Oxford MS Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mississippi, your trusted partner in financial well-being! Located at 2301 S Lamar Blvd, Oxford, MS 38655, our credit union has proudly served the community since 1958. With a commitment to helping our 23,286 members achieve their financial goals, we offer a range of services tailored just for you from personal banking and auto loans to business financing solutions. At Mississippi, we understand that every member is unique. That's why we have built a solid foundation with total assets of $161,627,745 and deposits amounting to $25,887,921. Our strong financial position enables us to provide competitive rates and personalized service that meets your needs. Plus, with an impressive net worth of $21,470,617, you can trust that your money is in safe hands. While members can visit us at our branch location in Oxford for all their banking needs, official correspondence should be sent to the same address: 2301 S LAMAR BLVD, OXFORD, MS 38655. Under the leadership of our dedicated CEO, Brian Long, and Board President, Gary Armstrong, we strive to create a welcoming environment where members feel valued. With a team of 52 employees, we're here to answer your questions and assist you every step of the way. Whether you're looking to secure a new home with one of our mortgage loans or need assistance with personal loans and debt consolidation, Mississippi is here for you. We are more than just a financial institution; we are part of this community. Come discover how our services can make a difference in your life! Ready to take the next step? Call us at 662-550-4804 or visit our website at msfcu.us to learn more about what we offer. Your future starts today!

Branch History & Mission

Our Mission

At Mississippi, our mission is simple yet profound: to empower individuals and families through quality financial services while fostering a sense of community support and engagement. We believe that when we invest in our members' success, we contribute to the overall well-being of Oxford and beyond. Whether it's through personal checking accounts, auto loans, mortgage refinancing, or business banking solutions, we are dedicated to helping you achieve your financial goals. We take pride in being more than just a credit union; we are an integral part of the local landscape. Our outreach efforts include partnerships with local organizations and initiatives aimed at uplifting those in need. We strive to create lasting relationships built on trust and mutual respect. While members can visit us at 2301 S Lamar Blvd for all their banking needs, official correspondence should be sent to our mailing address at 2301 S LAMAR BLVD, OXFORD, MS 38655. We recognize the importance of accessibility in today's world. That's why we offer shared service center availability and ADA-compliant facilities to ensure everyone can benefit from our services comfortably. Though we currently do not have ATM or drive-thru facilities on-site, our commitment to personal service means you will always receive attentive care from our knowledgeable staff during lobby hours Monday through Tuesday and Thursday through Friday from 8:30 AM to 5:00 PM, and Wednesday from 9:00 AM to 5:00 PM. Join us at Mississippi as we continue this journey together. Experience firsthand how a credit union can make a meaningful difference in your life by becoming a member today! Reach out to us at (662) 550-4804 or visit us online at msfcu.us for more information about joining or accessing our wide range of services. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

Call to Action

Ready to experience friendly service and comprehensive banking solutions? Visit us at South Oxford Center today or give us a call at 662-550-4804. We look forward to welcoming you into our community!

Nearby Landmarks and Accessibility

Our branch is situated near popular local spots, making it a familiar place for many in the area. If you're coming from downtown Oxford or nearby neighborhoods, you'll find us just a short drive away. We offer ample parking spaces for our members, ensuring that your visit is as hassle-free as possible. Plus, we take pride in being ADA compliant, with features like ramps to support everyone in accessing our services comfortably.

Operating Hours

At South Oxford Center, we understand that your time is valuable. That's why we're open Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM, and on Wednesday from 9:00 AM to 5:00 PM. Our friendly staff is always ready to assist you during these hours.

Services Offered

We are proud to provide a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! If you're a member of a partner credit union, feel free to take advantage of our basic shared branch transactions like deposits and withdrawals.

Member Eligibility

At Mississippi, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you're a resident or work in the area around 2301 S Lamar Blvd Oxford Ms 38655, you're likely eligible to join us. We also invite family members of current members, so if you have someone already with us, you can easily become part of our family too. The benefits of membership are abundant enjoy competitive rates on loans, access to personalized service, and a variety of financial products tailored just for you. To get started, check out the full eligibility criteria at . And when you're ready to open your account, feel free to reach out at (662) 550-4804 for assistance or just drop by our branch. We're excited to help you take this important step towards better financial health!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,254,272, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions for your business. Imagine easily accepting payments from customers, whether they pay by card or mobile app. Our tools help streamline your sales process and improve cash flow, allowing you to focus on what matters most growing your business. Visit us at 2301 S Lamar Blvd Oxford Ms 38655 in Oxford, MS, or call us at (662) 550-4804 to learn more about how we can assist your business needs. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently don't have ATMs on-site, we're part of a shared service network that allows you to access cash conveniently at partner locations. At Mississippi, we pride ourselves on being more than just a credit union; we are your financial partner committed to serving you every step of the way. For more information about any of our services or to speak with one of our friendly representatives, please call us at (662) 550-4804 or visit us at South Oxford Center today!

Auto Loans & Vehicle Financing

Need a new vehicle? Our auto loans provide competitive rates that make purchasing or refinancing a car straightforward. We understand how important reliable transportation is for you and your family. That's why our application process is simple, allowing you to hit the road without delay.

Business Banking

For entrepreneurs and business owners, we offer business banking services including merchant services and business loans. You can focus on growing your business while we take care of your financial needs.

Convenient Online & Mobile Banking

In today's fast-paced world, accessibility is key. That's why we emphasize our online and mobile banking capabilities. With features such as person-to-person payments and easy account management, banking with us fits into your busy schedule perfectly.

Credit Cards with Rewards

Our credit cards come with rewards that benefit your everyday spending. Whether it's cash back on groceries or points towards travel, you'll enjoy added perks just for using your card.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Mississippi, we offer mortgage loans that cater to various needs, whether you're a first-time homebuyer or looking to refinance an existing mortgage. Our friendly staff will guide you through each step, ensuring you find the best solution for your situation.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed to fit your lifestyle. Imagine effortlessly managing your finances from the comfort of your home through our online banking platform. With features like e-statements and mobile payments, you can keep track of your accounts anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. We believe in helping our members regain control over their finances with manageable repayment options.

Digital & Online Banking

Key Services

One of the standout features of our online banking service is the ability to manage your accounts 24/7. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate with ease. For added flexibility, we provide electronic signature authorization, allowing you to complete important transactions without needing to visit a branch in person. This feature not only saves time but also enhances security by keeping your information safe. If you prefer going paperless, e-statements are available for all members. You can receive your monthly statements directly to your inbox, which helps keep everything organized and reduces clutter at home.

Mobile Banking Features

On-the-go banking is made simple with our mobile application. With it, you can take care of your banking tasks right from your smartphone or tablet. Plus, our mobile payments feature allows you to make purchases using just your device no wallet needed! Another great aspect of our services is person-to-person transfers. If you need to send money to friends or family quickly, this feature makes it easy and efficient. At Mississippi, we're committed to providing services that fit seamlessly into your busy lifestyle while ensuring that your financial information remains protected. Join us today and experience the future of banking at Mississippi!

Financial Strength

Building Trust Together

Total Share Accounts: 38,033 show a strong and growing member base that trusts us with their finances. Your confidence fuels our mission to provide exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mississippi is your trusted partner. Visit us at 2301 S Lamar Blvd Oxford Ms 38655 or call (662) 550-4804 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports your financial goals across various sectors with $1,699 in used auto loans and $86,620,393 in total loans and leases. This means when you're ready to make an investment whether it's buying a car or funding a personal project we're here to help you every step of the way.

Member Savings Security

Members' savings are secured through $29,340,576 in share certificates and $5,119,255 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This commitment is reflected in our focus on using resources to benefit you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. With 50 full-time employees and 2 part-time employees, we ensure our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $21,470,617, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,327 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $20,256,621 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We want you to feel confident that your credit union is continuously improving to meet your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $32,207,891 in used vehicle loans and $11,121,368 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, our flexible terms can help you drive away with confidence.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $1,254,272 provide the capital needed to grow and expand your operations. We are committed to supporting local businesses and helping them thrive in our community.

Credit Lines

Additionally, we provide total credit lines of $21,511,200, offering you an accessible way to meet your financial demands as they arise. This flexibility ensures that you have the resources available whenever you need them. At Mississippi, we're dedicated to making finance straightforward and accessible. For more information about our loan offerings or to discuss eligibility options, feel free to contact us at (662) 550-4804 or visit us at our branch located at 2301 S Lamar Blvd Oxford Ms 38655 in Oxford, MS. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward achieving financial stability starts here!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,112,605, make buying or refinancing simple. We provide competitive rates and personalized service to guide you through every step of the process.

Unsecured Credit Cards

For those looking for easy access to funds without collateral, we also offer flexible terms on unsecured credit card loans, with a total of $3,734,720 in loans helping members manage their finances effectively. This option allows you to handle everyday expenses while building your credit score.

Loan Aggregator

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Mississippi