Dividend Rates + Loan Rates

by | Nov 29, 2017

Dividend Rates

Effective March 29, 2021

Account Type | Dividend Rate* | APY**
Regular Shares | 0.05% | 0.05%
Special Shares | 0.05% | 0.05%
Free Checking | 0.00% | 0.00%
Student Checking | 0.00% | 0.00%
Interest Rewards Checking
– up to $5,000 earns 2.95% | 2.99%
– over $5,000  earns 0.25% | 0.25%

Money Market Balance | Interest Rate* | APY**
$2,500 – $9,999.99 | 0.10% | 0.10%
$10,000 – $24,999.99 | 0.10% | 0.10%
$25,000 – $49,999.99 | 0.15% | 0.15%
$50,000 – $99,999.99 | 0.20% | 0.20%
$100,000 – $249,999.99 | 0.25% | 0.25%
$250,000 or more | 0.30% | 0.30%

Share Certificates Term | Interest Rate* | APY**
3 months | 0.10% | 0.10%
6 months | 0.15% | 0.15%
12 months | 0.25% | 0.25%
18 months | 0.30% | 0.30%
24 months | 0.35% | 0.35%
36 months | 0.45% | 0.45%
48 months | 0.60% | 0.60%
60 months | 0.75% | 0.75%
Bonus over $100,000 | 0.10% | 0.10%
Bonus for New Money | 0.05% | 0.05%

Christmas Club earns 0.20% | 0.20% APY**

 

IRA Certificates
Term |
 APR  | APY
24 months | 0.35%  | 0.35% APY
36 months | 0.45%  | 0.45% APY

IRA Shares (Traditional, Education and Roth) | Interest Rate  | APY
[Term] |  .09%  |  .09%

*  Annual Interest Rate
**Annual Percentage Yield

Loan Rates

Updated February 26, 2021

Auto Loan Rates

Used Auto 
Model Years 2018 – 2020 APR*
as low as
1.99% for 36 months or less
2.25% up to 48 months
2.45% up to 60 months
2.75% up to 72 months
3.99% for 84 months
Model Years 2014 – 2017 APR*
as low as
1.99% for 36 months or less
2.25% up to 48 months
2.99% up to 60 months
3.25% up to 72 months
4.25% up to 84 months
Model Years 2011 – 2013 APR*
as low as
2.99% for 36 months or less
3.75% up to 48 months
4.25% up to 60 months
4.99% up to 72 months

New Auto  APR*
as low as
1.99% for 36 months or less
1.99% up to 48 months
1.99% up to 60 months
2.50% up to 72 months
3.75% up to 84 months
Term for new and used autos varies by amount financed.

Other Vehicles

Motorcycle/ATV
APR* as low as
6.49% for up to 48 months
7.49% for over 48 months

New RV/Trailer
APR* as low as
4.50% up to 48 months
4.75% up to 60 months
6.25% up to 72 months
6.50% up to 84 months

Used RV/Trailer
APR* as low as
4.75% up to 48 months
4.99% up to 60 months
6.99% up to 72 months
7.49% up to 84 months

Boats/Watercraft

New Boats/Watercraft

APR* as low as

5.99% up to 36 months
6.99% for 37 – 72 months
7.75% for 73 – 96 months
6.75% for 97 – 120 months
(10% down)
6.89% for 120 – 180 months
(20% down)

Used Boats/Watercraft

APR* as low as

6.19% up to 36 months
7.25% for 37 – 72 months
8.19% for 73 – 96 months
6.89% for 97 – 120 months
(10% down)
6.99% for 120 – 180 months
(20% down)

Other Loans

Home Equity
5.75% up to 60 months
6.25% up to 120 months
6.875% up to 180 months

Home Equity Line of Credit
5.00% variable rate

Signature
APR* as low as

8.99% up to 60 months

Share-Secured
2.00% above deposit rate

Personal Loan Calculator


%

Years

Minimum Balance Requirements for Regular Share Certificates and IRA Certificates
Certificates require a minimum balance of $1,000. The dividend rate is guaranteed for the term of the certificate. Penalties will be charged for early withdrawals. There is no penalty for minimum required distributions on IRA Certificates withdrawn at age 70½ or older. The annual percentage yield (APY) is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Variable Dividend Rates
Rates on Share Accounts, Money Market Accounts, and Christmas Club Accounts are variable. The dividend rate(s) and APY may change, and we reserve the right to change the rate(s) at our discretion. Any fees charged to the account may reduce earnings.

Important Things to Know About Interest Rates

For updated rate information, call (615) 687-4801 during regular business hours. Rates are subject to change.
Member NCUA. National Credit Union Administration, a U.S. Government Agency.
Your savings federally insured to $250,000 and backed by the full faith and credit of the United States Government.

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