Loan Rates

Updated December 1, 2018

Auto Loan Rates

Used Auto
Model Years 2014 – 2016 APR* as low as
2.39% for 36 months or less
3.35% up to 48 months
3.50% up to 60 months
3.75% up to 72 months

Model Years 2011 – 2013 APR* as low as
2.89% for 36 months or less
3.99% up to 48 months
4.59% up to 60 months
4.99% up to 72 months

Model Years 2008 – 2010 APR* as low as
3.89% for 36 months or less
4.99% up to 48 months
5.99% up to 60 months
6.49% up to 72 months

New Auto 
APR* as low as
1.95% for 36 months or less
3.25% up to 48 months
3.35% up to 60 months
3.55% up to 72 months
4.69% 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
5.75% up to 48 months
5.99% up to 60 months
6.99% up to 72 months
7.99% up to 84 months

Used RV/Trailer
APR* as low as
6.25% up to 48 months
6.49% up to 60 months
7.10% 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

 

*Annual Percentage Rate (APR) is determined by your individual credit report. Members with good credit history will get the best rates available. Other members who have experienced some credit problems will be assigned rates consistent with their overall history. Rates may change as determined by the Board of Directors. Term on New and Used vehicles varies by amount financed. Various financing factors may also impact rate.

**General Home Equity Loan and Line of Credit Disclosures. Equity lines are available on owner-occupied single-family Tennessee residences. Credit Union Membership is required. All APRs quoted are accurate and subject to change without notice. A fee of $300 is charged at the time of loan closing. The fee may be waived with an initial advance of $10,000. Loans paid in full in the first twelve months will be subject to a termination fee. For loans with an original balance of $25,000 or less, the fee will be $100. Loans over $25,000 will be assessed a termination fee of $250. Other rate discounts not available. All loans subject to credit approval. Other factors will be disclosed in writing before you become obligated.