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, all branch lobbies are temporarily closed.
The Drive-Thrus are open at Nonconnah and Dexter branches in Memphis.

We encourage our members to access their accounts remotely by logging in online, using our mobile app , or by phone at  (800) 228-8513 or (901) 344-2500 within the Memphis area.

Call Center hours:
Mon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central