• Opening Hours Monday to Friday - 8am to 4:30pm
  • 107 Thalweg Drive
  • Vicksburg, MS 39183
ONLINE BANKING

Service

SAVINGS

savings-accountBuilding your future:

Every member of Vickswood Credit Union starts with a minimum deposit of $26.00 ($25.00 which goes into a Primary Savings Account and $1.00 joining fee.  This represents your “share” as a member-owner of Vickswood Credit Union.  Establishing a savings account is the first step in accomplishing your personal financial goals.

CHRISTMAS CLUB

The Christmas Club account is designed to help save money for the holiday season.  You can deposit money with automatic deposits through your payroll department and by simply making over the counter deposits.  Around the middle of October funds will be available for withdrawal with no penalty, however if you withdrawal during the year there will be a $5.00 withdrawal fee.

ATM/DEBIT CARD

atm-cardWe offer VISA Debit Cards with our Share Drafts/Checking Account.

DIVIDENDS

Dividends are compounded and paid quarterly on the first day of the following month.  Your deposits are insured by NCUA, up to $250,000.00.

RATES

Check out our rates!  *All loans are subject to credit approval.  Contact us for fees, terms, and conditions that may apply.  No prepayment penalties on any loans.

Ways to apply:

  • At Vickswood Credit Union office during business hours
  • By phone during business hours: 601-636-4434 or 601-638-1947
  • Online Click HERE to apply

TYPES OF LOANS

auto-loansNew & Used Autos: New or used vehicles, new purchase or refinance; you’re sure to drive home a great deal with Vickswood.  No matter what type of vehicle – car, truck, motorcycle or scooter – we’ve got the financing.  

Call or come by for an application.

  • Will finance up to 72 months on some vehicles
  • Pre-approval is available to save you time at the dealership
  • Will finance 100% of the MSRP on new autos
  • Will finance 100% of the average trade in value in the NADA on used autos

Insurance Loans:

  • No credit approval required
  • 6 month vehicle insurance quote required (must be paid back in 6 months)
  • Fixed 12% rate

Personal Loans:

A personal loan is used for any reason and any purpose. It is an unsecured loan which means there is no requirement to pledge an asset (like a home or car) as collateral. Like all loans, there are many factors in granting a loan but the main factors are your credit history and your ability to pay the loan back. At Vickswood Credit Union we have various terms and competitive low rates to meet your objective. Talk to us today and let us find the right loan for what you want or need. Apply over the phone, online or at our location today!

  • Repayment terms of up to 48 months
  • No collateral needed
  • Apply online, by phone or in person
  • Low competitive rates
  • Loans from $500 to $7000
  • Flexible payment options matched to fit your lifestyle,  weekly, bi-weekly, semi-monthly, or monthly

Recreational Vehicle Loans:

Vickswood Credit Union offers loans for new and used recreational vehicles with up to 100% financing of Retail Buyers Order.

  • Flexible payment options available: Pay weekly, bi-weekly, semi-monthly, and monthly
  • Offer repayment terms of up to 48 months

New & Used Tractors

  • Repayment terms of up to 60 months
  • Buyers order from dealer listing the make, model, serial numbers, options, and hours
  • Variable rate loans with flexible terms

Yard & Garden

  • Homeowners insurance with contents or separate policy for security
  • Repayment terms up to 42 months on some items
  • UCC-1 filed through County Court House

Share secured:

No need to spend your savings when you can use your Vickswood deposits to secure a loan at the very best rates and terms.

  • Borrow up to 100% of the available savings balance
  • Fixed loan rate
  • Repayment terms up to 10 years (120 months)
  • Funds pledged to secure the loan continue to earn dividends at market rates
  • When payment made, principle amount is released into share account and made available
  • Flexible payment options available: Pay weekly, bi-weekly, semi-monthly, and monthly

New Furniture:

  • Buyers order from vendor with full description of brand/model
  • UCC-1 filed through County Court House
  • Repayment terms up to 24 months
  • 100% Retail Buyers Order

New appliance (also includes guns & computers)

  • Repayment terms up to 24 months
  • UCC-1 filed through County Court House
  • 100% Retail Buyers Order

*Term length examples are based on credit history and scoring

LOAN PROTECTION (OPTIONAL- Additional fees apply)

  • Credit Disability Insurance
  • Credit Life Insurance

EXTRA SERVICES OFFERED

  • Payroll deposit
  • Payroll deduction
  • Drive up Service
  • Night Deposit
  • Notary Service
  • E-statements

DISCLOSURE

MEMBERSHIP & ACCOUNT AGREEMENT

PRIVACY POLICY

Regulation CC

Effective July 1, 2020, the monetary threshold limits for funds availability have changed. The summary of those changes are:

Regulation Reference

What the thresholds were

What the thresholds will be on and after July 1, 2020

Next day availability (229.10)

$200.00

$225.00

Large Deposit (229.13(b)). New Account (229.13(a)) and Repeated Overdraft (229.13(d)) limits

Aggregate amounts over $5,000.00

Aggregate amounts over $5,525

Special rules for cash withdrawals (229.12(d))

$400.00

$450.00

Civil Liability (229.21(a))

$1,100 and $500,000

$1,100 and $552,500