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Current Rates

Current Rates


Account, Certificate and IRA rates

Consumer Loan Rates
Home Equity Rates
Mortgage Rates

Deposit Accounts

Effective July 1, 2014
AccountDividend RateAPY
Share0.20%0.20%
Legacy Share Draft0.00%0.00%
Preferred Share Draft0.10%0.10%
Christmas Club0.00%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 July 1, 2014 . 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 July 1, 2014
TierDividend RateAPY
Balance $500,000 & over0.60%0.60%
Balance $300,000 - $499,999.990.50%0.50%
Balance $150,000 - $299,999.990.40%0.40%
Balance $2,500 - $149,999.990.30%0.30%
Balance under $2,5000.00%0.00%

Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of July 1, 2014 . 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 July 16, 2014
Certificate TermMinimum DepositAPY
3 Months$1,0000.35%
6 Months$1,0000.40%
12 Months$1,0000.50%
12 Months$25,0000.50%
12 Months$50,0000.50%
18 Months$1,0000.70%
24 Months$1,0000.75%
30 Months$1,0000.80%
36 Months$1,0001.00%
60 Months$1,0001.46%
Jumbo$100,000Negotiable rate and term
Jumbo$100,000Negotiable rate and term

Member's Advantage Share Certificate Account

Effective July 16, 2014
Certificate TermMinimum DepositAPY
15 Month$5,0000.65%

Basic Certificate Account

Effective July 16, 2014
Certificate TermMinimum DepositAPY
6 Months$5000.40%

Home Savings Certificate Account

Effective July 16, 2014
Certificate TermMinimum DepositAPY
36 Month Variable$500.70%

Special Savings Certificate Account

Effective July 16, 2014
Certificate TermMinimum DepositAPY
12 Month Variable$500.45%

Individual Retirement Share Certificate Accounts

Effective July 16, 2014
Certificate TermMinimum DepositAPY
3 Months$1,0000.35%
6 Months$1,0000.40%
12 Months$1,0000.50%
12 Months$25,0000.50%
12 Months$50,0000.50%
18 Months$1,0000.70%
30 Months$1,0000.80%
12 Months Variable$50.95%
Jumbo$100,000Negotiable 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 July 1, 2014

Type of LoanCurrent RateTerms AvailableMaximum Amount Financed (Purchase)Maximum Amount Financed (Refinance)Other Information
Easy Equity Loan4.00% - 5.00%* fixed36 monthsN/ASee Product Description for detailsPrimary residence in state of Tennessee.
5.00% - 6.00%* fixed60 months
6.00% - 7.00%* fixed84 months
7.00% - 8.00%* fixed120 months
Equity Express Line of Credit4.00% - 5.00%* Variable10 Year Draw PeriodN/ASee 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.

 

 

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