Current Rates & Terms

Rates effective December 1, 2022.

Savings, Legacy checking, Preferred checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of December 1, 2022. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a savings account is $5.00. The minimum opening deposit on a checking account is $20.00 or establishment of incoming automatic transfer or direct deposit. Fees and other conditions could reduce earnings. For more information regarding fees see the Fee Addendum.

Rates effective December 1, 2022. For more information regarding fees see the Fee Addendum.

Rates effective October 1, 2023.

Savings, Interest Earning Checking, Preferred Checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of October 1, 2023. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a savings account is $5.00. The minimum opening deposit on a checking account varies. Fees and other conditions could reduce earnings. See Fee Addendum for information regarding fees.

*Preferred Checking is no longer offered and is only available to members who had Preferred Checking prior to October 1, 2023.

Rates effective December 1, 2022. For more information regarding fees see the Fee Addendum.

Rates effective December 1, 2022.

Savings, Legacy checking, Preferred checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of December 1, 2022. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a savings account is $5.00. The minimum opening deposit on a checking account is $20.00 or establishment of incoming automatic transfer or direct deposit. Fees and other conditions could reduce earnings. For more information regarding fees see the Fee Addendum.

Rates effective December 1, 2022.

Savings, Legacy checking, Preferred checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of December 1, 2022. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a savings account is $5.00. The minimum opening deposit on a checking account is $20.00 or establishment of incoming automatic transfer or direct deposit. Fees and other conditions could reduce earnings. For more information regarding fees see the Fee Addendum.

*Members must be 13 years or older to be eligible for a checking account.

**Preferred Checking is no longer offered and is only available to members who had Preferred Checking prior to October 1, 2023.

Rates effective July 24, 2024.

Share Certificate Accounts and Individual Retirement Account Share Certificates - Certificate rates are normally established each Wednesday. Fees and/or other conditions may reduce earnings on the account. A penalty may be imposed for early withdrawal. If you have any comments or requests, please email or call 800-342-3086.

Rates effective August 1, 2023.

Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of March 1, 2023. The minimum opening deposit is $2,500. These accounts are limited to six withdrawals per month, then a $10 service fee is charged for each withdrawal in excess of six. For more information regarding fees see the Fee Addendum.

Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of June 1, 2024. The minimum opening deposit is $2,500. These accounts are limited to six withdrawals per month, then a $10 service fee is charged for each withdrawal in excess of six. For more information regarding fees see the Business Rate and Fee Addendum.

Rates effective August 1, 2023.

Dividend rates are calculated using the daily balance method. Dividends are compounded monthly. Dividends are credited monthly. The dividend period is based on the calendar month.

IRS Regulations will apply.

Rates effective March 1, 2024.

Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price.

An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older.

Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.

Amount available is based on a percentage of MSRP or NADA Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness.

Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors’ approval.

Based on an APR of 6.49%, your monthly payment on a $10,000 loan amount and a 60-month term would be $196.11. Based on an APR of 6.99 %, your monthly payment on a $15,000 loan amount and a 61-month term would be $293.67. Based on an APR of 7.85%, your monthly payment on a $25,000 loan amount and a 76-month term would be $419.78.

Based on an APR of 6.99%, your monthly payment on a $10,000 loan amount and a 60-month term would be $198.50. Based on an APR of 7.49%, your monthly payment on a $15,000 loan amount and a 61-month term would be $297.29. Based on an APR of 8.10%, your monthly payment on a $25,000 loan amount and a 76-month term would be $422.90.

Rates effective March 1, 2024.

Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.

Based on an APR of 7.64%, your monthly payment on a $10,000 loan amount and a 60-month term would be $201.64. Based on an APR of 7.74%, your monthly payment on a $20,000 loan amount and a 61-month term would be $398.81. Based on an APR of 7.84%, your monthly payment on a $60,000 loan amount and an 85-month term would be $924.94. Based on an APR of 7.94%, your monthly payment on a $75,000 loan amount and a 121-month term would be $905.40.

Based on an APR of 8.14%, your monthly payment on a $10,000 loan amount and a 60-month term would be $204.07. Based on an APR of 8.24%, your monthly payment on a $20,000 loan amount and a 61-month term would be $403.69. Based on an APR of 8.34%, your monthly payment on a $60,000 loan amount and an 85-month term would be $940.16. Based on an APR of 8.44, your monthly payment on a $75,000 loan amount and a 121-month term would be $925.58.

Policies subject to change upon regulation change or Board of Directors’ approval.

100% of the MSRP or 110% of the invoice price if MSRP is not available. Percentage is determined by credit worthiness.

100% of NADA retail value. Percentage is determined by credit worthiness.

Rates effective July 16, 2024.

The actual annual percentage rate you will receive will be based upon your credit score. You will be informed of the annual percentage rate for which you qualify before you become contractually liable for the loan account. Restrictions may apply. For complete details on all loan products, please review our loan product pages or contact us at 800-342-3086, extension 1300.

Rates effective April 16, 2024.

The actual annual percentage rate you will receive will be based upon your credit score. You will be informed of the annual percentage rate for which you qualify before you become contractually liable for the loan account. Restrictions may apply. For complete details on all loan products, please review our loan product pages or contact us at 800-342-3086, extension 1300.

Primary residence in state of Tennessee.

Rates effective July 27, 2023.

The actual annual percentage rate you will receive will be based upon your credit score. You will be informed of the annual percentage rate for which you qualify before you become contractually liable for the loan account. Restrictions may apply. For complete details on all loan products, please review our loan product pages or contact us at 800-342-3086.

Primary residence in state of Tennessee.

Terms Available: 10-Year Draw Period

Rates effective August 1, 2023.

Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.

Amount available determined by creditworthiness.

Based on an APR of 14.10%, your monthly payment on a $10,000 loan amount and a 60-month term would be $234.47.

Rates effective August 1, 2023.

The Annual Percentage Rate (APR) for new and existing advances will be the Prime Rate as published by the Wall Street Journal (Index), plus a Margin between 5.6% and 15.0% up to 18% cap. The APR will change on the first day of each month to reflect any change in the Index. The APR will never be greater than 18% or the maximum rate allowed by law, whichever is less. Any increases or decreases in the APR will take the form of more or fewer payments of the same amount until what you owe has been repaid.

Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.

Minimum payment, 2.50% of the balance, recalculated each advance.

Amount available determined by credit worthiness.