Disclaimer Summary


Loan Products

  • APR = Annual Percentage Rate
  • Loan rates are based on terms and credit score.
  • All interest rates are subject to change at any time.
  • Additional restrictions may apply. Please give us a call for more information at 1-800-228-8513.


Auto Loans

  • Rates are determined by vehicle value; based on NADA Clean Trade-In Value or NADA Clean Retail Value.
  • 100% financing does not apply to Credit Restoration Auto Loans
  • 72 month auto loan financing requires a minimum loan amount of $25,000.
  • 84 month auto loan financing requires a minimum loan amount of $30,000.
  • Vehicles over 10yrs/100k miles are not eligible for financing.
  • FedEx Employees Credit Association must be listed as lienholder on title paperwork.
  • Motorcycle/recreational vehicle loans may require a 10% down payment.  Ask your loan officer for details. Used motorcycle rates will be 1.00% higher than new motorcycle rates.


Home Equity

  • Home equity products are unavailable in Texas, Puerto Rico, and areas determined to be in a flood zone.
  • Home Equity Line of Credit availability is limited to the draw period allowed for this loan type.
  • Additional closing costs may apply for full appraisals, title resolution, tax stamps, etc.
  • Please contact our mortgage department for additional requirements on land and lot loans.


  • Dividend rates may change at any time and depend on account type.
  • Annual Percentage Yields based on daily average balance.
  • Member must establish $25.00 par value in a primary savings account to be eligible for services.
  • Money Market account opening balance requirement is $5,000.00. To receive dividends, a balance of $5,000.00 must be maintained. $2,500.00 minimum daily balance required to avoid maintenance fee.


Share Certificates

  • Minimum share certificate amount is $500.00.
  • Penalties may be imposed for early withdrawal.
  • Dividends will be credited to your share account upon maturity. Dividends will not be compounded.
  • Youth Bonus = add your age at account opening in basis points to the dividend rate! (example, if you are 11 years old and the rate is .35%, then .35+.11=.46%) Available to members under 22 years old.



  • For mobile access, you must be enrolled in our online services. Cell phone carrier charges may apply.
  • Cash limits and check holds may apply at shared branch locations.
  • A checking account is required to obtain a VISA® ExpressCheck debit card.
  • Some restrictions apply to medical exam waiver for Term Life Insurance.
  • Members must apply for $2,000 free AD&D insurance coverage during enrollment periods. Additional coverage is available for a premium.



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Find our branches & ATMs

For the safety of our members, certain branch lobbies are temporarily closed or have limited access.
Currently Collierville, Hacks Cross, Harrison, & Pittsburgh Branches are CLOSED.

Three branches are open but are available by appointment only:

Due to closed branches, our call-center is experiencing a high call volume.
To avoid longer than usual wait times, we encourage members to access their accounts remotely by logging in online or by using our mobile app.

Call Center Information:
(800) 228-8513 or (901) 344-2500 within the Memphis area Mon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central