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loans  ::  real estate  ::  share account  ::  certificates

Loan Rates

Rates as of 11/01/2015
We usually beat or match competitors’ rates!

Loan Account Type APR Starting at: APR
Up To:
New Auto 1.99% 16.49%
Used Auto 3.49% 16.49%
New Boats 1.99% 16.49%
Used Boats 2.49% 16.49%
New Farm Equipment 7.49% 18.00%
Used Farm Equipment 7.99% 18.00%
(up to 24 mo. term)
8.49% 17.75%
Signature 5.99% 18.00%
MasterCard 7.99% 16.99%
APR=Annual Percentage Rate

Real Estate Rates

Real Estate Type Note Rate
starting at:
First Mortgage (Short Term) 3.39%
First Mortgage (Long Term) 3.49%
Second Mortgage (Short Term) 4.39%
Second Mortgage (Long Term) 4.49%
Home Equity LOC (variable, prime+1%)
Unimproved Property (variable, prime+2%)
Certain fees and conditions may apply to the above real-estate loan types. Rate is locked in for 30 days when CU receives completed application. For complete details please call the loan department at (901) 521-4646, or (800) 462-7777.

Share Account Rates

Dividends paid for the 3rd quarter ending 09/30/2015.

Share Accounts* APY
Regular Shares 0.10% - 0.40%
Custom Shares 0.10% - 0.40%
Holiday Club 0.10% - 0.40%
Accumulation IRA 0.50%
Sharedraft/Checking No dividends paid on sharedraft accounts
APY=Annual Percentage Yield

*Dividend rates on regular shares, custom shares, and Club accounts are determined at the end of the quarter and are subject to change.

Share Certificate and
IRA Share Certificate Rates

Rates effective 11/25/2015 through 12/1/2015.

Term of Certificate Minimum Balance APY
6 Months $1,000.00 0.70%
12/18/24 Months $1,000.00 1.10%
30/36/42 Months $1,000.00 1.20%
60 Months $1,000.00 1.40%
For certificates purchased through 12/1/2015.

APY=Annual Percentage Yield

Penalty for Early Maturity of a Certificate:
Terms through 6 months: 30 days interest on amount withdrawn. Terms 12 months through 24 months: 90 days interest on amount withdrawn. Terms over 24 months: 180 days interest on amount withdrawn. There is no difference in the penalty for an IRA or REG share certificate. If the penalty is more than the accrued dividends, it will come from the principal of the certificate.

Also See...

All rates quoted are
subject to change at any
time without notice.

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