Rates

We have a low minimum deposit on all our CDs and IRAs. Competitive rates on all of our Loans. Tiered Interest paid on all Shares.

Please check our rates below to compare. Apply for a loan here!

Account Type	Min. Balance	APR*
Regular Share Savings ⁴	$5 minimum	.05 - .15%
Special Share Savings ⁴	No minimum	.05 - .15%
Christmas Club ⁴	No minimum	.05 - .15%
Money Market	$1,000	0.20% APY
Accumulative IRA	No minimum	0.25% APY
Share Draft/Checking	No minimum	.05%
Certificates - Share Term and IRA	APR	APY³
6 Months - Minimum deposit $1000	0.30%	0.30%
12 Months - Minimum deposit $1000	0.35%	0.35%
24 Months - Minimum deposit $1000	0.45%	0.45%
30 Months - Minimum deposit $1000	0.50%	0.50%
36 Months -Minimum deposit $1000	0.55%	0.55%
42 Months - Minimum deposit $1000	0.60%	0.60%

Loan rates vary - determined by each individual's credit worthiness.
Loan rates vary - determined by each individual's credit worthiness. Certain fees and conditions may apply to the real-estate loan types. For complete details please call Mortgage Department at (901) 321-1200.
APY = Annual Percentage Yield. Rates are Effective March 30, 2021. Rates are subject to change without notice. Ask for complete details.
Minimum balance requirements
.01 - 999.99 ------ .05%
1000.00 - 4999.99 ------- .08%
5000.00 - 24,999.99 ------- .10%
25,000.00 + ------.15%
Penalty for Early Maturity of Certificate: 60 days penalty for early withdrawal of certificate. There is no difference in the penalty for an IRA or Regular Share Certificate. The penalty could be more than the accrued dividends and therefore come from the principle of the certificate.

Loan Type	APR¹
New Auto	1.99%
Used Auto	1.99%
Signature Debt Consolidation Loan	7.00% 7.00%
Share-Secured	2% over dividend rate earned on shares (variable)
Mastercard® Platinum Rewards Credit Card	7.9% - 16.9% determined by credit worthiness
Motor Home NEW	3.29%
Motor Home USED	3.29%
Travel Trailer NEW	3.29%
Travel Trailer USED	3.29%
Airplane New	4.29%
Airplane Used	4.29%
Motorcycle NEW	2.79%
Motorcycle USED	2.79%
Boat NEW	3.29%
Boat USED	3.29%
Farm Equipment	Call credit union for rates
Share Term Certificate Secured	2.00% Over dividend rate earned on certificate
Real Estate Loans	APR²
Home Equity (LOC-15yrs) 80%	4.00%
Home Equity (LOC-15yrs) 90%	5.00%
1st Mortgage 15 year balloon (30 year term)	2.500%
1st Mortgage 10 year balloon (30 year term)	2.250%
1st Mortgage (15yrs)	2.500%

Loan rates vary - determined by each individual's credit worthiness and term of loan.
Loan rates vary - determined by each individual's credit worthiness. Certain fees and conditions may apply to the real-estate loan types. For complete details please call Mortgage Department at (901) 360-1818.
APY = Annual Percentage Yield. Rates are Effective July 19, 2021. Rates are subject to change without notice. Ask for complete details.
Minimum balance requirements
.01 - 999.99 ------ .05%
1000.00 - 4999.99 ------- .08%
5000.00 - 24,999.99 ------- .10%
25,000.00 + ------.15%
Penalty for Early Maturity of Certificate: 60 days penalty for early withdrawal of certificate. There is no difference in the penalty for an IRA or Regular Share Certificate. The penalty could be more than the accrued dividends and therefore come from the principle of the certificate.

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