Rates

Vehicle Loans

APR as low as

6.45%

PRODUCT APR
New Auto 2021-2024 
up to 60 months
6.45%
Used Auto 2019-2024 
up to 60 months
6.75%
Used Auto 2016-2018 
up to 60 months
7.49%
Used Auto 2015 & Older 
up to 48 months
9.70%
RV 2015-2024 
up to 60 months
8.75%
RV 2014 & older 
up to 60 months
12.00%
Secured Fixed  
up to 60 months
11.75%
APPLY ONLINE

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

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

Personal Loans

APR as low as

11.25%

PRODUCT APR
Line of Credit
with overdraft protection
12.25%
Signature Loan
up to 60 months, fixed rate
13.00%
Short-Term 24-Month
up to $10,000, fixed rate
11.25%
30, 60, 90 Day Notes
$1,001 or more, fixed rate
13.00%
Visa Platinum
no annual fee
13.90%
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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

7.698%

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
8.500%
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)
Annual Percentage Rate (APR) may vary. The maximum 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

4.35%

PRODUCT APY
3-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
0.45%
0.50%
0.55%
6-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.75%
2.80%
2.85%
12-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
4.25%
4.30%
4.35%
18-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
4.00%
4.05%
4.10%
24-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
3.75%
3.80%
3.85%
36-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.50%
2.55%
2.60%
48-Month Certificate
$500 to $24,999
$25,000 to $49,999
$50,000 or more
 
2.50%
2.55%
2.60%

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

2.75%

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
 
1.00%
1.10%
1.25%
1.50%
2.00%
2.75%

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

Savings

APY as high as

0.10%

PRODUCT APY
Share Savings 0.10%
Special Savings 0.10%
Christmas Savings 0.10%
IRA Savings 0.10%

APY = Annual Percentage Yield. Rates subject to change. Average daily balance required to earn dividends is $100 for IRA Savings and $50 for other savings accounts. Savings accounts compound quarterly.

Business Deposits

APY as high as

4.30%

PRODUCT APY
6-Month Certificate
$25,000 or more
2.80%
12-Month Certificate
$25,000 or more
4.30%
Money Market
$10,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 or more
 
1.25%
1.50%
2.00%
2.75%
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.

Rates effective as of today.