Mississippi Federal Credit Union

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A short history of Mississippi FCU

Since its inception in 1958 the Mississippi Federal Credit Union has been serving its members in the JACKSON, Mississippi area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by MIKE LIGHTSEY, the Mississippi FCU has grown its membership to over 18,039 with assets of more than $117,205,620. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (601) 351-9200 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in JACKSON, MS.

General Information For Mississippi FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24585
Address PO BOX 55889 
State Mississippi 
Zip-Code 39296
Phone Number (601) 351-9200
Fax Number (769) 251-0864
Email Address: none
Members 18,039 
Full-Time Employees 37 
Part-Time Employees
Number of Branch Offices
Total Assets 117,205,620 
Website http://WWW.MSFCU.US 

Compare Mississippi Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Treasury Employees CU Main Office 100 W Capitol St Ste 1059 39269 (601) 355-5411 No 0.29
Eagle Express CU Main Office 567 S State St 39205 (601) 355-6363 No 0.36
Mississippi Public Employees CU Mississippi Public Employees Credit Union 613 S West St 39201 (601) 948-8191 No 0.42
Mississippi Dhs CU MS DHS FCU 767 N PRESIDENT ST 39202 (601) 354-6544 No 0.70
Commfirst CU MBHS Federal CU 1151 N State St 39202 (601) 938-1213 No 1.11

Mississippi Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Mississippi Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 17.99 2.49 2.49 3.69 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 552 83 51 93 200
Rank Among All Mississippi Credit Unions 22 4 2 2 6

Mississippi Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.20 0.90 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 114 190 259
Rank Among All Mississippi Credit Unions 11 26 8 21 18
Mississippi Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 17.9901,3804,208,031
All Other Unsecured Loans/Lines of Credit 10.2501,9747,014,384
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.0001,396880,647
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.4902054,397,473
Used Vehicle Loans 2.4901,37920,343,727
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.69021221,857,828
Total Other Real Estate Loans/Lines of Credit 4.750561,911,174
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.0502442,753,899
TOTAL LOANS & LEASES 6,84663,367,163

Mississippi Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 8511,593,7614768,725
    b. 15 Years or less 1129,331,2193480,500
    a. > 15 years 1105,66700
    b. 15 Years or less 2342,9341112,575
Other Fixed Rate 12484,2474178,459
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 561,911,17410666,100
Open-End Fixed Rate 0000
TOTALS 26823,769,002222,206,359


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Mississippi Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes