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Rates & Fees

Loan Rates

Loan Account Type Annual Percentage Rate**:
New Auto 2.00%
Used Auto 2.00%
Signature 7.00%
Share-Secured 3% over dividend rate earned on shares (variable)
VISA Platinum New FIXED RATE 11.50%
Motor Home New 2.00%
Motor Home Used 2.00%
Travel Trailer New 2.00%
Travel Trailer Used 2.00%
Airplane New 2.00%
Airplane Used 2.00%
Motorcycle New 2.00%
Motorcycle Used 2.00%
Boat New 2.00%
Boat Used 2.00%
Farm Equipment New 2.00%
Farm Equipment Used 2.00%
Share Term Certificate Secured 3% over dividend rate earned on certificate

 ** Loan rates vary - determined by each individual's credit history.

Real-Estate Loan Rates

Real-Estate Type Annual Percentage Rate**: All rates quoted subject to change at any time without notice.
Home Equity (LOC-15yrs) 80% 4.00% (variable)
Home Equity (LOC-15yrs) 90% 5.00% (variable)
1st Mortgage 15 year balloon (30 year term) 3.50% (fixed)
1st Mortgage 10 year balloon (30 year term) 3.50% (fixed)
1st Mortgage (15yrs) 3.50% (fixed)
** Loan rates vary - determined by each individual's credit history.  Certain fees and conditions may apply to the real-estate loan types. For complete details please call Mortgage Department at (901) 360-1818.

Share Account Rates                                     Effective: April 1, 2017

Share Accounts* Annual Percentage Yield All rates quoted subject to change at any time without notice.
Regular Share (Passbook) .10 - .30%
Special Share (Passbook) .10 - .30%
Christmas Club .10 - .30%
Money Market 0.30% APY
Accumulative IRA .10 - .30%
Share Draft/Checking*
*minimum daily balance requirement $1000 to obtain disclosed A.P.Y.
.20%

Share Term and IRA Term Certificate Rates  Effective: May 15, 2017

Term of Certificate Annual Percentage Rate Annual Percentage Yield 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.
6 Months .65% .65%
12 Months .85% .85%
24 Month 1.05% 1.05%
30 Months 1.15% 1.15%
42 Months 1.35% 1.36%

Fee Schedule Effective October 1, 2014

NSF Fee $20.00 All rates are subject to change without notice.
Returned Item $20.00
Stop Payment $20.00
ACH Overdraft $20.00
Card Replacement $20.00
Card Replacement Rush $20.00
Debit Card Over Draft $20.00
Returned Mail $5.00
Loan Late Fee $20.00
Visa Late Fee $20.00
Wire Transfer $20.00
Escheat  $20.00
Official Check $1.00
Non-Member Check Cashed $5.00
Business-Non Member Check Cashed $20.00
Christmas Club Withdrawal $1.00
Statement Fee $1.00
Print Out Fee $1.00
Research Fee (per hour) $20.00
Check Image Fee $2.00
Returned Loan Payment Fee $20.00
Rush Bill Pay (next day) Check $14.95
Rush Bill Pay (2 day) Check $9.95
Rush Bill Pay (2 day) Electronic $4.95
Dormant Account  $5.00
Early (excessive after 3 per year) IRA Withdrawal  $10.00