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The Credit Union offers Loans for nearly any imaginable purpose. We also have links to various Web sites that might be of use to you.

Auto loans - we finance up to 100% of a vehicle purchase. Home Improvement loans Home equity loans Share and Certificate secured

Signature loans Open end loans RVs Water crafts Mobile homes

* New real estate purchases not originated at the credit union

Interest rates at the Credit Union are generally lower than other financial institutions. You pay finance charges only on the principal balance, not a pre-computed amount. Compare the monthly payments (not just rates) at the Credit Union before signing the dotted line somewhere else. Remember, it is the total cost of financing that's important.

Automatic Payments are offered on all loans. Take the worry and expense out of monthly loan payments. We will transfer your payment from any of your share/saving or share draft/checking accounts. Payroll Deduction or Direct Deposit can be applied directly to your loan. No fuss ...No late payments.

Credit Insurance is available in case of death or disability. The cost of this insurance is frequently lower at your Credit Union than at other lenders.


Home Equity Loans - either fixed-rate / fixed-term or a variable-rate Line of Credit, based on appraised value.

Fixed Rate / Fixed Term Simple interest No prepayment penalties Up to 20-year pay back

Variable-Rate Line of Credit Simple interest No closing costs No prepayment penalties Line of credit accessible by check

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Check the current MSEFCU loan rates

The GEM account is an open-end loan for which you make a one-time application. Once approved, you can receive a cash advance by merely logging on through CU Connect and requesting a check.

• Pre-approved credit limit
• One-time application
• Use for anything
• Receive advances by transferring to share or share draft accounts through PAT, CU Connect and of course you may phone or stop in.
• Use an overdraft option for share draft/checking

As soon as an advance is requested, the money is immediately available. Monthly payments are based on the balance after the most recent advance and do not change until a member receives the next advance. The minimum monthly payment is 4% of new balance but not less than $20.00. There are no prepayment penalties.

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From time to time the credit union has pre-owned vehicles for sale. Check out our list of pre-owned vehicles available and you can even place a bid.

Useful links:

NADA
Kelley's Bluebook
Edmund's
Carfax

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Equal Housing Lender

American Share Insurance

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act 12 CFR 701.31(d)(1)(i)

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