March 31st, 2020

Rates

Exclusive rates for our members.

We are proud to offer some of the most competitive rates available — another reason why we are Focused On You.

Like what you see? Apply now.

VEHICLE LOANS
APR as low as
1.99%
PRODUCT APR
New Auto – 2018-2020
up to 60 months
1.99%
Used Auto – 2015-2020
up to 60 months
2.25%
Used Auto – 2012-2014
up to 60 months
2.95%
Used Auto – 2009-2011
up to 48 months
3.45%
Used Auto – 2008 & older
up to 36 months
4.75%
RV – 2012-2020
up to 60 months
4.75%
RV – 2011 & older
up to 75 months
7.75%
Secured Variable
up to 60 months
6.50%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ. The maximum rate allowed is 18.00% APR.

Longer terms available for qualified borrowers. Minimum loan amount and model year restrictions may apply.

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

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

PERSONAL LOANS
APR as low as
4.99%
PRODUCT APR
COVID-19 Assistance
up to $2,500, fixed rate, 30 mos.
4.99%
Debt Consolidation
up to 60 months
7.40%
Line of Credit
with overdraft protection
9.50%
Signature Variable
up to 60 months
9.75%
Short-Term 12-Month
up to $5,000, fixed rate
8.25%
Short-Term 24-Month
up to $10,000, fixed rate
10.25%
Short-Term Variable
30, 60, or 90 days
8.25%
Visa Platinum
no balance transfer fee
10.15%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ. The maximum rate allowed is 18.00% APR.

HOME EQUITY LOANS
APR as low as
4.00%
PRODUCT APR
5-Year Home Equity Loan
no points, fixed rate
6.15%
7-Year Home Equity Loan
no points, fixed rate
6.09%
10-Year Home Equity Loan
no points, fixed rate
6.11%
Shelterline HELOC
no closing costs
4.00%
Shelterline Plus HELOC
no closing costs
6.75%

Credit subject to approval. Rates subject to change and based on credit history, so your rate may differ. The maximum rate allowed is 18.00% APR.

Home Equity Line of Credit (HELOC) requires $15,000 minimum credit line.

Loan-to-Value (LTV) limit is 80% for Shelterline HELOC and 85% for Home Equity Loans and Shelterline Plus HELOC.

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

CERTIFICATES
APY as high as
1.41%
PRODUCT APY
3-Month Certificate
$500 – $24,999
0.25%
6-Month Certificate
$500 – $24,999
0.40%
12-Month Certificate
$500 – $24,999
1.00%
18-Month Certificate
$500 – $24,999
1.10%
24-Month Certificate
$500 – $24,999
1.20%
36-Month Certificate
$500 – $24,999
1.26%
48-Month Certificate
$500 – $24,999
1.31%

APY = Annual Percentage Yield. Rates subject to change. Add 0.05% for Jumbo $25,000-$49,999 and 0.10% for Super Jumbo $50,000+.

Compound frequency based on certificate term: at maturity if less than 12 months; semiannually if 12 months or longer. Early withdrawal penalty may apply. Penalty amount based on certificate term: 90 days dividends if 12 months or less; 180 days dividends if longer than 12 months.

IRA Certificates available at same terms and rates. Not available for business accounts.

MONEY MARKET
APY as high as
0.75%
PRODUCT APY
Money Market
$1,000 – $9,999
0.20%
Money Market
$10,000 – $24,999
0.25%
Money Market
$25,000 – $49,999
0.30%
Money Market
$50,000 – $99,999
0.40%
Money Market
$100,000 – $249,999
0.55%
Money Market
$250,000 & higher
0.75%

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

SAVINGS
APY as high as
0.20%
PRODUCT APY
Share Savings
$50 ADB to earn
0.20%
Special Savings
$50 ADB to earn
0.20%
Christmas Savings
$50 ADB to earn
0.20%
Adventure Savings
$50 ADB to earn
0.20%
IRA Growth
$100 ADB to earn
0.20%

APY = Annual Percentage Yield. Rates subject to change. Savings accounts compound quarterly.

ADB = Average Daily Balance. Minimum ADB required to earn dividends.

BUSINESS DEPOSITS
APY as high as
1.05%
PRODUCT APY
Savings
$50 ADB to earn
0.20%
Money Market
$10,000 – $49,999
0.30%
Money Market
$50,000 – $99,999
0.40%
Money Market
$100,000 – $249,999
0.55%
Money Market
$250,000 & higher
0.75%
6-Month Certificate
$25,000 minimum
0.45%
12-Month Certificate
$25,000 minimum
1.05%
Business Select Checking
$25,000 minimum
0.13%

APY = Annual Percentage Yield. Rates subject to change.

ADB = Average Daily Balance. Minimum ADB required to earn dividends.

Business Select Checking APY is a credit toward checking account fees on account balances of $25,000 and higher.


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