Personal Loans - Mississippi Federal Credit Union (2023)

Online Home Banking Security

With Home Banking our members can:

  • View current balances, deposits or withdrawals, cleared checks and account history. (checking)
  • View image of written checks.
  • Sort historical data by amount, check number, or type of transaction.
  • Set up transfers.
  • Transfer funds from one MSFCU account to another, including repeating transfers.
  • Make loan payments using checking or savings account.
  • Download data into Quicken.
  • View and print E-Statements.
  • Set up text or email alerts for balances, check clearing, transaction or loan payment.
  • Make payments from checking account to 3rd parties using Bill Pay.
  • Send Secure Messages.
  • Deposit checks using Remote Deposit Capture and MSFCU mobile banking software.
  • Send Text to Request Balance.

Home Banking Security

Home banking uses two factor authentication to log in.

  • SSL (secure sockets layer) with 128 bit encryption which ensures that your connection and information safe.
  • Secure Web servers are protected by firewalls, authenticated with third-party digital certificates, and covered by the latest security precautions.
  • Encrypted passwords are invisible to everyone except the member.
  • A Pin is required to authenticate during the log in process of Home Banking. The pin can be sent to either email address or by text to you phone.

Members can be locked out of the system when they have attempted too many unsuccessful logins or when their password expires.

Regulation E: Electronic Fund Transfers
Regulation E is a consumer protection law designed to protect consumer accounts established primarily for personal, family or household purposes making electronic fund transfers. Excluded from coverage are non-consumer accounts, such as Trust, Corporations, Partnership, etc. The term “electronic fund transfer” (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs, or authorizes a financial institution either to credit or debit a consumer’s asset account. An example of EFT offered within Home Banking is Electronic Bill pay.
Regulation E gives consumers a way to notify their financial institution that an EFT has been made on their account without their permission. If you believe an unauthorized EFT has been made on your account, contact us immediately at (601) 351-9200 or toll free 1-800-643-1567.

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Consumer Safe Computing Tips:

  • Install virus protection and malware protection and make sure that the software is updated and running scans.
  • Purchase a malware program that blocks known blacklisted websites and can detect ransomware.
  • Ensure that Windows updates are turned on and that they are updating your Windows workstation.
  • Ensure wireless encryption is done on your wireless router and that the default password has been changed
  • Protect your information by making sure your workstation is logged off.
  • Protect password information and do not share it with anyone.
  • Change passwords often using a strong password, Upper and lower case, special characters and numbers, make your password a minimum of 8 characters. Use a different password for every online account that you have. Purchase a password vault to generate and protect passwords.
  • Use caution when using the internet. If you are doing transaction based processes, ensure that you are using a secure site (https://).
  • Ensure that a firewall is in place.
  • Back up your data.

Non-Consumer Members are not protected by Regulation E.
A non-consumer member using online banking and/or bill pay is not protected under Regulation E. Because the member is not protected by Regulation E, precautions should be made by the member to evaluate and review the controls in place to ensure that they are compliant with the risk level that the member is willing to accept. The member should also perform a risk assessment and evaluate the controls they have in place periodically. The risk assessment should be used to determine the risk level associated with any internet activities the non-consumer member performs and any controls in place to mitigate these risks.

  • Use firewalls with built in anti-virus/malware software, Internet Content filtering and email security. The firewall will blacklist high risk websites and offers content control, scans for viruses, blocked known spam email, etc.
  • Put a VPN in place. Install viable anti-virus/malware programs on every workstation and laptop. Ensure that updates are done daily. Install Windows updates and keep them current.
  • Encrypt hard drives.
  • Educate your employees about Cyber Security. Provide training/educational videos about Fraud/Malware/phishing, etc.
  • Maintain structured levels of security within your accounting software.
  • Monitor accounts online daily.
  • Perform regular backups

Unsolicited Contact
Notify us at once if you believe your password has been lost or stolen, or an unauthorized person has obtained access to your accounts without your permission. Telephoning is the best way of keeping your possible losses down. Telephone number: 601-351-9200 or Toll free: 1-800-643-1567.

If you believe someone has used your password or accessed your accounts through home banking without your authorization, please contact us immediately by calling 601-351-9200 or toll free: 1-800-643-1567.

MSFCU Security Commitment to our Members
Mississippi Federal Credit Union will never contact you, via text, telephone or email asking for personal information such as account number, credit card number or PIN, passwords or other confidential information.
Fraudulent emails which request personal information may be made to look like they came from Mississippi Federal Credit Union, never click any links within the email.
MSFCU will never ask for your full Social Security Number or for your debit or credit card number. We may ask you to verify the last 4 of your Social Security number, or to verify your telephone number and email addresses. We will not ask you to provide information that we already have.
MSFCU will never ask for your Home Banking credentials.

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Contacting MSFCU By Email:
To send a secure message, log into home banking and click on the Messages & Alerts menu item, then click on Message. (
You may use the email address listed on our website under Contacts, Send Message for general questions, but never include your account number or other personal information in the email.
When we send out information related to e-statements or other information to our home banking members, the ‘from’ email address will Do not reply to this email address as it is unmonitored.

Preventing Fraud or Identity Theft

  • Never reply to emails asking for personal information, banking accounts or credit card information including a debit or credit card PIN.
  • Never send confidential information using email as email is not secure.
  • Never use email to send confidential information to MSFCU. To send a secure message, log into home banking and click on the Message & Alerts menu item, then click on Message. (
  • Never click on a link in an email from someone you do not know. Best practice is to delete the email before opening. (Phishing)
  • Do not open attachments from an unexpected email.
  • Change passwords regularly using strong passwords, 8 characters or more, upper and lower case characters, special characters and numbers. The longer and more complex the password, the less likely it can be guessed. Consider using phrases as passwords. Additionally, use two factor authentication when offered.
  • Do not use the same password for all websites that you frequent. Never share your password information with anyone.
  • Assign a password or a pin to your smartphone. Do not install software from the internet on your phone.
  • Be wary of promotional scams on websites, especially social media.
  • Be very caution when using a debit or credit card on-line. Protect your information by using a vendor such as Paypal, Google Wallet, Amazon Payments or Apple Pay.
  • Never provide personal banking information to anyone offering to do Remote Deposit Capture for you.
  • Protect your credit card number and PIN when using them in public locations (such as a grocery store) or at an ATM to prevent‘shoulder surfing’.
  • When on the Internet, provide personal information only to secure websites (https) or look for a ‘Lock’ in the web address section. Do not use the ‘Remember Password’ feature of a web browser. Always clear history and cookies within a web browser no matter what device or computer being used.
  • Update anti-virus software and Windows security patches on your home computer system regularly. Install an anti-virus software on your smart phone (iphone or Android).
  • Check your monthly statements to verify all transactions and notify your credit union immediately of any additional transactions that do not belong to you. Do this for both your checking account as well as credit card account.
  • Monitor your credit report
  • Never carry all of your personal information, bank account numbers, check books, credit card pins, social security card or passwords in your wallet or purse. Memorize passwords and pins. Store your social security card at home in a safe place.
  • Report lost or stolen checks or debit/credit cards immediately to your Credit Union:

MSFCU Telephone Number: 601-351-9200
Report Lost/Stolen Credit Card: 1-800-604-0381
Report Lost/Stolen Debit Card: 1-800-643-1567

  • Never give out confidential information over the telephone. Example: Someone calls you and tells you that they are with the IRS, they tell you your taxes are delinquent and that you must pay now. Hang up the phone immediately, theIRS will never call you, especially for personal information or to demand payment over the phone. (Vishing)
  • Delete text messages directing you to a URL link or a telephone number. (Smishing)
  • Shred any junk mail with personal information. Purchase a shredder to shred all expired or unused credit cards or personal information. Protect your mailbox from theft.

Fraud Definitions:

Phishingis when Internet fraudsters impersonate a business to trick you into giving them your personal information, such as usernames, passwords and credit card details. Legitimate businesses don’t ask you to send sensitive information through insecure channels.
For example, a fraudulent e-mail may state that NCUA will add money to the member’s account for taking part in a survey. The link embedded in the message directs members to a counterfeit version of NCUA’s website with an illicit survey that solicits credit card account numbers and confidential personal information. MSFCU will never ask credit union members or the general public for personal account or personally identifiable information as part of a survey.

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  • Don’t select links in e-mails that ask for personal information.
  • Never open unexpected attachments.
  • Delete suspicious messages, even if you know the source.

Phishing via SMS, or SMishing, uses cell phone text messages or SMS (Short Message Service) to trick you into providing personal and financial information. Smishers may use URLs or an automated voice response system to try and collect your information.
Tip:In some instances, criminals have used malicious software in their text messages solicitations. To prevent further security issues, completely remove unsolicited text messages from your phone. This may take two steps: deleting the text and then completely removing it from your device.

Phishing by voice, orvishing,exploits a general trust in landline telephone services. Thevictim is often unaware that voice over Internet Protocol (VoIP) allows for caller ID spoofing, thus providing anonymity for the criminal caller. Rather than providing any informationto the caller, the consumer should verify the call by contacting the financial institution or credit card company directly, being sure to use the institution’s accurate contact information (i.e., do not use contact information the caller provides).

Shoulder Surfing:
The practice of spying while someone is using an ATM, POS, etc. to obtain personal access information.

Identify Theft:
How Thieves Get Your Information:
Identity theft affects people of all ages, races and nationalities. Anyone can be a victim. Thieves use many tactics to get your information. Some of the most common are:

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  1. Stealing wallets that contain personal identification information and credit cards.
  2. Stealing credit union statements from the mail.
  3. Diverting mail from its intended recipients by submitting a change of address form.
  4. Rummaging through trash for personal data.
  5. Stealing personal identification information from workplace records.
  6. Intercepting or otherwise obtaining information transmitted electronically.

If your wallet, Social Security number, or other personal information is lost or stolen, there aresteps you can taketo help protect yourself from identity theft.

An electronic method of capturing a victim’s personal information used by identity thieves. The skimmer is a small device that scans a credit card and stores the information contained in the magnetic strip. Skimmers have a small cameras attached which takes a picture of your pin.(See video)

What Do Thieves Do With Your Information?

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest.
Clues That Someone Has Stolen Your Information:

  • You see withdrawals from your bank account that you can’t explain.
  • You don’t get your bills or other mail.
  • Merchants refuse your checks.
  • Debt collectors call you about debts that aren’t yours.
  • You find unfamiliar accounts or charges on your credit report.
  • Medical providers bill you for services you didn’t use.
  • Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
  • A health plan won’t cover you because your medical records show a condition you don’t have.
  • The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for.
  • You get notice that your information was compromised by a data breach at a company where you do business or have an account.

Click link find out what to do right away:

Credit Bureau website and telephone numbers:

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  • If identity theft occurs, call and report it to all credit bureaus. Ask to put an initial fraud alert on your credit report. The alert will stay active for 90 days and makes it difficult for additional accounts to be opened in your name. You might discuss the option of a credit bureau freeze. As a matter of practice, review your credit report for accuracy.

1. Experianhttp://www.experian.com1-888-397-3742
2. Transunionhttp://www.transunion.com1-800-680-7289
3. Equifaxhttp://www.equifax.com1-800-525-6285


Why am I getting declined for a personal loan? ›

Some reasons your loan application could be denied include a low credit score or thin credit profile, a high DTI ratio, insufficient income, unstable employment or a mismatch between what you want to use the loan for and the lender's loan purpose requirements.

What company is the easiest to get a personal loan? ›

The easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates that they consider people with scores below the fair credit range (below 640). So even people with bad credit may be able to qualify.

What is the easiest credit union to get approved for? ›

  • Credit unions with easy membership requirements.
  • Affinity Plus Federal Credit Union Superior Money Market Account.
  • Alliant Credit Union.
  • Bethpage Federal Credit Union.
  • Blue Federal Credit Union.
  • Connexus Credit Union.
  • Consumers Credit Union.
  • Hope Credit Union Savings Account.

Does a personal loan from a credit union affect your credit score? ›

There's no mystery to it: A personal loan affects your credit score much like any other form of credit. Make on-time payments and build your credit. Any late payments can significantly damage your score if they're reported to the credit bureaus.

Is it easier to get a loan from a credit union? ›

Credit unions typically offer lower fees, higher savings rates, and a more personalized approach to customer service for their members. In addition, credit unions may offer lower interest rates on loans. It may also be easier to obtain a loan with a credit union than a larger bank.

What to do when you cant qualify for a loan? ›

Try these four short-term tactics to increase your approval odds if a lender denies your loan application.
  1. Prequalify With Other Lenders. Since different lenders have different lending requirements, try prequalifying with other lenders. ...
  2. Provide Collateral. ...
  3. Request a Lower Loan Amount. ...
  4. Increase Your Down Payment Amount.
29 Mar 2021

What is the minimum credit score for a personal loan? ›

To qualify for a personal loan, borrowers generally need a minimum credit score of 610 to 640. However, your chances of getting a loan with a low interest rate are much higher if you have a “good” or “excellent” credit score of 690 and above.

Can I get a personal loan with a credit score of 500? ›

Lenders can consider giving a personal loan to a borrower with a 500 credit score. However, most lenders have preset requirements that help determine who can qualify for a loan. If you have a 500 credit score and need a personal loan, you should identify subprime lenders.

What is the fastest way to get a loan approved? ›

Boost Your Chances of Getting Your Personal Loan Approved
  1. Clean up your credit. Credit scores are major considerations on personal loan applications. ...
  2. Rebalance your debts and income. ...
  3. Don't ask for too much cash. ...
  4. Consider a co-signer. ...
  5. Find the right lender.
6 Jan 2022

Can you get a credit union loan with a 550 credit score? ›

Yes, you can get a personal loan with a credit score of 550. You could consider getting a secured personal loan, applying for an unsecured personal loan with a co-signer, borrowing from family and friends, and checking with local credit unions which usually have a lower requirement over credit score.

Can you be denied a credit union account? ›

Yes. There are a number of reasons why a bank or credit union may refuse to open a checking account. For example: A history of writing bad checks.

Is it easier to get a personal loan from a bank or credit union? ›

Banks: Traditional banks tend to have higher credit score and income requirements than credit unions. And if you have bad credit, getting a good interest rate on a personal loan could be challenging.

How long does it take for a credit union to approve a personal loan? ›

Credit Unions

As with banks, it usually takes one to seven days to receive funds after approval. Approval itself is typically offered on the same day you apply, as long as you fit all of the requirements.

Why do credit unions deny loans? ›

Your credit score is too low

Things that make your credit score low are poor debt payment history, debt sent to collections, charged-off debts, bankruptcies and foreclosures, a judgement, high and maxed-out credit card balances, too many credit applications submitted, and even closing credit card accounts.

Do you get credit checked for a credit union loan? ›

You also won't need to pass a credit check to get an account. This is because credit unions don't usually offer overdrafts. If you need to borrow money, you can apply to the credit union for a loan. They would look at your income, savings and past history before making a decision.

Are credit unions more lenient with loans? ›

When you apply for a loan through a credit union, they look at your overall financial situation and job history to evaluate your creditworthiness, not just your credit score. The credit union process of getting approved for a personal loan may be more lenient and forgiving than that of a typical bank.

Will a credit union give me a loan with a 600 credit score? ›

A 600 credit score is not considered too low but, rather, “fair” or slightly below average in the eyes of most lending businesses and other companies. That means that you should still have access to loans with a 600 credit score but you may have to pay higher interest rates or provide down payments.

How much can credit union lend? ›

It varies between each credit union and the loan type, but you could borrow as little as €500 up to €40,000 or €100,000, and anywhere in between.

How do you get money fast when you cant get a loan? ›

19 Ways to Find Fast Cash
  1. Sell spare electronics. ...
  2. Sell your gift cards. ...
  3. Pawn something. ...
  4. Work today for pay today. ...
  5. Seek community loans and assistance. ...
  6. Ask for forbearance on bills. ...
  7. Request a payroll advance. ...
  8. Take a loan from your retirement account.
16 Aug 2022

Can a declined loan be approved? ›

Each lender uses different criteria. So, if you've been rejected, there's still a chance you could be accepted by a different lender.

Can I get a personal loan with a 575 credit score? ›

The minimum credit score for personal loan approval is 580, depending on the lender. That means it is possible to get an unsecured personal loan with a bad credit score, though such a loan will likely have an origination fee.

Can I get a personal loan with a 515 credit score? ›

Personal loans with a 515 credit score

Given your current scores, you might not have the luxury of shopping for the best personal loans with the lowest interest rates. Instead, you may have to settle for a personal loan with a high interest rate — not to mention other fees, such as an origination fee.

How much of a personal loan can I get with a 580 credit score? ›

With LendingPoint, borrowers with at least a credit score of 580 are eligible for unsecured personal loans. Funds can be used for a variety of expenses including debt consolidation, relocation, and home improvement. Loan amounts range from $2,000 to $35,600, and interest rates range from 7.99%-35.99%.

Can I get a loan with horrible credit? ›

Various banks, credit unions and online lenders offer loans to those with poor credit, but the threshold for what's considered a “creditworthy borrower” varies by institution. Some lenders have stricter requirements than others, which makes it important to shop around for the best option.

Can I get a personal loan with a 582 credit score? ›

You'll typically need a score of at least 550 to 580 to qualify for a personal loan. You can find personal loans for bad credit, but: You'll likely pay a higher interest rate than other borrowers.

Can I get a personal loan with a 525 credit score? ›

A 525 credit score can be a sign of past credit difficulties or a lack of credit history. Whether you're looking for a personal loan, a mortgage or a credit card, credit scores in this range can make it challenging to get approved for unsecured credit, which doesn't require collateral or a security deposit.

Where is the easiest place to get a loan? ›

Credit unions are good places for borrowers with fair or bad credit to get a personal loan because they may have softer requirements and lower interest rates. To apply for a loan, you must become a member first, which typically requires a small fee.

How do I know if I will be approved for a loan? ›

Here are five common requirements that financial institutions look at when evaluating loan applications.
  1. Credit Score and History. An applicant's credit score is one of the most important factors a lender considers when evaluating a loan application. ...
  2. Income. ...
  3. Debt-to-income Ratio. ...
  4. Collateral. ...
  5. Origination Fee.
1 Nov 2022

What is the smartest way to get a loan? ›

Fastest ways to borrow money
  1. Personal loan from an online lender. Compared to traditional lenders like banks or credit unions, online lenders boast convenience and speed given their fully online application and funding process. ...
  2. Loan apps. ...
  3. Cash advance from a credit card. ...
  4. Loan from family or friends. ...
  5. Pawnshop loan.
26 Oct 2021

What credit score do credit unions use? ›

The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional). However, there are numerous FICO scoring models, and each of the three nationwide credit bureaus has its own FICO variation.

Can I get a 15k loan with 500 credit score? ›

If you have a 500 credit score, you'll likely end up on the higher end of that range, say 25%. Here's an example of what a $15,000 loan with a five-year repayment term could cost with these interest rates: 4% interest rate: Your monthly payment would be $276, and you'd pay $1,575 in interest over the life of the loan.

Do credit unions go by credit score? ›

Credit Unions may run credit checks when you apply to join. However, your score won't necessarily determine whether you'll be approved for membership. Instead, it may dictate which services you're eligible for.

Do credit unions refuse loans? ›

So we may refuse a loan application if we have not received sufficient ID. See our join page for further information about acceptable ID. Outgoings too high to afford loan repayments – if we can see that you are spending too much and won't be able to afford loan repayments then we will decline the loan application.

Do credit unions require a good credit score? ›

A low credit score alone won't disqualify you from getting a loan. Credit unions also consider your whole financial picture, including your credit history and standing as a member with the credit union, when reviewing your loan application.

Do credit unions do a hard credit check? ›

Credit unions and banks where you have accounts routinely make soft pulls on your credit to see how you're managing debt. The same goes for credit card companies and lenders before sending all those pre-approved loan and credit card offers that wind up in your mailbox.

What is the downside of a credit union? ›

Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network like Allpoint or MoneyPass. May offer fewer products and services.

What happens if you are denied a loan? ›

If you are not approved for a loan, you will receive what's called an adverse action letter from the lender explaining why. By law, you're entitled to a free copy of your credit report if a loan application is denied.

How soon can you apply for a loan after being declined? ›

However, be aware that you need to wait at least one month before reapplying for a loan after being denied and that you should only sign up for a loan if you are sure you will be able to make the monthly payments plus interest and fees. You can also try reapplying for a smaller loan amount.

Are credit unions more likely to approve loans? ›

Credit unions may be more likely to approve your loan application if you have a low credit score or have been turned away from other lenders. If you are looking to save money on your next auto, RV, personal or home loan, connect with your local credit union today.

Why does credit union do credit check? ›

Lenders may use your credit report information to decide whether you can get a loan and the terms you get for a loan (for example, the interest rate they will charge you). Insurance companies may use the information to decide whether you can get coverage and to set the rates you will pay.

How do you avoid a personal loan rejection? ›

How to Avoid Rejection of Personal Loan Application
  1. Maintain a low FOIR. While accepting loan applications, lenders assess various criteria. ...
  2. Maintain a High Credit Score. ...
  3. Keep an eye on your credit utilisation. ...
  4. Pay off your credit card dues on time. ...
  5. Show all your income sources.

Does getting denied for a loan hurt? ›

Getting rejected for a loan or credit card doesn't impact your credit scores. However, creditors may review your credit report when you apply, and the resulting hard inquiry could hurt your scores a little. Learn how to wisely manage your next application and avoid unnecessary hard inquiries.

What is the best excuse for a loan? ›

9 reasons to get a personal loan
  1. Debt consolidation. Debt consolidation is one of the most common reasons for taking out a personal loan. ...
  2. Alternative to payday loan. ...
  3. Home remodeling. ...
  4. Moving costs. ...
  5. Emergency expenses. ...
  6. Large purchases. ...
  7. Vehicle financing. ...
  8. Wedding expenses.
17 Oct 2022

What 2 things should you do if your lender rejects your loan application? ›

What to Do if a Lender Rejects Your Loan Application
  1. Identify the Reason for the Loan Denial. ...
  2. Review Your Credit Report. ...
  3. Boost Your Credit Score. ...
  4. Pay Down Debt. ...
  5. Increase Your Income. ...
  6. Consider Other Ways To Get a Loan.
30 Aug 2022

How soon can I apply for a loan after being declined? ›

You should wait at least 30 days before applying again, but experts recommend waiting six months to give yourself the best chance of qualifying. While you are waiting to reapply, you should work on resolving the reason for your loan denial.

Why would I be refused credit if my credit score is excellent? ›

If there's concern that the account you're applying for, combined with your existing financial commitments, will strain you, they may decline the application. Having a high Credit Score may not be enough to be accepted if the potential lender finds your affordability too low.

How long does a personal loan take to get approved? ›

Getting approved for a personal loan generally takes anywhere from one day to one week. As we mentioned above, how long it takes for a personal loan to go through depends on several factors, like your credit score. However, one of the primary factors that will affect your approval time is where you get your loan from.


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