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Member Offers


Clean up your credit!

SRFCU has Certified Financial Counselors who are trained to help you clean up your credit. If you need help with home budgeting, debt management, credit rebuilding, or any other financial concern, let's talk. And best of all, the service is free for SRFCU members! Your counselor will review your credit report with you thoroughly. It's completely free and confidential, and only takes about 30 minutes. Call your local SRFCU branch and make an appointment today!

**Appointment required. Limit one financial review per person. Documented approval to pull credit report required, for the purpose of loan review or the request of credit. To qualify for a credit report pull, must be a current member or eligible for membership. All loans subject to approval based on credit. Terms subject to change without notice.

First-Time Auto Loan Program

You've got the green light for your first car, even if you have little or no credit history. If you're 18 to 25 years old, you're good to go at Singing River Federal with our First-Time Auto Loan program.

  • Special low rate to help establish credit*
  • Up to 100% financing on new and used autos
  • Terms up to 60 months
  • Easy payment plans for every budget

*Membership and credit eligibility required. All loans subject to approval based on credit. Special 8.99% APR determined by credit evaluation factors, including employment history and income, during at least two mandatory discussions with SRFCU Certified Financial Counselor. Checking account with direct deposit and online account management required. APR: Annual Percentage Rate. Maximum loan amount not to exceed $18,000 or 75% of the applicant's gross annual income. Normal new and used collateral values and definitions apply. Boats, motorcycles, and RV/campers excluded. Can have limited credit experience (consisting of small credit card debt or student loans) or no previous credit experience. Cannot have any prior auto loans. Some requests may require a down payment. A qualified guarantor may be required if the request does not meet approval guidelines or under 18. Loan may not be refinanced.

Looking to access cash quickly using your home's equity?

At just 2.99% APR for the first six months,* no closing costs and no application fees, a Home Equity Line of Credit is perfect for you. Use the equity in your home to renovate, remodel or just relax. Bring us your ideas. Singing River Federal Credit Union is ready with answers.

To serve you best, please make an appointment with our Mortgage Specialist by calling 228-475-9531 or click here to email your appointment request.

*Minimum $10,000 first advance with no points, application fees, closing costs or annual fee. Rates offered at 2.99% are subject to change and will remain constant for the first six months becoming variable thereafter. Loans subject to approval. All loans subject to applicable fees and charges which may affect APR (annual percentage rate). Home Equity Line of Credit: Base rates "as low as" the published prime rate. Prime rate based on Wall Street Journal. Interest rate may vary quarterly. Terms subject to change without notice.