Rates

Rates effective as of 11/07/2019. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Fees may reduce earnings.

Share Accounts

Account Minimum Opening Deposit Balance Required to Earn Dividends Rate APY
Member Savings $5 All balances 0.060% 0.060%
High Dividend Checking $5,000 Less than $100,000 0.090% 0.090%
High Dividend Checking $5,000 $100,000+ 0.230% 0.230%
Money Market Savings $2,500 All balances 0.130% 0.130%
Holiday Club $5 Up to $10,000 0.300% 0.300%
Holiday Club $5 Over $10,000 0.060% 0.060%
IRA Share xx All balances 0.500% 0.501%

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

Term Minimum Balance Rate APY
3 Month (91 days) $500 0.300% 0.300%
  $50,000 0.325% 0.325%
6 Month (183 days) $500 0.748% 0.750%
  $50,000 0.773% 0.775%
12 Month (365 days) $500 1.095% 1.100%
  $50,000 1.120% 1.125%
18 Month (548 days) $500 1.144% 1.150%
  $50,000 1.169% 1.175%
24 Month (730 days) $500 1.194% 1.200%
  $50,000 1.219% 1.225%
30 Month (913 days) $500 1.194% 1.200%
  $50,000 1.219% 1.225%
36 Month (1095 days) $500 1.243% 1.250%
  $50,000 1.293% 1.300%
48 Month (1460 days) $500 1.342% 1.350%
  $50,000 1.392% 1.400%
60 Month (1825 days) $500 1.441% 1.450%
  $50,000 1.490% 1.500%

Penalty for early withdrawal.

Auto Loans

Vehicle Year Term Rate APR
2018 & newer 36 months 3.29% 3.29%
48 months 3.54% 3.54%
60 months 3.67% 3.67%
72 months 3.99% 3.99%
Variable rate 3.14% 3.14%
2009 - 2017 Used Fixed rate 3.92% 3.92%
Variable rate 3.14% 3.14%
2004 - 2008 Older Used Fixed rate 6.92% 6.92%
Variable rate 6.14% 6.14%
Classic Auto Fixed rate 4.42% 4.42%
Variable rate 3.14% 3.14%

Motorcycle Loans

Motorcycle Year Term Rate APR
2018 & newer 36 months 4.54% 4.54%
48 months 4.79% 4.79%
60 months 4.92% 4.92%
72 months 5.54% 5.54%
Variable rate 4.64% 4.64%
2009 - 2017 Used Fixed rate 5.67% 5.67%
Variable rate 4.64% 4.64%
Classic Motorcycle Fixed rate 5.92% 5.92%
Variable rate 4.64% 4.64%

Recreational Vehicle Loans

ATV and Lawn Tractor Term Rate APR
2018 & newer 60 months 5.17% 5.17%
84 months 5.79% 5.79%
Variable rate 4.64% 4.64%
2016 - 2017 Used (ATVs Only) Fixed rate 5.67% 5.67%
Variable rate 4.64% 4.64%
RV, Aircraft, Boat and Tractor Term Rate APR
2018 & newer 60 months 5.17% 5.17%
84 months 5.79% 5.79%
120 months 6.04% 6.04%
144 months RV only 6.04% 6.04%
Variable rate 4.64% 4.64%
2009 - 2017 Used 60 months 5.42% 5.42%
120 months 6.29% 6.29%
Variable rate 4.64% 4.64%

Other Personal Loans

Loan Type Term Rate APR
Personal Loan Variable rate 9.50% 9.50%
Personal Line of Credit Variable rate 10.25% 10.25%
VISA Platinum   10.25 - 17.75% 10.25 - 17.75%

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.

Real Estate Loans

Type Terms APR* Calculation per $1000**
Home Equity Line of Credit 0 - 70% LTV; Variable rate; TN & MS residents only 5.00% 1.6% of balance at time of advance, $20 minimum
71 - 80% LTV; Variable rate; TN & MS residents only 5.50% 1.6% of balance at time of advance, $20 minimum
Home Equity 2nd Lien up to 60 months; Fixed rate; TN, MS & TX residents only 3.78% $18.32
61 - 120 months; Fixed rate; TN, MS & TX residents only 3.90% $10.08
121 - 180 months; Fixed rate; TN, MS & TX residents only 4.04% $7.42
181 - 240 months; Fixed rate; TN, MS & TX residents only 4.20% $6.17
First Mortgage/1st Lien Home Equity up to 60 months; Fixed rate; TN, MS & TX residents only 3.43% $18.16
61 - 120 months; Fixed rate; TN, MS & TX residents only 3.55% $9.91
121 - 180 months; Fixed rate; TN, MS & TX residents only 3.69% $7.24
181 - 240 months; Fixed rate; TN, MS & TX residents only 3.85% $5.98
30 Year/7 Balloon; TN, MS & TX residents only 3.55% $4.52
Lot Loan 10 year Amortization with a balloon due on 31st payment 5.00% $10.61

**Payments are calculated per $1000 using maximum term per range with the 1st payment in 30 days

Listed APR is AS LOW AS and is based on credit qualification

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.