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Loans
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Rate
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APR*
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CALCULATOR
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2008 and Newer Auto - Fixed Rate
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5.25
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5.25
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Calculator
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2008 and Newer Auto - Variable Rate
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5.00
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5.00
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Calculator
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1990 - 2007 Used Auto - Fixed Rate
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5.90
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5.90
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Calculator
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1990 - 2007 Used Auto - Variable Rate
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5.00
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5.00
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Calculator
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2008 and Newer Toys - Fixed Rate: RV's, Aircraft, Boats, Motorcycles, Tractors, Riding Lawnmowers
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6.49
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6.49
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Calculator
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2008 and Newer Toys - Variable Rate: RV's, Aircraft, Boats, Motorcycles, Tractors, Riding Lawnmowers
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5.00
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5.00
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Calculator
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1990 - 2007 Used Toys - Fixed Rate: RV's, Aircraft, Boats, Motorcycles, Tractors, Riding Lawnmowers
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8.49
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8.49
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Calculator
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1990 - 2007 Used Toys - Variable Rate: RV's, Aircraft, Boats, Motorcycles, Tractors, Riding Lawnmowers
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5.00
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5.00
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Calculator
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Classic Auto - Fixed Rate
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10.60
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10.60
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Calculator
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Classic Auto - Variable Rate
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5.35
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5.35
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Calculator
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Lot Loan - Fixed Rate
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9.75
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9.75
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Calculator
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Personal Loan - Variable Rate
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8.35
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8.35
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Calculator
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Line of Credit - Variable Rate
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7.75
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7.75
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Calculator
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Home Equity Line of Credit 0-80% LTV (TN and MS residents only) - Variable Rate
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5.00
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5.00
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Calculator
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Home Equity Line of Credit 81-90% LTV (TN and MS residents only) - Variable Rate
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6.00
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6.00
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Calculator
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Home Equity Line of Credit 91-100% LTV (TN and MS residents only) - Variable Rate
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7.00
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7.00
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Calculator
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Texas Home Equity (up to 60 months, TX residents only) - Fixed Rate
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5.75
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5.75
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Calculator
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Texas Home Equity (61-120 months, TX residents only) - Fixed Rate
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6.00
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6.00
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Calculator
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Texas Home Equity (121-180 months, TX residents only) - Fixed Rate
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6.50
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6.50
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Calculator
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Texas Home Equity (181-240 months, TX residents only) - Fixed Rate
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7.25
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7.25
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Calculator
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VISA Classic (click here for disclosures)
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10.49
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11.24
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Calculator
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VISA Gold (click here for disclosures)
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7.25
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8.00
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Calculator
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VISA Platinum (click here for disclosures)
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9.75
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9.75
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Calculator
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*Indicates Annual Percentage Rate. All loan rates shown are "as low as", indicate an "A" rate, and are based on automatic payroll deduction. Term restrictions may apply. Variable rates are subject to change according to the terms of the agreement. The maximum annual percentage rate for all variable rate loans is 18%. These rates are subject to change without notice. Contact a loan officer for more details on each of the loans.
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Savings
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Dividend Rate
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APY*
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Regular Savings - Effective December 1, 2008
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0.35
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0.35
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Money Market Checking - Effective April 1, 2008
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1.60
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1.61
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Money Market Savings - Effective April 1, 2008
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1.20
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1.21
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Holiday Club - Effective April 1, 2008
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1.00
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1.00
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IRA Share Account - All types - April 1, 2008
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0.80
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0.80
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*Indicates Annual Percentage Yield. Unless otherwise stated, rates are current as of the current date. These are variable rates and the rates may change after an account is opened. There is no minimum balance required to earn dividends. There is a $5.00 deposit required to open a savings account. There is a $2500.00 deposit required to open a Money Market Savings account. There is a $5000.00 deposit required to open a Money Market Checking account. Fees may reduce the earnings on a Money Market Checking account if the balance ever falls below $5000.00.
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Certificates
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Dividend Rate
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APY*
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Term
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(in days)
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91 Day Cert (min. $500)
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1.98
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2.00
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91
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91 Day Cert (min. $50,000)
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2.08
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2.10
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91
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6 Months (min. $500)
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2.22
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2.25
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183
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6 Months (min. $50,000)
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2.32
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2.35
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183
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1 Year (min. $500)
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2.47
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2.50
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365
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1 Year (min. $50,000)
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2.57
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2.60
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365
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