Rates

Vehicle Loans

APR as low as

5.99%

PRODUCT APR
New Auto 2021-2024 
60 months or less
72 months
84 months
 
5.99%
6.49%
7.49%
Used Auto 2019-2024 
60 months or less
72 months
84 months
 
6.15%
6.85%
7.85%
Used Auto 2016-2018 
60 months or less
72 months
 
6.89%
7.15%
Used Auto 2015 & Older 
48 months or less
60 months
 
9.10%
9.35%
RV 2015-2024 
60 months or less
75 months
84 months
120 months
 
8.75%
9.75%
10.00%
11.00%
RV 2014 & older 
60 months or less
75 months
84 months
120 months
 
12.00%
12.25%
12.50%
13.00%
Secured Fixed  
60 months or less
 
11.75%
Apply Online

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

Recreational Vehicle (RV) loans include ATVs, boats, campers, motorcycles, motorhomes, and watercraft.

Secured Fixed loans require qualifying collateral, such as appliances, furniture, golf carts, horse trailers, lawn tractors, or personal computers.

Personal Loans

APR as low as

9.99%

PRODUCT APR
Holiday Loan
up to $5,000 for 12 months
9.99%
Line of Credit
variable rate
12.25%
Signature Loan
up to 60 months
13.00%
Short-Term 24-Month
up to $10,000 for 24 months
11.25%
30, 60, 90 Day Notes
variable rate
13.00%
Visa Platinum
no annual fee
13.90%
Apply Online

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

Home Equity Loans

APR as low as

6.750%

PRODUCT APR
5-Year HE Loan
7.50% fixed rate
7.698%
10-Year HE Loan
8.50% fixed rate
8.609%
15-Year HE Loan
9.50% fixed rate
9.827%
Shelterline 85 HELOC
up to 85% LTV
6.750%
Apply Online

Home Equity Loan
Credit subject to approval. Loan-to-Value (LTV) limit is 90%. Annual Percentage Rate (APR) shown is based on a loan amount of $50,000; your APR may differ based on loan amount and credit history.

Home Equity Line of Credit (HELOC)
Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

The maximum Annual Percentage Rate (APR) that may be imposed is 18.00%. Minimum $15,000 credit line. Loan-to-Value (LTV) limit is 85%. Interest paid may be eligible for tax deduction. Consult your tax advisor.

Interest-only minimum payments apply during the 10-year draw period. Then loan balance amortizes over a 15-year term.

There are no closing costs; however, if you close your loan within 36 months of the opening date, you may be required to reimburse the Credit Union for third-party charges. Reimbursement fees can range from $400–$1,000.

Additional Options
Additional mortgage products and terms available. Connect with the Mortgages department by calling 615-385-6898.

Mortgage Loans

APR as low as

Business Loans

APR as low as

7.00%

PRODUCT APY
Business-Use Vehicle 7.00%
Commercial Vehicle 9.00%
Equipment Loan 10.00%
Line of Credit 12.75%
Unsecured Term 12.75%
Visa Platinum 16.25%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ.

Certificates

APY as high as

4.25%


PRODUCT APY
5-Month Certificate
$10,000 or more new money
 
4.25%
3-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.50%
2.50%
2.50%
6-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
3.65%
3.65%
3.65%
12-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
3.90%
3.90%
3.90%
18-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
3.75%
3.75%
3.75%
24-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
3.50%
3.50%
3.50%
36-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.25%
2.25%
2.25%
48-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.25%
2.25%
2.25%

APY = Annual Percentage Yield. Rates subject to change.

Compound frequency based on certificate term: at maturity if less than 12 months; semiannually if 12 months or longer.

Early withdrawal penalty may apply and is based on certificate term. Penalty equal to 90 days of dividends if 12 months or less; 180 days of dividends if longer than 12 months; or expected dividends earned over term on promotional certificates.

IRA Certificates available at same terms and rates, except for promotional certificates. Not available for business accounts.

Money Market

APY as high as

2.50%

PRODUCT APY
Wealth Builder MMA
$1,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 or more
 
0.75%
0.85%
1.00%
1.25%
1.75%
2.50%

APY = Annual Percentage Yield. Rates subject to change. Money Market compounds monthly.

Savings

APY as high as

3.85%

PRODUCT APY
High Yield Savings
$25,000 or more
3.85%
Share Savings 0.10%
Special Savings 0.10%
Christmas Savings 0.10%
IRA Savings 0.10%

APY = Annual Percentage Yield. Rates subject to change. Share Savings, Special Savings, and Christmas Savings compound quarterly require a $50 average daily balance to earn dividends. IRA Savings compounds quarterly and requires a $100 average daily balance to earn dividends. High Yield Savings compounds monthly and earns dividends on days when the daily balance is at least $25,000.

Business Deposits

APY as high as

3.90%

PRODUCT APY
6-Month Certificate
$25,000 or more
3.65%
12-Month Certificate
$25,000 or more
3.90%
Money Market
$10,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 or more
 
0.75%
1.00%
1.50%
2.25%
Share Savings 0.10%

APY = Annual Percentage Yield. Rates subject to change. Average daily balance required to earn dividends is $50 for savings accounts. Savings accounts compound quarterly. Money Market accounts compound monthly.

Certificates compound at maturity. Early withdrawal penalty may apply. Penalty amount is 90 days dividends.

APY = Annual Percentage Yield. Rates effective as of today.