MidState Federal Credit Union is the place to go for all your lending needs. We offer a wide variety of loans with competitive rates and flexible terms to fit everyone’s budget.

For your convenience, all loans can be paid for through automatic payments, with payroll deduction or direct deposit.
Loan Application

New & Used Auto Loans

  • 100% financing
  • Terms up to 84 months
  • No Prepayment Penalties
  • Pre-approvals
  • Special Dealer Pricing Programs available
  • Enterprise Car Sales
  • Price Auto Outlet Car Sales
  • Car & Driver Buyers Guide
  • Membership Advocate Services


We all know that car buying can be a complicated and frustrating process. ABN will ensure that your credit union loan is honored (at a participating dealership) and help you get the best overall transaction when buying a car. When using the ABN auto buying service you can:

  • Get “live auto assistance” from dedicated rep Monday through Saturday before you go to the dealership or while you’re at the dealership Call ABN’s toll free number to gather information on every aspect of the car buying process from financing with the credit union to insurance and warranties. Ask questions and get help before, during, and after your purchase
  • Always expect highly trained experts to provide customized service based on your individual purchasing needs.

To utilize this service, follow these steps:

  1. Call your dedicated Auto Buyers Network rep at: 888-418-CARS (2277) Provide your Credit Union Name: MidState Federal Credit Union Provide the Group ID#: CU2821
  2. Provide your vehicle preferences to ABN rep

Motorcycle/Boat/Trailer/RV Loans

  • 100% financing
  • Several Term Options
  • Terms to fit your budget
  • No prepayment penalties

Personal Loans – Signature & Line of Credit

Personal Loans are perfect for debt consolidation of high interest credit cards, home repairs, vacation, or whatever your needs might be.

  • No application fee
  • Low fixed rate
  • Borrow up to $14,000
  • Terms to fit your budget
  • No prepayment penalties

Share Secured Loans

Secure savings or term saving certificate loans are another way to have your money help you save money. Secure your loan with one of these accounts and you are assured a great low rate on your loan, plus still be paid dividends on your savings.

  • No application fee
  • Low fixed rate
  • Borrow 100% of Secured Savings
  • Terms based on amount borrowed
  • No prepayment penalties

Refinance a Loan

As a member of MidState FCU you will have the unique opportunity to refinance HIGH interest loans with other financial institutions at our LOW interest rates. Doing so could reduce your monthly payment and put some extra cash in the family budget. Contact our loan department to review your circumstances and assist you in evaluating whether refinancing a loan is in your best interest.

Overdraft Line of Credit

Never bounce a check again, apply for overdraft line of credit. Avoid unnecessary returned check charges by linking your Checking Account to Overdraft Protection! Once you are approved, you can advance your Line of Credit privately and instantly by writing a personal check for an amount in excess of your current checking account balance.

  • Limits to $1,500
  • Minimum payments starting at $25
  • Automatic payments each month
  • Advances in increments of $100

This account will provide you with money you need to get by until your next paycheck

Student Loans

Student loans are available through the Credit Union and are available to members for the purpose of financing education.

  • Low fixed rates
  • Limits to $7500
  • 7 year repayment plan
  • Automatic payments each month

Credit Cards

MidState FCU is now offering a Credit Card for everybody!  We have a Credit Builder VISA if you have no credit history or if you need to rebuild you credit.  We have our Classic card which offers a low APR of 11.90%, which is not an introductory rate; the rate stays the same month after month.  And we also have a Platinum Preferred VISA which offers a low introductory rate of 5.90% for the first 12 months then 9.90%.  Enjoy the benefits of the Preferred Platinum card which include ScoreCard Bonus Points and Preferred Customer Service.

MidState Federal Credit Union VISA credit card is the one you will want to use on a daily basis. MidState FCU credit card is accepted worldwide. Begin saving money immediately by converting your HIGH interest credit card balances to our LOW interest VISA card when you join MidState FCU. This could lower your monthly payment putting some extra money in your wallet.

When you use your MidState FCU VISA card, you will realize many benefits not available with other credit cards.

Lost/Stolen number to call: 1-800-299-9842

VISA Classic

  • No Annual Fee
  • No Cash Advance Fee
  • Low 11.90% APR for both purchases and Cash Advances
  • 25 day Grace Period on Purchases
  • Cash advances accrue interest from the date the advance is made
  • Balance computed on Average Daily Balance Method
  • No Minimum Finance Charge
  • No Transaction Fees
  • Late Payment fee $25.00
  • Free Accidental Death and Dismemberment Insurance

Stop paying high interest rates charged on bank issued credit cards. Don’t Delay. Apply Today for the credit card you deserve… with savings you want…

Real Estate Loans

Visit our NEW Mortgage Webcenter Now!

Apply online at your convenience, 24 hours a day 7 days a week.

  • Home Purchases
  • Refinances
  • Free Online Pre-Approvals for Home Purchases
  • Instant Rate Quotes
  • up to 80% financing available on all Arm Programs for qualified applicants.
  • Calculators

For personalized assistance speak with one of our Home Finance Consultants, they are here to help you not sell you call 866-432-1511.

Home Equity Loans

Use a Home Equity loan for whatever your family needs… including additions, siding, roof, heating, cooling and landscaping. Our Home Equity Loans allow you to take advantage of the equity in your home today – when you need the money most. Use the money for any worthwhile purpose.

ProgramRateMax LTVMin LoanMax LoanOwner Occ2nd HomeInvestment
5 yr fixed6.5%80%$20,000$250,000YesYesNo
7 yr fixed7.25%80%$20,000$250,000YesYesNo
10 yr fixed7.75%80%$20,000$250,000YesYesNo

Call us today at 866-432-1511 to speak with a Home Finance Consultant.