Current Rates
Account, Certificate and IRA rates
Consumer Loan Rates
Home Equity Rates
Mortgage Rates
Deposit Accounts
Effective
May 1, 2013
|
| Share | 0.25% | 0.25% |
| Legacy Share Draft | 0.00% | 0.00% |
| Preferred Share Draft | 0.10% | 0.10% |
| Christmas Club | 0.00% | 0.00% |
Share, Legacy Share Draft, Preferred Share Draft, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of
May 1, 2013
. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a Share account is $5.00. The minimum opening deposit on a Share Draft account is $20.00 unless payroll deductions or direct deposits are established. Fees and other conditions could reduce earnings.
Money Market Accounts
Effective
May 1, 2013
|
| Balance $500,000 & over | 0.65% | 0.65% |
| Balance $300,000 - $499,999.99 | 0.55% | 0.55% |
| Balance $150,000 - $299,999.99 | 0.45% | 0.45% |
| Balance $2,500 - $149,999.99 | 0.35% | 0.35% |
| Balance under $2,500 | 0.00% | 0.00% |
Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of
May 1, 2013
. 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.
Share Certificate Accounts
Effective May 22, 2013
|
| 3 Months | $1,000 | 0.35% |
| 6 Months | $1,000 | 0.40% |
| 12 Months | $1,000 | 0.50% |
| 12 Months | $25,000 | 0.50% |
| 12 Months | $50,000 | 0.50% |
| 18 Months | $1,000 | 0.70% |
| 24 Months | $1,000 | 0.75% |
| 30 Months | $1,000 | 0.80% |
| 36 Months | $1,000 | 1.00% |
| 60 Months | $1,000 | 1.46% |
| Jumbo | $100,000 | Negotiable rate and term |
| Jumbo | $100,000 | Negotiable rate and term |
Member's Advantage Share Certificate Account
Effective May 22, 2013
Basic Certificate Account
Effective May 22, 2013
Home Savings Certificate Account
Effective May 22, 2013
|
| 36 Month Variable | $50 | 0.75% |
Special Savings Certificate Account
Effective May 22, 2013
|
| 12 Month Variable | $50 | 0.50% |
Individual Retirement Share Certificate Accounts
Effective May 22, 2013
|
| 3 Months | $1,000 | 0.35% |
| 6 Months | $1,000 | 0.40% |
| 12 Months | $1,000 | 0.50% |
| 12 Months | $25,000 | 0.50% |
| 12 Months | $50,000 | 0.50% |
| 18 Months | $1,000 | 0.70% |
| 30 Months | $1,000 | 0.80% |
| 12 Months Variable | $5 | 1.00% |
| Jumbo | $100,000 | Negotiable rate and term |
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. "APY" stands for Annual Percentage Yield.
If you have any comments or requests, please contact us at 1-800-342-3086 or 1-931-455-5441 or through email.
Home Equity Rates
Rates Subject to Change Daily
Effective May 1, 2013
|
| Easy Equity Loan | 5.99% - 6.74%* fixed | 36 months | N/A | See Product Description for details | Primary residence in state of Tennessee. |
| 6.99% - 7.74%* fixed | 60 months | | | |
| 7.99% - 8.74%* fixed | 84 months | | | |
| 8.99% - 9.74%* fixed | 120 months | | | |
| Equity Express Line of Credit | 4.00% - 4.75%* Variable | 10 Year Draw Period | N/A | See Product Description for details. | Primary residence in state of Tennessee. |
*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 Product Descriptions or contact your credit union at 1-800-342-3086, extension 1300.
