Loan Products


Sometimes you need a loan so you can use the money however you need whether it's bills, vacation, or other expenses, we have you covered.

A Share or Certificate Secured Loan is secured by your own Share Savings Account or Certificates. Continue to earn dividends while paying a low interest rate on your loan.

Need to establish credit? This loan is for you. Proceeds will be deposited in a special savings account and held as collateral while you make timely payments to establish your credit.

Enjoy yourself because we have the loan for you! Boats, ATVs, Motorcycles, Utility Trailers, RVs, Campers, Lawn Mowers and Farm Equipment!  Experience our competitive rates.

Let MSFCU help you with your short term financial needs.

FREEDOM LOAN Qualifications:

  • Member of MSFCU for 6 months with an open and active account.*
    (*Active Account includes routine/consistent deposits equal to or greater than loan payment.)
  • Member must be 21 years old.
  • Must be in good standing with MSFCU on all accounts (including joint accounts).
    (Paid share charge-offs are eligible for a Freedom Loan 90 days from the date paid in full)
  • MSFCU Credit Cards must be current.
  • No outstanding balance on a Freedom Loan.
  • Current paycheck stub must be submitted with this application (no more than 30 days old).
    (Also, please include proof of any additional income, if applicable.)
  • Accounts in courtesy pay/overdraft are not eligible.
  • $20 Application fee must be available in account.
  • Loan amount will be determined using your financial capacity to repay this debt.

Need to buy a lot or land to build your new home? A Land Loan is just what you need! Please email


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