Rates

RATE SCHEDULE

 

SAVINGS

Share Savings

BalanceAnnual Percentage Yield
$500 - $999.990.01%
$1,000 - $2,999.990.03%
$3,000.00 and up0.05%

Share Certificates

TermAnnual Percentage Yield
Under $50,000.00
(Dividends Paid at Maturity)
6 months0.60%
12 months0.70%
24 months0.80%
36 months0.90%
48 months1.00%
60 months1.10%
$50,000.00 & up
(Dividends Paid Monthly)
6 months0.70%
12 months0.80%
24 months0.90%
36 months1.00%
48 months1.10%
60 months1.20%

Youth Share Certificates

TermAnnual Percentage Yield
Under $10,00012 Months.70% + Youth Bonus

IRAs

Minimum BalanceAnnual Percentage Yield
Traditional$50.50%
Roth$50.50%

Coverdell ESA

  Annual Percentage Yield
0.50%

Club Accounts

  Annual Percentage Yield
0.05%

CHECKING

 BalanceAnnual Percentage Yield
Basic Checking0.03%
Extras Checking0.03%
Money MarketBalanceAnnual Percentage Yield
$5,000 - $9,999.990.10%
$10,000 - $24,999.990.10%
$25,000 - $49,999.990.20%
$50,000 - $99,999.990.25%
$100,000 or more0.50%

LOANS

Auto Loans

NEW Auto Loan Rates
TermRates as low as:
Up to 36 months1.99% APR
37 - 60 months2.49% APR
61 - 72 months2.99% APR
73 - 84 months3.49% APR
USED Auto Loan Rates
TermRates as low as:
Up to 36 months2.99% APR
37 - 60 months3.49% APR
61 - 72 months4.49% APR
73 - 84 months5.49% APR

Credit Cards

TypeAPR
VISA® Classic8.90% - 18.00%
VISA® Classic Secured6.50%
Premier VISA®Based on Prime as low as 8.25% APR

Personal Loans

  TypeAPR
Line of Credit7.99% and up
Signature Loan7.99% and up
12-12-12 Specialty Loan12.00%
Freedom Loan18.00%

Home Equity Line of Credit

TermAPR
Up to 15 years(Prime + 0%) - (Prime +1%)

Home Equity Loans

TermAPR
Up to 15 years 3.25% - 5.25%

RV/Plane/Boat/Motorcycle Loans

TermRates as low as:
24 - 60 months 7.29% APR
61 - 72 months8.29% APR
73 - 84 months9.29% APR

Land Loans

TermAPR
10 years7.25%
For information on 1st Mortgage Rates, please click here.

Lot Loans

TermAPR
2 years (Prime) - (Prime + 2%)
5 years(Prime + 1%) - (Prime + 3%)

 

*For additional information, please visit our disclaimer page.

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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