Rates

Rates effective as of 06/20/2017. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Fees may reduce earnings.

Share Accounts

AccountMinimum Opening DepositBalance Required to Earn DividendsRateAPY
Member Savings$5All balances0.05%0.05%
High Dividend Checking$5,000Less than $100,0000.05%0.05%
High Dividend Checking$5,000$100,000+0.17%0.17%
Money Market Savings$2,500All balances0.10%0.10%
Holiday Club$5Up to $10,0000.30%0.30%
Holiday Club$5Over $10,0000.050%0.050%
IRA SharexxAll balances0.25%0.25%

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 High Interest Checking account. Fees may reduce the earnings on a High Interest Checking account if the balance ever falls below $5000.00.

Share Certificates

TermMinimum BalanceRateAPY
3 Month (91 days)$5000.220%0.220%
$50,0000.245%0.245%
6 Month (183 days)$5000.320%0.320%
$50,0000.345%0.345%
12 Month (365 days)$5000.420%0.420%
$50,0000.445%0.445%
18 Month (548 days)$5000.469%0.470%
$50,0000.494%0.495%
24 Month (730 days)$5000.569%0.570%
$50,0000.594%0.595%
30 Month (913 days)$5000.619%0.620%
$50,0000.644%0.645%
36 Month (1095 days)$5000.748%0.750%
$50,0000.798%0.800%
48 Month (1460 days)$5000.847%0.850%
$50,0000.897%0.900%
60 Month (1825 days)$5001.095%1.100%
$50,0001.144%1.150%

Penalty for early withdrawal.

Auto Loans

Vehicle YearTermRateAPR
2016 & newer36 months2.74%2.74%
48 months2.99%2.99%
60 months3.12%3.12%
72 months3.74%3.74%
Variable rate2.99%2.99%
2007 - 2015 UsedFixed rate3.37%3.37%
Variable rate2.99%2.99%
2002 - 2006 Older UsedFixed rate6.37%6.37%
Variable rate5.99%5.99%
Classic AutoFixed rate3.87%3.87%
Variable rate2.99%2.99%

Motorcycle Loans

Motorcycle YearTermRateAPR
2016 & newer36 months3.99%3.99%
48 months4.24%4.24%
60 months4.37%4.37%
72 months4.99%4.99%
Variable rate4.49%4.49%
2007 - 2015 UsedFixed rate5.12%5.12%
Variable rate4.49%4.49%
Classic MotorcycleFixed rate5.37%5.37%
Variable rate4.49%4.49%

Recreational Vehicle Loans

ATV and Lawn TractorTermRateAPR
2016 & newer60 months4.62%4.62%
84 months5.24%5.24%
Variable rate4.49%4.49%
2007 - 2015 UsedFixed rate5.12%5.12%
Variable rate4.49%4.49%
RV, Aircraft, Boat and TractorTermRateAPR
2016 & newer60 months4.62%4.62%
84 months5.24%5.24%
120 months5.49%5.49%
144 months RV only5.49%5.49%
Variable rate4.49%4.49%
2007 - 2015 Used60 months5.12%5.12%
120 months5.99%5.99%
Variable rate4.49%4.49%

Other Personal Loans

Loan TypeTermRateAPR
Personal LoanVariable rate8.75%8.75%
Personal Line of CreditVariable rate9.50%9.50%
VISA Platinum9.50 - 17.75%9.50 - 17.75%

Real Estate Loans

TypeTermsRateAPR
Home Equity Line of Credit0 - 70% LTV; Variable rate; TN & MS residents only4.25%4.25%
71 - 80% LTV; Variable rate; TN & MS residents only4.75%4.75%
Home Equity 2nd Lienup to 60 months; Fixed rate; TN, MS & TX residents only4.00%4.00%
61 - 120 months; Fixed rate; TN, MS & TX residents only4.09%4.09%
121 - 180 months; Fixed rate; TN, MS & TX residents only4.20%4.20%
181 - 240 months; Fixed rate; TN, MS & TX residents only4.39%4.39%
First Mortgage/1st Lien Home Equityup to 60 months; Fixed rate; TN, MS & TX residents only3.65%3.65%
61 - 120 months; Fixed rate; TN, MS & TX residents only3.74%3.74%
121 - 180 months; Fixed rate; TN, MS & TX residents only3.85%3.85%
181 - 240 months; Fixed rate; TN, MS & TX residents only4.04%4.04%
30 Year/7 Balloon; TN, MS & TX residents only3.69%3.69%
Lot LoanFixed Rate4.25%4.25%

All loan rates shown are "as low as", indicate an "A+" rate for automobiles, motorcycles, and recreational, an "A" rate for all others, 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.