99% 16.99% 17.99%

Other Loans View Details

Loan Type Max Term            
Signature/Unsec. See Loan Matrix 9.75% 10.75% 11.75% 16.99% 17.99% 17.99%
Share Secured See Loan Matrix 5.75% 5.75% 5.75% 5.75% 5.75% 5.75%
CD Secured See Loan Matrix CD + 2.00% ----- ----- ----- ----- -----
Boats / Motors / Trailers / Motorcycles / ATVs / Jet Skis / Used RV's (NADA Loan Value) (Purchase Security Interest)
  Term            
  36 Months 6.25% 6.49% 7.99% 12.99% 16.99% 17.99%
  48 Months 6.49% 6.99% 8.49% 12.99% 17.99% 17.99%
New Only 60 Months 6.99% 7.49% 8.99% 12.99% 17.99% 17.99%
New Boat / Motor / Trlr 72 Months 6.99% 7.49% 7.99% 13.49% 17.99% 17.99%
Used Boat / Motor / Trlr 72 Months            
Recreational Vehicles 80% LTV (Sale Price) (USED - NADA Loan Value)
NEW / USED < $50,000 72 Months 6.99% 7.49% 8.99% 12.99% 14.99% 15.99%
> 50,000 120 Months 7.99% 8.49% 9.49% 14.99% 15.99% 16.99%

Checking

 

Basic Checking: Minimum Balance of $1,000.00 Dividend APY 0.05%

1st Advantage Checking: Minimum Balance of $500.00 Dividend APY 0.05%

Savings

Basic Savings: Minimum Balance less then $2,500.00 and over $2,500.00 Dividend APY 0.20%

1st Beginnings Savings: Minimum Balance $100.00 Dividend APY 0.25

High Yield: Minimum Balance $7,500.00- $24,999.99 Dividend APY 0.50%

High Yield: Minimum Balance $25,000.00- $49,999.99 Dividend APY 0.60%

High Yield: Minimum Balance $50,000.00- $249,999.99 Dividend APY 0.70%

High Yield: Minimum Balance $250,000.00 and over Dividend APY 0.85%

Share Certificate

Certificates*** (Includes IRAs)
Term APY
6 Months 0.50%
12 Months 0.75%
18 Months 1.01%
24 Months 1.06%
30 Months 1.11%
36 Months 1.26%
48 Months 1.37%
60 Months 1.52%

***CDs $95,000+ are negotiable.