Current Rates & Terms

Rates and tiers effective November 1, 2025.

Savings Accounts are variable-rate accounts, and the rates may change. Annual Percentage Yields (APYs) stated are accurate as of November 1, 2025. The savings account uses a tiered-rate structure. Dividend rates and APYs are calculated based on your daily balance according to the entire balance of your account. Dividends will be compounded monthly and credited to your account monthly. The minimum opening deposit on a savings account is $5.00. Fees and other conditions could reduce earnings. For more information regarding fees, see the Rate and Fee Addendum.

Rates effective November 1, 2025.

Savings Accounts are variable-rate accounts, and the rates may change. Annual Percentage Yields (APYs) stated are accurate as of November 1, 2025. The savings account uses a tiered-rate structure. Dividend rates and APYs are calculated based on your daily balance according to the entire balance of your account. Dividends will be compounded monthly and credited to your account monthly. The minimum opening deposit on a savings account is $5.00. Fees and other conditions could reduce earnings. For more information regarding fees, see the Rate and Fee Addendum.

Rates effective October 1, 2026.

High-Yield Checking and Preferred Checking* accounts are variable-rate accounts, and the rates may change. There is no minimum balance required to earn the stated Annual Percentage Yields (APYs). The minimum opening deposit on a checking account varies. Fees and other conditions could reduce earnings. See Rate and Fee Addendum for information.

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

Rates effective November 1, 2022. For more information regarding fees, see the Rate and Fee Addendum.

Rates effective December 1, 2022.

The Christmas Club account is a variable-rate account, and the rates may change. Annual Percentage Yield (APY) stated is accurate as of December 1, 2022. Fees and other conditions could reduce earnings. For more information regarding fees, please refer to the Rate and Fee Addendum.

Rates effective November 1, 2025.

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 November 1, 2025. 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 the establishment of an incoming automatic transfer or direct deposit. Fees and other conditions could reduce earnings. For more information regarding fees, please refer to the Rate and Fee Addendum.

*Members must be 13 years or older to be eligible for a checking account. Applies to balances up to $15,000.

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

Rates effective October 1, 2026.

Annual Percentage Yield (APY)

For Regular, Business and/or Individual Retirement Account (IRA) Share Certificates: Rates are normally established each Wednesday. Fees and/or other conditions may reduce the account's earnings. A penalty may be imposed for early withdrawal. A negotiated rate may be obtained for a certificate in the amount of $100,000.00 or greater.

For the Home Purchase Share Certificate account, we may pay the account before maturity without imposing the penalty when the withdrawal is made in conjunction with the purchase of a home upon receiving appropriate documentation in the credit union's sole discretion.

The 9-Month Special Share Certificate Account automatically renews into the 12-Month Share Certificate Account at the rate in effect on the maturity date.

Please see the Rate Schedule and Truth in Savings: Certificate Accounts for consumer Share Certificate Accounts and the Business Solutions Certificate Accounts Rate Schedule, both available on our Disclosures and Notices page. For questions, please contact us online or call 800-342-3086.
 

High-Yield Money Market accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yield (APY) stated is accurate as of October 1, 2026. For more information regarding fees, please see the Rate and Fee Addendum.

*Traditional Money Market accounts are no longer offered and are only available to members who had Traditional Money Market accounts prior to April 1, 2026. These accounts are limited to 6 withdrawals per month; a $10 service fee is charged for each withdrawal in excess of 6.

Money market accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of October 1, 2026.

*For the Traditional Business Money Market, the minimum opening deposit is $2,500. Traditional 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 November 1, 2025.

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 October 1, 2026.

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 JD Power 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 5.49%, your monthly payment on a $10,000 loan amount and a 60-month term would be $191.37. Based on an APR of 5.99%, your monthly payment on a $15,000 loan amount and a 61-month term would be $286.50. Based on an APR of 6.49%, your monthly payment on a $25,000 loan amount and a 76-month term would be $403.05.

Based on an APR of 5.89%, your monthly payment on a $10,000 loan amount and a 60-month term would be $193.25. Based on an APR of 6.24%, your monthly payment on a $15,000 loan amount and a 61-month term would be $288.28. Based on an APR of 7.04%, your monthly payment on a $25,000 loan amount and a 76-month term would be $409.76.

Rates effective April 1, 2026.

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 6.99%, your monthly payment on a $10,000 loan amount and a 60-month term would be $198.55. Based on an APR of 7.24%, your monthly payment on a $20,000 loan amount and a 61-month term would be $394.07. Based on an APR of 7.49%, your monthly payment on a $60,000 loan amount and an 85-month term would be $914.64. Based on an APR of 7.99%, your monthly payment on a $75,000 loan amount and a 121-month term would be $907.69.

Based on an APR of 7.49%, your monthly payment on a $10,000 loan amount and a 60-month term would be $200.97. Based on an APR of 7.74%, your monthly payment on a $20,000 loan amount and a 61-month term would be $398.93. Based on an APR of 7.99%, your monthly payment on a $60,000 loan amount and an 85-month term would be $929.78. Based on an APR of 8.49%, your monthly payment on a $75,000 loan amount and a 121-month term would be $927.91.

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 August 15, 2026.

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.

Rates effective August 15, 2026.

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 September 18, 2026.

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 October 1, 2026.

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 12.60%, your monthly payment on a $10,000 loan amount and a 60-month term would be $226.57.

Amount available determined by credit worthiness and ability to repay. 

Rates effective January 1, 2026.

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.