Consumer Loans


Here at MUNA Federal we have a dedicated Loans Department to meet all of your loan needs. Whether you are a new member or have been a member forever we are here for you. Whether it be a new vehicle, boat, or you just need some extra money to get a few things done we will work with you however we can. There is no minimum time limit on how long you have to have been a member with us. So please explore our loan options and feel free to call or come in to one of our offices today for more information.

Santa Loans for Members


We offer Santa Loans to members each year.

You can fill out online and submit by clicking this link:

Or you can download this PDF and return the form to MUNA in person: Santa Loan PDF Download

Car, Truck and Van Loans


Financing may be approved up to 100% of the Manufacturer's Suggested Retail Price (MSRP) value, including taxes, and the first car tag fee up to 72 months.  A purchase order agreement with the serial number of the vehicle must be furnished by the auto dealership prior to the loan disbursement.





Pre-Negotiated Discounts with TrueCar
Personal Loans


Cash Signature Loans are available with the maximum loan amount being determined by the member's gross annual income and their credit worthiness. These loans can be granted with no collateral and can be used for most any needs.



Lines of Credit


For your convenience, a line of credit may be approved up to $10,000.00. Once approved, you may request an advance by phone, mail or in person. These draws can be deposited into your MUNA Federal checking account, wired or disbursement made by check. To qualify for a line of credit loan, the member must have sufficient income. 



Mortgages and HELOC Made Easy!


MUNA is pleased to offer a variety of mortgage and HELOC options at extremely competitive rates through Quicken Loans, which is rated five out of five in the 2019 J.D. Power U.S. Primary Mortgage Origination Satisfaction Study. We make it very easy for you — just call 601.485.8746 to talk to Jennifer or email her at Ask about 20-30-year, fixed-rate loans, VA loans, adjustable-rate mortgages and more.

Share and Certificate Secured Loans


You may borrow up to the available amount invested in your Regular Share Savings for terms up to 120 months. The maximum number of months of repayment is determined at the discretion of the Loan Officer, by using the guideline of a $1000.00 minimum payback per year. You may also borrow up to the amount invested in a certificate with MUNA Federal.



MUNA Federal Credit Union

Mailing Address:     P.O. Box 3338

                                  Meridian, MS 39303
Physical Address:   4400 Hwy 39 N

                                  Meridian, MS 39301


Routing Number:   265377756


TEL: 601-693-8563

FAX: 601-485-8826

CU*Talk: 1-855-250-2603

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Equal Housing Lender

* Terms & Conditions - APR = Annual Percentage Rate. Loans based on approved credit. Rates may vary. Loan MUST be financed DIRECTLY through MUNA Federal Credit Union, not through a car dealer to qualify. Some restrictions may apply. Speak to a Loan Officer for further details or if you have questions.

** By clicking this link you are leaving MUNA Federal Credit Union’s website and going to a website that is not operated by the credit union. MUNA Federal Credit Union is not responsible for the content or availability of linked sites. Please be advised that MUNA Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.