Skip To Main Content

Personal Rates

Personal Savings Rates

Checking

TERMS DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Spending Plus Account (Balances $0.01–$5,000) 3.928% 4.00%
Spending Plus Account (Balances $5,000.01 & Greater) 0.010% 0.01%
*See Disclosure section below for details.

Savings

TERMS DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Membership Account 0.010% 0.01%
Plan Ahead Savings 0.010% 0.01%
HSA Account 0.010% 0.01%
*See Disclosure section below for details.

Certificate Rates

TERMS DIVIDEND RATE ANNUAL PERCENTAGE YIELD
*See Disclosure section below for details.
Balances of $500.00–$99,999.99 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
3 months through 5 months 4.410% 4.50%
6 months through 11 months 3.687% 3.75%
12 months through 23 months 3.687% 3.75%
24 months through 35 months 2.960% 3.00%
36 months through 47 months 2.960% 3.00%
48 months through 59 months 2.960% 3.00%
60 months 2.960% 3.00%
Minimum balance of $500 required. Any certificate may be opened as an IRA Certificate. See Disclosure section below for details*.
Balances $250,000.00 & greater Terms DIVIDEND RATE ANNUAL PERCENTAGE YIELD
3 months through 5 months 4.410% 4.50%
6 months through 11 months 3.687% 3.75%
12 months through 23 months 3.687% 3.75%
24 months through 35 months 2.960% 3.00%
36 months through 47 months 2.960% 3.00%
48 months through 59 months 2.960% 3.00%
60 months 2.960% 3.00%
Minimum balance of $250,000 required. Any certificate may be opened as an IRA Certificate. See Disclosure section below for details*.

Money Market Rates

TERMS DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Balances Less than $2,500 0.050% 0.05%
Balances of $2,500 to $24,999 0.100% 0.100%
Balances of $25,000 to $49,999 0.250% 0.250%
Balances of $50,000 to $99,999 0.499% 0.500%
Balances of $100,000 - $249,999 1.243% 1.250%
Balances of $250,000 or more 1.736% 1.750%
*See Disclosure section below for details.

IRA Savings Rates

TERMS DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Balances Less than $2,500 0.050% 0.05%
Balances of $2,500 to $24,999 0.050% 0.05%
Balances of $25,000 to $49,999 0.050% 0.05%
Balances of $50,000 to $99,999 0.100% 0.10%
Balances of $100,000 -$249,000 0.150% 0.15%
Balances of $250,000 or more 0.200% 0.20%
*See Disclosure section below for details.

*Rates accurate as of

.

 

TRUTH IN SAVINGS DISCLOSURES

The following disclosures and terms apply to your accounts with the Credit Union. The Rates & Fees Schedule also sets out terms of your accounts and is hereby incorporated by reference as if fully set forth herein.

Personal Loan Rates

Home Equity Line of Credit (HELOC) and Land Loans

Name Rate
HELOC Call for Rates
80% Up to 15 acres Call for Land Loan Inquiries
*See disclosure section below for details

Adjustable Mortgages

Name Rate
Flex-5 Click Here
*See disclosure section below for details

Fixed-Rate Mortgages

Name Rate
Fixed Rate Mortgages Click Here
*See disclosure section below for details

Vehicle Loans

Name Rate
Secured Loans (Auto, Motorcycle & ATV) as low as 6.79% APR*
Secured Loans (Boat & RV) as low as 8.29% APR*
*See disclosure section below for details

Other Loans

Name Rate
Personal as low as 9.99% APR*
Personal Line of Credit as low as 12.74% APR**
Share Secured 2.00% over rate paid on base share account***
Share Certificate Secured 2.00% over rate paid on certificate of deposit***
*See disclosure section below for details

*Rates accurate as of

.

 

 

CONSUMER FIXED

*Lowest rates based on Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice.

Variable Rate Consumer Loans

**Personal Service Line of Credit Loans: The ANNUAL PERCENTAGE RATE (APR) for new and existing balances will be the highest published Wall Street Journal Prime Rate (Index) on the 15th day of the month prior to the change date plus a Margin of 4.24% to 9.74%.  If the 15th day of the month is a non-publishing date, the Prime Rate would be the rate listed in the Wall Street Journal on the first publishing date following the 15th day of the month.  The Margin you receive is based on your credit score.  The Annual Percentage Rate will change quarterly on the first day of January, April, July and October of each year to reflect any change in the Index and Margin values.   The Annual Percentage Rate will never be greater than 18% or the maximum rate allowed by applicable law.  Any increase will lengthen the time it takes to pay off your loan.

***Share Secured Variable Rate Advances:  The ANNUAL PERCENTAGE RATE    on the new advances and the existing balances will be the dividend rate being paid on the regular share account being used as collateral (index) plus a margin of 2.00%.  If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new (APR).  The (APR) is subject to change on the first day of each month.
Rates for Variable Rate Advances:  Rates are adjusted on the first day of each calendar month.  There is no maximum or minimum rate, except that the rate will never exceed the maximum rate allowed to be charged by federally chartered credit unions, as established from time to time by the National Credit Union Administration.  If there is a rate increase, the payment amount will remain unchanged and the number of payments required to retire the debt will be extended at the same periodic payment level.

****Certificate of Deposit Secured: The ANNUAL PERCENTAGE RATE on Certificates of Deposit Secured Advances will be the rate being paid on the certificate pledged as security on the date of the advance plus a margin of 2.00%.  If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR.  The maturity date of any loan secured by a certificate may not exceed the maturity date of the certificate, which secures the loan.  If the loan is not repaid in full at the time of the certificates maturity date, a new loan secured by the renewed certificate (at the option of the Credit Union) will be 2.00% over the rate being paid on the new certificate.  The (APR) and Daily Periodic Rate will be disclosed on the voucher accompanying the advance.​

Adjustable Mortgages

Rates are subject to change without notice. Real estate property must be located in the state of Tennessee.

  • 5/1 ARM (Flex​-5 Mortgage)
  • No points, 1.00 origination, terms to 30 years

Fixed-Rate Mortgages

Rates are subject to change without notice. Real estate property must be located in the state of Tennessee.

 

­ ­