How To Get Started With A Personal Loan
Our loans help you help yourself — at a rate that won’t leave you in the red. If you’ve ever worried about covering unexpected expenses, Ferguson FCU is here to help.
Ferguson FCU offers personal loans for almost anything—from vehicle repairs and family vacations to education expenses and emergency bills.
Start Making the Most of Your Loan
With just a click of a button, you can apply online within minutes for your next personal loan.
Ferguson FCU Personal Loan Details
- ✅ Competitive rates for a wide variety of personal needs:
- Vehicle repairs or updates
- Family vacation
- Education expenses
- And much more
- ✅ Accommodating repayment terms that work for your needs
- ✅ Decision-making and processing are all done locally
- ✅ Friendly, Southwest Mississippi service
Share-Secured vs. Signature Loans
🔒 Share-Secured Loans
A share-secured loan uses your savings account as collateral. You can typically borrow up to 100% of your account balance with a lower interest rate.
- Financing backed by your own deposit
- Low rates
- Terms up to 60 months
- Secured credit card options available
- Great for establishing or rebuilding credit
✍️ Signature Loans
Signature loans require only your credit and signature—no collateral needed. Perfect for debt consolidation, unexpected expenses, or large purchases.
- Available for short- or long-term needs
- Competitive rates
- Fast approval
- Typically for borrowers with strong credit
Become a Ferguson FCU Member!
Membership is open to anyone who lives, works, worships, attends school, or owns a business in select Mississippi counties. All it takes is a $5 deposit to get started!