Auto & Vehicle Loans

Please recall that as part of your loan obligation you are required to maintain physical damage/Comp & Collision insurance for the full term of your loan.

If you have insurance, you will need your insurance declarations page and the notice from Keesler. Then, please fill out this Vehicle Insurance Verification Form. We will contact your insurance agent to verify that the data on the form is correct.

If you do not have insurance, please contact an insurance agency or company of your choice and purchase full coverage, including comprehensive and collision, and list Keesler Federal Credit Union as the lien holder.

You can pay online, by phone, by mail or at your nearest branch. You can also set up a recurring online payment option. See all loan payment options here.

Home Equity Loans & Lines

  • Maximum Draw Period – 5 years
  • Maximum Loan Term – 20 years

Payments are always due on the 1st of the month.

The minimum monthly payment is $100. Payments are based on the repayment period and balance owed at the time of rate change or advance.

  • Rate = Prime Rate + a margin (based on the member credit score)
  • Rate can adjust quarterly (January, April, July and October) after the first 6 months Introductory Rate
  • 2% Cap Per Year (placed on loan so it cannot increase or decrease more than the 2 percentage points per year)
  • Max interest rate can go as high as 18%
  • Initial rate as low as 2.49% for the first 6 months

You can borrow up to 90% of appraised value, less balance on 1st mortgage (based on credit score).

  • Max loan amounts up to $150,000.00
  • Minimum Loan amount $10,000.00

No. Home equity loans are for owner occupied primary residences and second homes.

No. All home construction must be 100% complete to qualify for a home equity loan.

Available in AL,FL, LA, and MS ONLY.

Loan Payments

No, only one email address can be used per account.

Please contact your external account’s financial institution/card issuer.

You will receive a payment confirmation email to the address specified when you signed up.

No. Loans may be paid off by calling Keesler Federal Member Contact Center at 1-888-KEESLER (533-7537) or in person at a branch. No fee will be charged for final loan payments handled by phone or in person.

Payments made by 6 PM CT will be posted to your account the day of the transaction, with the exception of credit cards, business loans and mortgages, which may take 24-48 hours to post.

Once you are on the online payment portal login page, you will either:

  • Create a new account by clicking the Register button
  • Log in with your email and the password you created previously.
    NOTE: If you have forgotten your password, click the Forgot Your Password? link and follow the prompts to reset.

Once logged in, you will either:

  • Enter your name and Keesler Federal Credit Union account number so the system can search and display your existing loans (if it is your first visit)
  • See your existing loans displayed (if you have already completed this step on a prior visit)

Select the loan account you wish to pay and click either the Setup AutoPay button or the Pay Now button.
NOTE: If you have previously set up AutoPay on the online payment portal the button will state Edit Auto Pay.

Once you are on the next screen, follow the prompts to enter your debit card information for a one-time payment or enter your bank account information to set up AutoPay.

You will need either your debit card information (for one-time payments) or your bank account number and routing number (for recurring payments) from the other institution.

No, payments may only be made using debit cards or accounts you have with another financial institution.

No, payments may be made using debit cards or accounts you have with another institution.

You may make payments on your Keesler Federal personal loans, auto loans, HELOC, 1st mortgages, credit cards and business loans.

No – all payments made through the online payment portal are free. This includes one-time or recurring monthly payments. Payments made over the phone with a Keesler Federal Member Contact Center Representative, or in person at a Keesler Federal branch, will incur a $5 per transaction fee.

Mortgage Loans

10 to 30 years.

  • FHA
  • VA
  • Conventional
  • USDA
  • Home Free
  • Home Time ARM
  • Land Loans (Fixed Rate & ARM)
  • Construction

Keesler Federal’s only in-house fees are the origination fee and processing fee. All other fees are outside fee (attorney fees, appraisal fee, credit report fee are a few) Funds will be collected to set up escrow account for taxes and insurance.

Property/Home must be located in the state of Alabama, Louisiana, Mississippi or Florida.

Payments can be made online, over the phone or in a branch. Balances will not show on the member’s receipt for payments made within a branch. See all loan payment options here.

All mortgage payments are due on the 1st of the month and will accrue a $25 late fee after the 15th of each month.

Member Contact Center

Hours (CST)

Mon-Fri: 5:00am – 7:00pm
Sat: 8:00am – 1:00pm


Call us at: 00-800-8900-9000
or from Finland at: 990-800-8900-9000