At a glance
From its website, read 3 Nov 2026Choctaw Federal Credit Union is a credit union based in Choctaw, Mississippi. Its website describes auto loans and personal loans. Stated loan amounts run from $500 to $40,000.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (601) 676-0566 source |
|---|---|
| Website | www.choctaw.org |
| Office (official list) | 101 Industrial Road P.O. Box 6284, Choctaw, MS 39350 |
What their website says about applying
A cosigner must complete a loan application, employment verification, and a Notice to Cosigner Form.
sourceQuote must include: Standard & Accessory, Mileage, Model, Make and VIN
sourceWhen approved, member will need full coverage insurance listing Choctaw Federal Credit Union as the lienholder and a loss payee for the life of the loan
sourcePlease call to inquire about the next special loan and the amount we will be able to finance.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 3 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | offered at specific times with specific amounts at 18%. | source |
| Loans (general) | Term: see their wording | The loan will be financed for ten (10) months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 650
Auto Loans (Temporary: REQUIRED credit score of 650 and above)
source - Membership required
Must be a member for a minimum of 90 days.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 537887 |
| Address | 101 Industrial Road P.O. Box 6284, Choctaw, MS 39350 |
| Website | www.choctaw.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 10 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Service area and online application are not stated on the pages fetched; the signature loan maximum is not clearly given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loans (Temporary: REQUIRED credit score of 650 and above) | source |
| Personal / consumer loans | from $500 | Loan amount – Minimum $500.00 – $1,000.00 | source |
Loan sizes
Loan amount – Minimum $500.00 – $1,000.00
sourceMaximum loan amount up to $40,000.00
sourceMaximum loan amount up to $35,000.00
source
Range used for the size filter: $500 to $40,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (10)
- https://choctaw.virtualcu.net/
- https://choctaw.virtualcu.net/loans/
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=oct&yr=2026
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=dec&yr=2026
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=sep&yr=2026
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=nov&yr=2026
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=jan&yr=2027
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=aug&yr=2026
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=feb&yr=2027
- https://choctaw.virtualcu.net/loans/?grid-list-toggle=grid&month=jul&yr=2026
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your auto loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$795,450 in 6 awards from the U.S. Treasury's CDFI Fund, 2016–2024 (Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Technical Assistance | $225,000 |
| 2022 | Native American CDFI Assistance (NACA), Technical Assistance | $125,000 |
| 2021 | Native American CDFI Assistance (NACA), Technical Assistance | $125,000 |
| 2020 | Native American CDFI Assistance (NACA), Technical Assistance | $109,000 |
| 2018 | Native American CDFI Assistance (NACA), Technical Assistance | $112,293 |
| 2016 | Native American CDFI Assistance (NACA), Technical Assistance | $99,157 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CHOCTAW (charter 22314). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,080 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Mississippi (1 office)
- Neshoba County (1): 203 Choctaw Town Center, Choctaw 39350 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Choctaw Federal Credit Union (NCUA charter 22314, filed as “CHOCTAW”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.7 million, 744 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 2.4% from $1.6 million on 30 Jun 2025 |
| Members | 2,080 (as of 30 Jun 2026); 2,031 (as of 30 Jun 2025) |
| Loans per member | $807 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $169,575 | 10.1% |
| Used vehicle loans | $563,358 | 33.5% |
| Other unsecured loans | $946,456 | 56.4% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $40,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 14% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $2.8 million | Larger than 0% of the 6 other certified credit unions in Mississippi (median $164.6 million). |
| Loans as a share of assets | 60% | Median of the same 6 credit unions: 67%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.6 million → $1.7 million (+2%) | Median change of 6 other certified credit unions in Mississippi: +2%. Rank by loans held among these 7: 7 → 7. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 14% |
| Call Report total assets | other certified credit unions in Mississippi | 6 | larger than 0% |
| Loans held then vs now | certified credit unions in Mississippi reporting both dates | 6 | rank 7 → 7 of 7 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Choctaw and Mississippi
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- Bank of ForestBank or thrift · Forest, MSHome repair / improvement loans, Home mortgages, Personal / consumer loansVerified
Work at Choctaw Federal Credit Union? Link to this page
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