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Rates are subject to change without notice.
Fees may reduce Share Deposit Account earnings.
Scroll down for Loan Interest Rates or Click Here
Scroll down for Savings Interest Rates or Click Here
| Share Accounts |
|
APY 2 |
Compounding and Dividend Period |
Minimum Balance to Open/Maintain Account |
Minimum Balance to Earn Dividend |
|
Regular Share
|
|
.10% |
Quarterly |
$5.00 |
$100.00 |
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Christmas/VAcation Club
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.10% |
Annual |
$1.00 |
$1.00 |
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Regular IRA
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.20% |
Quarterly |
$1.00 |
$1.00 |
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Checking Plus
Senior Plus
Over $5,000
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.05%
.10% |
Monthly |
$15.00
$15 |
$500.00
$5,000 |
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Money Market
|
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.20%
|
Monthly |
$2,500 |
$2,500 |
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Term Share Certificates3
|
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APY 2 |
Compounding and Dividend Period |
Minimum Balance to Open/Maintain Account |
Minimum Balance to Earn Dividend
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3 Month
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.15% |
Annual
|
$1,000.00 |
$1,000.00 |
6 Month
6 Month IRA |
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.25% |
Annual
|
$1,000.00 |
$1,000.00 |
12 Month
12 Month IRA |
|
.40% |
Annual
|
$1,000.00
|
$1,000.00 |
| 18 Month |
|
.50% |
Annual
|
$1,000.00
|
$1,000.00
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24 Month
24 Month IRA |
|
.50%
|
Annual
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$1,000.00
|
$1,000.00
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| 30 Month |
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.50%
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Annual
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$1,000.00
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$1,000.00
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36 Months
36 Month IRA |
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.75%
|
Annual
|
$1,000.00
|
$1,000.00
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48 Month
48 Month IRA |
|
.90%
|
Annual
|
$1,000.00
|
$1,000.00
|
60 Month
60 Month IRA |
|
1.00%
|
Annual
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$1,000.00
|
$1,000.00
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2 APY=Annual Percentage Yield.
3Certificate withdrawals prior to maturity for terms of 12 months and less are subject to 90-day loss of dividends and
Certificate withdrawals prior to maturity for terms greater than 12 months are subject to 180-day loss of dividends.
Fees may reduce earnings.
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| Consumer Loans2 |
APR 1 |
Term |
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RVs to 84 Months, Boats and Motorcyles to 72 Months, Consumer purchases to 48 Months
|
6.00% to 14.50% |
12 to 84 Months |
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Holiday Loans
|
8.00% to 18.00% |
12 Months |
| Savings Secured Loans |
2% above Saving/Certificate Rate |
Varies |
| Click Here for Loan Rates and details |
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1 APR=Annual Percentage Rate2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate and term were determined. See Lending Rate Chart for details.
(Loan Calculator)
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| Signature Loans and Personal Lines of Credit2 |
APR 1 |
Minimum Payment |
| Smart-Line #1 |
Prime3 + 3% |
$4 per $100 |
| Smart-Line #2 |
Prime3 + 6% |
$5 per $100 |
| Smart-Line #3 |
Prime3 = 9% |
$6 per $100 |
| Fixed Rate Loan |
18% APR |
$6 per $100 |
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1 APR=Annual Percentage Rate. (Loan Calculator)
2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined.
3 Prime = Prime Rate as listed in the Wall Street Journal.
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| Home Equity Line of Credit2 |
APR 1 |
Term |
| Home Equity Line of Credit |
As low as
Prime3 + 1% |
36 to 120 Months |
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1 APR=Annual Percentage Rate. (Loan Calculator)
2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined.
3 Prime = Prime Rate as listed in the Wall Street Journal.
Home Equity Line of Credit available in Kentucky and Tennessee only.
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| Mortgage Loans2 |
APR 1 |
Term3 |
First Mortgage Loans -
No points or origination fees and low closing costs |
Call for current rates
615-367-7227
1-800-298-8260
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5 to 30 Years Amortization |
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1APR=Annual Percentage Rate. (Loan Calculator)
2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined.
3 First mortgages loans are 10 year balloon loans with a 5 year call provision.
Mortgage loans available in Kentucky and Tennessee only.
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