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 $100,000.00–$249,999.99 Terms	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
3 months through 5 months	4.937%	5.05%
6 months through 11 months	3.928%	4.00%
12 months through 23 months	3.928%	4.00%
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 $100,000 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	4.937%	5.05%
6 months through 11 months	3.928%	4.00%
12 months through 23 months	3.928%	4.00%
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.

- RATE INFORMATION. Please see our current Rates & Fees Schedule for current Annual Percentage Yield (APY), any applicable tiers, and variable rate accounts. The Annual Percentage Yield (APY) reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and Annual Percentage Yield (APY) may vary as explained in the Rates & Fees Schedule and may change at any time as determined by our Board of Directors. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated on the Rates and Fees Schedule, if so indicated. For tiered accounts, your rates will change according to the table disclosed in in the Rates & Fees Schedule, as your balance fluctuates.
- NATURE OF DIVIDENDS. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
- COMPOUNDING AND CREDITING. The frequency with which Dividends will be compounded and credited and the Dividend Period is set forth on the Rates & Fees Schedule. The Dividend "Period" begins on the first calendar day of the period and ends on the last calendar day of the period. If you close your account before dividends are paid, you will not receive the accrued dividends.
- MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements for each account is set forth on the Rates & Fees Schedule. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account. The Par Value of a share in this credit union is also disclosed on the Rates & Fees Schedule. For Accumulation Individual Retirement Accounts, the minimum deposit required to open the account is $500.00. However you may agree to make deposits via payroll deduction, which would bring your account balance to $500.00 within 12 months of the account opening date. IRA's closed or taken below $500.00 balance within 0 - 6 months of opening will be assessed an early withdrawal penalty.
- BALANCE COMPUTATION METHOD. We use the Daily Balance Method to calculate Dividends on your account, as indicated on your Rates & Fees Schedule. The Daily Balance Method applies a daily periodic rate to the balance in the account each day.
- ACCRUAL OF DIVIDENDS ON NONCASH ITEMS. Dividends will begin to accrue on the business day that you deposit noncash items (e.g. checks) to your account.
- FEES AND CHARGES. We may impose fees, charges, or penalties against your account(s). Please see our Rates & Fees Schedule for the types, amounts, and conditions of the fees and charges.
- ACCOUNT LIMITATIONS. For Money Market Savings account, no more than six debits per month. If more than six (6)debits occur within a month the account may be subject to a fee (see fee disclosure for details). Additionally, a monthly service fee may apply if a minimum balance is not maintained (see fee disclosure for details). For Escrow Accounts, withdrawals are allowed only for the purpose of paying real estate related expenses and withdrawals will be made by the credit union on your behalf. For Spending Plus Accounts, a monthly service fee may apply if a minimum balance is not maintained (see fee disclosure for details). Overdraft protection is not offered for savings accounts or HSA Spending Accounts.
- DIGITAL SPENDING ACCOUNT. Earn one (1) cent per purchase. Qualifications for rewards: enrollment in online / mobile banking, bill pay, and e-statements, direct deposit or enrollment in Round Up, and a minimum of 15 debit card transactions posted each month. ATM transactions do not qualify. Direct deposit within 35 days of statement date. Online/Mobile Banking requires a successful login every 6 months to remain active.
- VISA CHECKCARD ROUND UP SAVINGS. An optional Round Up savings service is available on spending accounts with at least one VISA Check Card.
Opting in to the Round Up service authorizes us to "round up" the amount of any debit card purchase made by you or a joint owner of your spending account to the next whole dollar amount and transfer the amount in excess of the purchase price from your spending account to your savings account. Consent must be given to us to begin or discontinue the service and can be authorized by any account owner.
The daily Round Up transfer is an aggregate of purchase activity made by all VISA Check Cards related to your spending account. No round up transfer will occur on any day should your spending account not have sufficient available funds for the transfer. Cancellation or reversal of a VISA Check Card transaction will result in the corresponding round up transfer remaining in the savings account.
The service is available on consumer accounts only. Business and other nonhuman accounts are not eligible.
We are not responsible for any non-sufficient funds (NSF) fees that may result from outstanding items that post to the spending account after the daily Round Up transfer occurs. We reserve the right to cancel the VISA Check Card Round Up service at any time without prior notice.

Personal Loan Rates

Equity, Second Mortgage and Land Loans
Name	Rate
HELOC	Click Here
80% 5-50 acres	Click Here
*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 6.99% APR*
Secured Loans (Boat & RV)	as low as 8.49% 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.

Equity Mortgage

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

5/1 Adjustable-Rate Mortgage (ARM) (Fixed rate first 5 years)
15-year term
Refinancing options available

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.

Personal Rates

Personal Savings Rates

Checking

Savings

Certificate Rates

Money Market Rates

IRA Savings Rates

TRUTH IN SAVINGS DISCLOSURES

Truth In Savings Disclosures

Authorization

Transfer Calculation

Account Transfers

Availability

Truth in Savings Disclosures and Rates & Fees Schedule

Personal Loan Rates

Equity, Second Mortgage and Land Loans

Adjustable Mortgages

Fixed-Rate Mortgages

Vehicle Loans

Other Loans

CONSUMER FIXED

Variable Rate Consumer Loans

Equity Mortgage

Adjustable Mortgages

Fixed-Rate Mortgages