Current Rates

Money Market Accounts

Effective July 1, 2015
TierDividend RateAnnual Percentage Yield (APY)
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, 2015 . 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.

Deposit Accounts

Effective July 1, 2015
AccountDividend RateAnnual Percentage Yield (APY)
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, 2015 . 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.

Health Savings Account

Effective September 1, 2014
BalanceDividend RateAnnual Percentage Yield (APY)
Balance $25,000 & over1.70%1.71%
Balance $10,000 - $24,9991.20%1.21%
Balance $5,000 - $9,9990.95%0.95%
Balance $1,000 - $4,9990.20%0.20%
Balance under $1,0000.00%0.00%

IRS Regulations will apply.
Dividend rates are calculated using the daily balance method. Dividends are compounded monthly. Dividends are credited monthly. The dividend period is based on the calendar month. 

Home Equity Rates

Effective July 1, 2015
Type of LoanCurrent RateTerms AvailableMaximum Amount Financed (Purchased)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 detailsPrimary 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 800-342-3086, extension 1300.

Share Certificate Accounts

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
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

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.

Member's Advantage Share Certificate Account

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
15 Month$5,0000.65%

Basic Certificate Account

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
6 Months$5000.40%

Home Savings Certificate Account

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
36 Month Variable$500.70%

Special Savings Certificate Account

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
12 Month Variable$500.45%

Individual Retirement Share Certificate Accounts

Effective July 22, 2015
Certificate TermMinimum DepositAnnual Percentage Yield (APY)
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. If you have any comments or requests, please email or call 800-342-3086.