A Common Bond. An Uncommon Commitment To Our Members.
Online Banking
Routing Number: 221277007
Member Services:
(888) 423-7265

Loan Rates

Interest & Terms

Auto

New Car Loans

100% financing including tax and title on NEW cars.

Rate Term Maximum Amount Conditions
as low as 3.00% 24 months
as low as 3.50% 36 months
as low as 4.00% 48 months
as low as 4.50% 60 months
as low as 5.50% 72 months Must be over $20,000.
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

Pre-Owned Car Loans

100% book value (Retail)

Rate Term Maximum Amount Conditions
as low as 3.00% 24 months 2010 through 2012
as low as 3.50% 36 Months 2013 through 2017
as low as 4.00% 48 Months 2018 through present
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

New Recreational Vehicle Loans

Includes new boats, ATVs, motorcycles, trailers and motor homes.

Rate Term Maximum Amount Conditions
8.00% Up to 60 months Less than $20,000.00 100% Dealer MSRP
8.00% Up to 84 months $200,000.00 100% Dealer MSRP
  • Available with RV's (trailers and motor homes) over $20,000.00, up to a maximum of $200,000.00.
  • Less than $20,000.00 the maximum term is 5-years.
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

Used Recreational Vehicle Loans

Includes used boats, ATVs, motorcycles, trailers and motor homes.

Rate Term Maximum Amount Conditions
8.50% Up to 60 months Less than $20,000.00 100% of book value (retail)
8.50% Up to 84 months $100,000.00 100% of book value (retail)
  • Available with RV's (trailers and motor homes) over $20,000.00, up to a maximum of $100,000.00.
  • Less than $20,000.00 the maximum term is 5-years.
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

Mortgages

Real Estate Loans (Mortgage/Refinance)

For current rates, please call our toll-free number (866) 443-4961.

Personal Loans

Signature Loans

This is for a personal loan up to a maximum amount of $15,000.

Rate Term Maximum Amount Conditions
as low as 7.50% 24 months $15,000.00 Must have over 6-months of employment.
as low as 7.50% 36 months $15,000.00 Must have over 6-months of employment.
as low as 7.50% 48 months $15,000.00 Must have over 6-months of employment.
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

Share Secured Loans

Rate Term Maximum Amount Conditions
3% above current dividend rate Maximum of 48 months 100% fully secured
4% above current dividend rate Maximum of 48 months 50% secured
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.

Education Loans

Special Loans

Rate Term Maximum Amount Conditions
8.50% 2-Years Up to $2,500.00 Computer related purchase
8.50% 3-years Up to $5,000.00 Education (including technological)
  • All loan applications will be subject to a credit bureau report before the loan is approved.
  • Loans must be paid down 30% before refinancing is available.
  • A hold of $100.00 will be placed on your main share account for the duration of any loan with B-MS Federal Credit Union.
  • Loan policy and rates subject to change without prior notice.