Make sure you're prepared to head back to the classroom with our Back To School loan special!

• *Loan Period:** 07-01-25 to 08-29-25  
• *Loan Amount:** $500  
• *Term:** 5 months  
• *Interest Rate:** 18%  
• *Monthly Payment:** Approximately $112  
• *Processing Fee:** $35  
• *Required Documentation:**  

        Last two paycheck stubs

## Qualification Criteria for the Member:

• Must have been a member for at least one year  
• Must have been employed for a minimum of one year  
• Must have direct deposit set up at 1st MS 
• Must maintain a positive share balance and not be in the negative   
• Must be current on all loans with 1st MS  
• Cannot have a charge-off share or loan with 1st MS  
• Must not be in bankruptcy or have a current garnishment on their paycheck  

May only hold two unsecured loans with 1st MS, including this one