Business Details
Your Trusted Partner for Competitive Loan Solutions in Meridian, MS
Meridian Mutual Federal Credit Union has been dedicated to providing accessible, member-focused financial solutions since our inception. We specialize in a wide range of loan products, including auto loans, recreational vehicle financing, signature loans, and fully secured loans, all designed to meet diverse financial needs. Our commitment to competitive rates and flexible terms ensures members can achieve their financial goals with confidence. With over 84 months of financing availability and personalized service, we prioritize transparency and convenience through features like remote check deposit via our mobile app. Our team understands the importance of financial security, offering fixed-rate options and tailored support to simplify borrowing.As part of the CO-OP Shared Branching network, we provide nationwide access to over 5,000 branches and surcharge-free ATMs, combining local expertise with national convenience. We maintain rigorous compliance with federal regulations, ensuring all deposits are federally insured up to $250,000. Our dedication to member education is evident in resources explaining loan processes, credit union benefits, and fraud prevention measures. Through continuous innovation, we've implemented ACH On-Demand Posting to expedite fund availability, demonstrating our commitment to modern banking solutions. Every service we offer reflects our core principle: making borrowing easy, flexible, and member-centric.
Services
Auto Loans
Signature Loans
Recreational Vehicle Financing
Fully Secured Loans
Student Loans
Online Banking
Check Reordering
ATM Access
Mobile Deposit
Loan Refinancing
Highlights and features
- We offer competitive APRs starting at 3.99% for new auto loans
- Our 24/7 online banking provides round-the-clock account access
- We specialize in 84-month financing options for major purchases
- Our CO-OP Shared Branching network offers 5,000+ nationwide locations
- We implement ACH On-Demand Posting for faster fund availability
Services
Auto Loans
Meridian Mutual offers competitive auto loan options for new and used vehicles with terms up to 84 months. Our financing covers 100% of selling price or NADA retail book value, whichever is lower. New auto loans start at 3.99% APR while used vehicles begin at 5.49% APR, both subject to credit approval and direct deposit requirements.
Signature Loans
Unsecured signature loans provide quick access to cash for bill consolidation, major purchases, or unexpected expenses. These fixed-rate loans offer low monthly payments with repayment terms up to three years. Current rates start at 8.49% APR, with application fees and credit requirements applying as specified in our loan terms.
Recreational Vehicle Financing
Specialized financing for boats, motorcycles, ATVs, and other recreational vehicles matches our auto loan rates. New units qualify for 5.49% APR while pre-owned models start at 7.25% APR. Loan terms extend up to 84 months with full financing options available for qualified applicants meeting our credit and documentation requirements.
Fully Secured Loans
Secured by share accounts or certificates, these loans offer rates starting at 4.00% APR plus 2% above certificate rates. Available for members with existing account balances, this option provides favorable terms through collateral-backed security while maintaining competitive pricing for qualified borrowers.
Online Banking
24/7 digital access through It'sMe247 Online Banking enables account management from any location. Features include remote check deposit, ACH On-Demand Posting for early deposits, and mobile app functionality for Android and iOS devices. This service supports modern banking needs while maintaining security protocols to protect member information.
Questions
How do I apply for an auto loan?
Apply online through It'sMe247 Online Banking or visit our Meridian branch. Provide vehicle details, complete application forms, and submit required documentation including current loan paperwork if refinancing.
What loan terms do you offer?
Terms vary up to 84 months for most loans. Signature loans have maximum 3-year terms while secured options depend on collateral type and borrower qualifications.
Are there any special loan programs?
We offer rate reductions for refinancing existing auto loans from other lenders, with 2% APR reductions subject to credit approval and restrictions.
How can I access my account?
Use our 24/7 online banking platform, mobile app for Android/iOS, or visit any of our 5,000+ CO-OP Shared Branch locations nationwide.
What security measures protect my account?
We employ multi-factor authentication, encryption protocols, and never request sensitive information via phone or email to prevent fraud and protect member data.
Do you offer student loans?
Student loan options are available through our partnership with Sallie Mae, with specific terms and application processes detailed on our website.
Reviews (3)
Joey Smith
Jan 25, 2022
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Poor customer service. They let me go
4 months with a missed payment and I paid every month but the month that was missed so when they finally contact me they dont even know what payment I have missed because I have paid for last 4 months. They just know I missed a payment so they have to call me back to tell me what month was missed. Then after I go pay the payment that was missed. That was 4 months late they file it on
My credit score and say theres nothing they can do. When u contact someone and you dont even know the details of why your contacting them you know U got great customer
4 months with a missed payment and I paid every month but the month that was missed so when they finally contact me they dont even know what payment I have missed because I have paid for last 4 months. They just know I missed a payment so they have to call me back to tell me what month was missed. Then after I go pay the payment that was missed. That was 4 months late they file it on
My credit score and say theres nothing they can do. When u contact someone and you dont even know the details of why your contacting them you know U got great customer
Remnant Girl
Nov 06, 2020
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We are not impressed. One bank- one location- in the whole county makes it difficult to do business. Also the tellers ball up the receipts every time we get them from there. The people are friendly working there..at times..& their website is subpar. They need to have an app so people can manage their accounts and get into the the 21st century.. Their entrance way is just confusing. They act like they don't want any new business, just old business and they won't give you your balance over the phone even after identifying you. Just a joke of a bank. Surprised they are still in business. Just got
Nakesha Jones
Jun 08, 2018
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Every time I have to come inside, ALL OF THE are frowned as if we are bothering them, especially Carissa, Clarissa, however you spell it with the exception of Kenya. Carissa is the only one who is ALWAYS doing nothing but pretend to be so busy looking over me asif I am a nuisance. I do not even live in Meridian so I know none of them. Please replace them with customer friendly employees that appreciate customers coming instead of treating them as annoying, irate citizens who should take their business elsewhere.