Current Rates and Terms

As a member-owned credit union, we share our profits with our members in the form of great interest rates on loans and deposits. Filter by product to compare current rates.

Checking Account Rates

Account	APY	Dividend Rate
Legacy Checking	.00%	.00%
Preferred Checking	.10%	.10%

Rates effective July 3, 2019
Legal Disclosures and Additional Information
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 January 1, 2019. 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.

Mortgage Rates

Program	RATE	APR
30 Year Fixed	3.750%	3.860%
VA 30 Year Fixed Rate	3.375%	3.636%
20 Year Fixed	3.500%	3.652%
15 Year Fixed	3.250%	3.445%
5/5 ARM 30 Year	3.125%	3.861%
7/1 ARM 30 Year	3.375%	4.863%
10/1 ARM 30 Year	3.500%	4.828%
5/1 Vacant Land	5.500%	5.671%
5/5 ARM First Time Homebuyer	4.125%	4.854%

Rates effective November 13, 2019
Legal Disclosures and Additional Information
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.

Auto Loan Rates

New Vehicle

Term	Minimum Loan Value	APR
Up To 60 Months	No Minimum	3.45% - 13.75%
61 - 72 Months	$20,000	3.65% - 13.89%
73 - 84 Months	$30,000	4.25% - 7.63%

Used Vehicle

Term	Minimum Loan Value	APR
Up To 60 Months	No Minimum	3.45% - 13.75%
61 - 72 Months	$20,000	3.65% - 13.89%
73 - 84 Months	$30,000	4.25% - 7.63%

Rates effective October 1, 2019
Legal Disclosures and Additional Information
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.

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

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

Based on an APR of 3.45%, your monthly payment on a $10,000 loan amount and a 60-month term would be $181.94. Based on an APR of 3.65%, your monthly payment on a $20,000 loan amount and a 61-month term would be $360.23. Based on an APR of 4.25%, your monthly payment on a $30,000 loan amount and a 73-month term would be $467.86.

Savings Account Rates

Account	APY	Dividend
Savings	.30%	.30%

Rates effective July 3, 2019
Legal Disclosures and Additional Information
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 January 1, 2019. 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.

Home Equity Loan Rates

Term	APR
36 Months	3.875% - 4.875%
60 Months	4.375% - 5.375%
84 Months	4.625% - 5.625%
120 Months	5.125% - 6.125%

Rates effective September 20, 2019
Legal Disclosures and Additional Information
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.

Home Equity Line of Credit Rates

Loan	APR
Home Equity Line of Credit	4.75% - 6.75% Variable

Rates effective October 31, 2019
Legal Disclosures and Additional Information
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.

Terms Available: 10-Year Draw Period

Signature Loan Rates

Loan	APR
Signature Loan	10.35% - 18.00%

Rates effective November 1, 2019
Legal Disclosures and Additional Information
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. You will be informed of the APR and daily periodic rate for which you qualify before you become contractually liable for the account.

Amount available determined by credit worthiness.

Based on an APR of 10.35%, your monthly payment on a $10,000 loan amount and a 60-month term would be $215.07.

Signature Line of Credit Rates

Loan	APR
Signature Line of Credit	10.35% - 18.00%

Rates effective November 1, 2019
Legal Disclosures and Additional Information
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. You will be informed of the APR and daily periodic rate 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.

Money Market Rates

Balance	APY	Dividend Rate
Under $2,500	.30%	.30%
$2,500 - $9,999.99	.85%	.85%
$10,000 - $99,999.99	1.11%	1.10%
$100,000 - $249,999.99	1.16%	1.15%
$250,000 - $499,999.99	1.26%	1.25%
$500,000 and Over	1.41%	1.40%

Rates effective November 1, 2019
Legal Disclosures and Additional Information
Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of November 1, 2019. 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.

Certificates Rates

Regular and/or IRA Share Certificate

Term	Minimum Deposit	APY
6 Months	$500	1.66%
12 Months	$500	2.02%
18 Months	$1,000	2.07%
24 Months	$1,000	2.07%
36 Months	$1,000	2.12%
48 Months	$1,000	2.17%
60 Months	$1,000	2.22%
Jumbo 6 Months	$100,000	Negotiable
Jumbo 12 Months	$100,000	Negotiable

IRA Accumulation Share Certificate

Term	Minimum Deposit	APY
12 Month IRA Variable	$5	1.06%

Member's Advantage Share Certificate

Term	Minimum Deposit	APY
15 Months	$1,000	2.02%

Rates effective November 13, 2019
Legal Disclosures and Additional Information
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. Our Truth-In-Savings Account Disclosure offers detailed information regarding the nature of these accounts.

Credit Card Rates

Card	APR
Visa Platinum Rewards	9.50% - 18.00%
Visa Platinum	9.50% - 18.00%
Student Visa	9.90%

Annual Percentage Rate (APR) for Purchases
Platinum Visa
9.50% to 18.00%
when you open your account, based on your creditworthiness.
Student Visa
9.90%
APR for Balance Transfers
Platinum Visa
9.50% to 18.00% when you open your account, based on your creditworthiness.
Student Visa
9.90%
APR for Cash Advances
Platinum Visa
9.50% to 18.00% when you open your account, based on your creditworthiness.
Student Visa
9.90%
Penalty APR and When it Applies
Platinum Visa
None
Student Visa
None
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Recreational Loan Rates

New Vehicle

TERM	MINIMUM LOAN VALUE	APR
UP TO 36 MONTHS	NO MINIMUM	5.49% - 14.89%
37 - 60 MONTHS	NO MINIMUM	6.25% - 15.65%
61 - 72 Months	$15,000	6.50% - 15.90%
73 - 84 Months	$20,000	6.50% - 15.90%

USED VEHICLE

TERM	MINIMUM LOAN VALUE	APR
UP TO 36 MONTHS	NO MINIMUM	5.99% - 15.39%
37 - 60 MONTHS	NO MINIMUM	6.75% - 16.15%
61 - 72 Months	$15,000	7.00% - 16.40%
73 - 84 Months	$20,000	7.00% - 16.40%

Rates effective July 3, 2019
Legal Disclosures and Additional Information
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.

Extended terms may be available at management’s discretion and will result in an increased rate and an increased minimum amount financed.

Based on an APR of 5.99%, your monthly payment on a $10,000 loan amount and a 36-month term would be $304.89. Based on an APR of 6.75%, your monthly payment on a $10,000 loan amount and a 37-month term would be $300.93. Based on an APR of 7.00%, your monthly payment on a $15,000 loan amount and a 61-month term would be $293.76. Based on an APR of 7.00%, your monthly payment on a $20,000 loan amount and a 73-month term would be $338.15.
For New Vehicles
Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors’ approval.

Considered new if refinanced from another institution within 12 months of original purchase date.

100% of the MSRP or 110% of the invoice price if MSRP is not available. Percentage is determined by credit worthiness.
For Used Vehicles
100% of NADA retail value. Percentage is determined by credit worthiness.

Youth Account Rates

ACCOUNT	APY	DIVIDEND RATE
Savings Account	.30%	.30%
Legacy Checking	.00%	.00%
Preferred Checking	.10%	.10%

Rates effective July 3, 2019
Legal Disclosures and Additional Information
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 January 1, 2019. 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.

Christmas Club Rates

Account	APY	Dividend Rate
Christmas Club	.30%	.30%

Rates effective July 3, 2019
Legal Disclosures and Additional Information
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 January 1, 2019. 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.

Health Savings Account Rates

Balance	APY	Dividend Rate
Under $1,000	.00%	.00%
$1,000 - $4,999	.30%	.30%
$5,000 - $9999	1.05%	1.05%
$10,000 - $24,999	1.31%	1.30%
$25,000 and Over	1.81%	1.80%

Business Money Market Rates

Balance	APY	Dividend Rate
Under $2500	.30%	.30%
$2,500 - $9,999.99	.85%	.85%
$10,000 - $99,999.99	1.11%	1.10%
$100,000 - $249,999.99	1.16%	1.15%
$250,000 - $499,999.99	1.26%	1.25%
$500,000 AND OVER	1.41%	1.40%

Business Certificates Rates

Regular Share Certificate

Term	Minimum Deposit	APY
12 Months	$5,000	2.12%
24 Months	$5,000	2.17%
60 Months	$5,000	2.32%
Jumbo 12 Months	$100,000	2.17%
Jumbo 24 Months	$100,000	2.22%
Jumbo 60 Months	$100,000	2.38%

Rates effective November 13, 2019
Legal Disclosures and Additional Information
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. Our Truth-In-Savings Account Disclosure offers detailed information regarding the nature of these accounts.

Business Savings Rates

Account	APY	Dividend
Business Savings	0.30%	0.30%

Business Checking Rates

Account	APY	Dividend
Business Free Checking	0.0%	0.0%
Business Basic Checking	0.10%	0.10%

Current Rates and Terms

Checking Account Rates

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Mortgage Rates

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Auto Loan Rates

New Vehicle

Used Vehicle

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Savings Account Rates

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Home Equity Loan Rates

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Home Equity Line of Credit Rates

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Signature Loan Rates

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Signature Line of Credit Rates

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Money Market Rates

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Certificates Rates

Regular and/or IRA Share Certificate

IRA Accumulation Share Certificate

Member's Advantage Share Certificate

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Credit Card Rates

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Recreational Loan Rates

New Vehicle

USED VEHICLE

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Youth Account Rates

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Christmas Club Rates

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Health Savings Account Rates

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Business Money Market Rates

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Business Certificates Rates

Regular Share Certificate

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Business Savings Rates

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Business Checking Rates

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