Rates | Deposit & Loan Rates | Chattanooga, TN

Savings Rates

  
    Share (Savings) Rates
    
      Rates current as of 
    
      Minimum Balance 
      APY1
    
      Savings
      $25.00
      0.50%²
    
      Holiday Club Account
      $5.00
      0.50%²
    
        Premium Savings 

        ($10,000 - $49,999.99)
      
      $10,000.00
      2.25%²
    
        Premium Savings 

        ($50,000 and over)
      
      $50,000.00
      2.50%²
    
      Money Market Account 

      ($2,500 and over)
      $2,500.00
      2.00%
    
      Premium Money Market Account 

      ($10,000 and over)
      $10,000.00
      2.25%

Share (Savings) Rates
Rates current as of
	Minimum Balance	APY¹
Savings	$25.00	0.50%²
Holiday Club Account	$5.00	0.50%²
Premium Savings ($10,000 - $49,999.99)	$10,000.00	2.25%²
Premium Savings ($50,000 and over)	$50,000.00	2.50%²
Money Market Account ($2,500 and over)	$2,500.00	2.00%
Premium Money Market Account ($10,000 and over)	$10,000.00	2.25%

Rates are subject to change at any time without prior notice.

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

²Anticipated dividend rate. Dividends paid quarterly as declared by the board of directors.

  
    Share Certificate & IRA Certificate Rates
    
      Rates current as of 
    
      Minimum Opening Deposit 
      APY¹
    
      6-Month Share Certificate
      $500.00
      4.40%
    
      12-Month Share Certificate
      $500.00
      4.15%
    
      18-Month Share Certificate
      $500.00
      3.95%
    
      24-Month Share Certificate
      $500.00
      3.75%
    
      36-Month Share Certificate
      $500.00
      3.75%

Share Certificate & IRA Certificate Rates
Rates current as of
	Minimum Opening Deposit	APY¹
6-Month Share Certificate	$500.00	4.40%
12-Month Share Certificate	$500.00	4.15%
18-Month Share Certificate	$500.00	3.95%
24-Month Share Certificate	$500.00	3.75%
36-Month Share Certificate	$500.00	3.75%

Rates are subject to change at any time without prior notice.

Restrictions may apply to Share Certificate Specials

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

  Checking Rates
      Rates current as of 
    
      Minimum Balance
      APY1
    
      No Frills Checking
      $25.00
      0.00%
    
      Plus Checking
      $750.00
      0.10%
    
      Golden Years
      $100.00
      0.30%

Checking Rates

Rates current as of
	Minimum Balance	APY¹
No Frills Checking	$25.00	0.00%
Plus Checking	$750.00	0.10%
Golden Years	$100.00	0.30%

Rates are subject to change at any time without prior notice

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

Loan Rates

  
    Mortgage Rates
    
      Rates current as of 
    

   
      
      Term
      APR*
      Origination Fee
      Max LTV
    

   
      Balloon Mortgages
      7 Years
      As low as 6.99%
      1.0%
      95%
    
 
      Balloon Mortgages
      10 Years
      As low as 7.24%
      1.0%
      95%
    
 
      15 year Conventional, FHA, VA, USDA
      15 Years
      Call for rates
      Call for fees
      97%
    
 
  
 
      30 year Conventional, FHA VA, USDA
      30 Years
      Call for rates
      Call for fees
      97%
    

      Fixed Rate Home Equity Loan
      5 Years
      As low as 7.365%
      1.0%
      95%
    

      Fixed Rate Home Equity Loan
      10 Years
      AS low as 7.490%
      1.0%
      95%
    

Mortgage Rates
Rates current as of
	Term	APR*	Origination Fee	Max LTV
Balloon Mortgages	7 Years	As low as 6.99%	1.0%	95%
Balloon Mortgages	10 Years	As low as 7.24%	1.0%	95%
15 year Conventional, FHA, VA, USDA	15 Years	Call for rates	Call for fees	97%
30 year Conventional, FHA VA, USDA	30 Years	Call for rates	Call for fees	97%
Fixed Rate Home Equity Loan	5 Years	As low as 7.365%	1.0%	95%
Fixed Rate Home Equity Loan	10 Years	AS low as 7.490%	1.0%	95%

Balloon Mortgages: Payments based on a 30 year amortization. Final balloon payment equals the remaining balance of the loan.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

  
    HELOC Rates
    
      Rates current as of 
    
      Term
      APR*
      Origination Fee
      Max LTV
    
      Home Equity Line of Credit
      20 Years (5 Year Draw Period, 15 Year Repayment Period)
      Variable based upon Prime Rate and member credit score
      Waived
      95%

HELOC Rates
Rates current as of
	Term	APR*	Origination Fee	Max LTV
Home Equity Line of Credit	20 Years (5 Year Draw Period, 15 Year Repayment Period)	Variable based upon Prime Rate and member credit score	Waived	95%

HELOC Introductory Rate - 12 months - 6.99%

After 12-months, rate changes to a Prime Rate index based upon member’s credit score
Rates are subject to change at anytime without prior notice.
Other rates, terms and conditions may apply.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

Current prime as of is 8.00% APR*

  
    Vehicle Loan Rates
    
      Rates current as of 
    
      APR* 48 Months
      APR* 63 Months
      APR* 75 Months
      APR* 84 Months
    
      New Automobiles (up to 25,000 miles)
      As low as 5.99%
      As low as 6.19%
      As low as 6.49%
      As low as 7.89%
    
      Used Automobiles (25,001 - 100,000 miles
      As low as 6.99%
      As low as 7.19%
      As low as 7.69%
      As low as 8.89%
    
Used Automobiles (Over 100,000 miles)
      As low as 8.49%
      As low as 8.69%
      As low as 9.19%
      -
  
      APR* 48 Months
      APR* 63 Months
      APR* 75 Months
      APR* 120 Months
      APR* 144 Months
    
      New Boats, RVs, Campers & Motorcycles
      As low as 7.79%
      As low as 7.99%
      As low as 8.49%
      As low as 8.99%
      As low as 10.99%
      
      Used Boats, RVs, & Campers & Motorcycles
      As low as 8.79%
      As low as 8.99%
      As low as 9.49%
      As low as 9.99%
      As low as 11.99%

Vehicle Loan Rates
Rates current as of
	APR* 48 Months	APR* 63 Months	APR* 75 Months	APR* 84 Months
New Automobiles (up to 25,000 miles)	As low as 5.99%	As low as 6.19%	As low as 6.49%	As low as 7.89%
Used Automobiles (25,001 - 100,000 miles	As low as 6.99%	As low as 7.19%	As low as 7.69%	As low as 8.89%
Used Automobiles (Over 100,000 miles)	As low as 8.49%	As low as 8.69%	As low as 9.19%	-

	APR* 48 Months	APR* 63 Months	APR* 75 Months	APR* 120 Months	APR* 144 Months
New Boats, RVs, Campers & Motorcycles	As low as 7.79%	As low as 7.99%	As low as 8.49%	As low as 8.99%	As low as 10.99%
Used Boats, RVs, & Campers & Motorcycles	As low as 8.79%	As low as 8.99%	As low as 9.49%	As low as 9.99%	As low as 11.99%

Rates are subject to change at any time without prior notice. Based upon member creditworthiness and collateral. Other rates, terms, and conditions may apply

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

  
    Personal Loan Rates
    
      Rates current as of 
    
      APR* 36 Months
      APR* 48 Months
      APR* 60 Months
    
      As low as 9.99%
      As low as 10.99%
      As low as 11.99%

Personal Loan Rates
Rates current as of
APR* 36 Months	APR* 48 Months	APR* 60 Months
As low as 9.99%	As low as 10.99%	As low as 11.99%

Based upon member creditworthiness. Other rates, terms and conditions may apply.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

Current Rates

Savings Rates

Checking Rates

Loan Rates

HELOC Introductory Rate - 12 months - 6.99%