CHECKING

“Check out our share draft checking accounts…”

We think you’ll like what you see. With only a $25 deposit required to open the account, no monthly service charge and your first box of checks for free, it’s the best deal around!

And we pay a monthly dividend if you maintain a minimum average daily balance of $500.01. Dividends are declared each quarter and are posted to your account on the first night of each month. For our most current rates, see our Dividend Rate Schedule.

checkingWith our accounts you’ll receive duplicate checks, making it easy to keep up with what you’ve spent. We also offer ATM/debit check cards that can be used to withdraw funds and make purchases from your share draft checking account.

When you open your account, you are automatically set up with overdraft protection transfers from your share savings account in $50 increments.

Your checking account is included in the National Share Insurance Fund coverage administered by the National Credit Union Administration, a U.S. government agency. To learn more about how your funds are insured and how you can increase your coverage, click on NCUA’s Share Insurance Tool Kit.

See our Fee Schedule for fees associated with this account.

SAVINGS

A penny saved is a penny earned… – Ben Franklin

Save with us and those pennies will add up to Ben Franklins before you know it! And the more you save, the more you’ll earn with our share savings accounts. We pay market rate dividends based on the average daily balance in your account. Dividends are declared at the end of each calendar quarter, for that quarter, and are posted to your savings on the last night of the quarter. A minimum $200.01 average daily balance is required to earn a dividend. For our most current rates, see our Dividend Rate Schedule.

Piggy-BankIt’s easy to build your savings through payroll deduction and direct deposit. Or we can set up electronic debits from your account with another financial institution. And you can always make deposits through the mail and over the counter.

Be assured that your savings are safe with us. Your funds are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency. To learn more about how your funds are insured and how you can increase your coverage, click on NCUA’S Share Insurance Tool Kit.

See our Fee Schedule for fees associated with this account.

IRAs

Now is the perfect time to invest in your “Golden Years”….

Do you wonder how you’re going to maintain your current lifestyle after you retire? With scientific advances in medicine, people are living longer than ever before. And as we live longer, it seems that the Social Security fund continues to shrink while the cost of living climbs higher and higher. That makes maintaining the lifestyle to which you are accustomed quite a challenge. But more and more people are starting their own retirement accounts in addition to employer pension funds and Social Security.

We can help with a credit union Individual Retirement Account (IRA). IRAs provide that extra measure of security and peace of mind you need as you plan for your retirement. And the earlier you start the more you’ll accumulate, whether you make a one-time contribution or annual contributions.

We offer both traditional and Roth IRAs with two investment options – regular IRA accounts (structured much like regular share savings accounts), and IRA share certificates, in which one can deposit funds of a specific amount, for a specific term at a specific rate. And both earn competitive dividends. For regular IRA rates and IRA share certificate rates and terms, see our Dividend Rate Schedule.

There is no minimum required to open a regular IRA share account. Dividends are declared at the end of each quarter, for that quarter, and are posted to the accounts on the last night of each calendar quarter. Dividends are calculated using the average daily balance method with a $200.01 minimum average daily balance required to earn a dividend.

The minimum required to open an IRA share certificate is $1,000.00. Dividends are declared monthly and are posted the last night of each calendar quarter. Dividends are calculated by the simple interest method using a 365-day basis. The National Credit Union Administration, a U.S. government agency, insures IRAs separately from your other credit union funds up to $250,000.00. To learn more about your insured funds, click on NCUA’s Share Insurance Tool Kit.

For fees associated with IRA accounts, see our Fee Schedule.

CHRISTMAS CLUB ACCOUNTS

We can make your Christmas season a little merrier!

Have you spent this year paying for the Christmas presents you bought last year? Are you still in the middle of the “after Christmas blues”? You’re not alone – it’s happened to the best of us. But the good news is, it doesn’t have to be that way.

With just a small deposit into a credit union Christmas Club account each month, you’ll be ready to shop ‘til you drop this Christmas, with no buyers’ remorse. You might even have money left over to bring in the New Year with style!

sillysantaWith our Christmas Club accounts, you can earn a quarterly dividend (the more Christmas greenery, the merrier!). Dividends are declared at the end of each calendar quarter, for that quarter, and are posted to the accounts on the last night of each quarter. Dividends are calculated using the average daily balance method with a $200.01 minimum average daily balance required to earn a dividend. For our most current dividend rates, see our Dividend Rate Schedule .

So, go ahead – join up! You’ll be glad you did, come the first week of November. A credit union Christmas Club account can help you banish those after Christmas blues once and for all and make that merry Christmas spirit last all year long! Ho! Ho! Hooooooo!

Christmas Club funds are included in the National Credit Union Share Insurance Fund coverage administered by the National Credit Union Administration, a U.S. government agency. To learn more about how your funds are insured, click on NCUA’s Share Insurance Took Kit .

See our Fee Schedule for fees associated with this account.

SHARE CERTIFICATES

Money is a terrible master but an excellent servant… – P.T. Barnum

tigerSo you say you’ve got more than just a little money and you’re ready for it to perform? Nothing wrong with that. It’ll jump through hoops with our share certificate program – and just a $1,000 deposit will make you the ring-master!

Share certificates are placed for a specific amount and term at a specific rate. With our competitive rates and terms, you’ll call the shots. Rates are declared monthly but once you place a certificate, the rate is locked in until it matures. Dividends post to your account on the last night of each calendar year quarter and are calculated by the simple interest method using a 365-day basis. See our Dividend Rate Schedule for current rates and terms.

You may not add funds to or withdraw funds from a share certificate but that’s not a problem because you can place as many certificates as you like for as many terms as you like. Should you need the funds in your certificate prior to its maturity, you have the option of borrowing against it at just 2% above the certificate’s annual percentage yield and paying off the loan once the certificate matures. See our Loan Rate Schedule for certificate secured loan rates.

Everybody loves a great performance and this, ladies and gentlemen, is a class act. So, what are you waiting for – the final curtain? Whip your money into shape before the circus leaves town!

Your funds are insured to at least $250,000 by the National Credit Union administration, a U.S. government agency. To learn more about how your funds are insured and how you can increase your coverage, click on NCUA’s Share Insurance Tool Kit.

See our Fee Schedule for fees associated with this account.

View Share Certificates Disclosure

LOANS

The most important thing for a young man is to establish credit, a reputation, and character. – John D. Rockefeller

loansCredit unions have long served as “Borrowing 101” for those who have never borrowed before. That first loan is usually in the form of a small signature loan for the purpose of establishing credit. Credit unions are known for helping members with their very first loans and for teaching them good borrowing habits that serve them well throughout their lives.

For both new borrowers and seasoned borrowers, we offer an array of loan products. Whether you need to buy a car, take a cruise to Alaska, repair the plumbing, or purchase a tractor, we have rates and terms to fit your budget. We’ll work with you in every way possible to ensure that the application process is seamless and you get you the money you need. We are your one-stop-shop and like the commercial says…

  • Need a car? – We’ve got an “app” for that.
  • Need a motorcycle? – We’ve got an “app” for that.
  • Need a boat? – We’ve got an “app” for that.
  • Need a trip to paradise? – We’ve got an “app” for that.
  • Need… more money? – We’ve got an “app” for that.
  • Need to apply?? – We’ve got an “app” for THAT, too! Click Here to apply.

Apply with us – we’ve got money to lend!

See our Loan Rate Schedule for rates, terms and loan types.

ATM / Debit Card

Cash on the barrel head 24 / 7!

barrelTired of having to wait until the credit union is open to withdraw cash? Apply for our ATM / Debit card and you’ll have access to cash any time of the day or night. This card enables you to withdraw funds from your savings and checking accounts at ATMs nationwide and works as a debit check card for point-of-sale purchases from your MHSPFCU checking account. Talk about convenience — it’s two cards in one!

Click Here to Apply.

Surcharge-free Credit Union 24 ATM Locator.

MHSPFCU-owned ATM locations:

Jackson, MS (MDPS Drivers Services)
1900 E. Woodrow Wilson Ave.
Pearl, MS (MDPS Drivers Services)
3851 Highway 468 West
Biloxi, MS (MDPS Drivers Services)
16741 Hwy 67

VISA Classic

visaWhen you see our rates, you’ll rate our VISA Classic a 5-star card!

At MHSPFCU, we offer a bona fide five-star card. We think our VISA Classic is the best deal around. When you compare the rates on other cards to ours, the other cards just don’t stack up. Rather…. their stars just don’t add up….

Don’t believe us? What if we told you we also offer a low 1.9% introductory rate on new cards that is good for six months? How are our stars adding up now? That’s what we thought you’d say…

So, what are you waiting for? Apply for our five-star VISA Classic card today! To apply, call us at 601-987-1290.

For rates, see our Loan Rate Schedule.