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Rates

Auto Loan Rates

TypeAPR* as low asTerm
New/Used6.75%**Up to 48 months – model years 5 and newer
New/Used6.75%**Up to 60 months – model years 5 and newer
New/Used6.75%**Up to 72 months – model years 5 and newer
New/Used6.75%**Up to 78 months – model years 5 and newer
New/Used6.75%**Up to 84 months minimum loan amount of $25,000 - model years 5 and newer
Used7.75%***Up to 48 months – model years 6 to 10 maximum
Used7.75%***Up to 60 months – model years 6 to 10 maximum
Used7.75%***Up to 72 months – model years 6 to 10 maximum
Used7.75%***Up to 78 months – model years 6 to 10 maximum
Used7.75%***Up to 84 months minimum loan amount of $25,000 model years 6 to 10 maximum
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
*** Add 1.0% to qualified rate for vehicles over 100,000 miles
Last modified: March 14, 2024


Motorcycle Loan Rates

TypeAPR* as low asTerm
New/Used6.75%**Up to 48 months – model years 5 and newer
New/Used6.75%**Up to 60 months – model years 5 and newer
New/Used6.75%**Up to 72 months – model years 5 and newer
New/Used6.75%**Up to 78 months – model years 5 and newer
New/Used6.75%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
Used7.75%***Up to 48 months – model years 6 to 10 maximum
Used7.75%***Up to 60 months – model years 6 to 10 maximum
Used7.75%***Up to 72 months – model years 6 to 10 maximum
Used7.75%***Up to 78 months – model years 6 to 10 maximum
Used7.75%***Up to 84 months minimum loan amount of $25,000 - model years 6 to 10 maximum
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
*** Add 1.0% to qualified rate for vehicles over 100,000 miles
Last modified: March 14, 2024


Boat / Personal Watercraft / RV Loan Rates

TypeAPR* as low asTerm
New/Used6.75%**Up to 48 months – model years 5 and newer
New/Used6.75%**Up to 60 months – model years 5 and newer
New/Used6.75%**Up to 72 months – model years 5 and newer
New/Used6.75%**Up to 78 months – model years 5 and newer
New/Used6.75%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
New/Used8.75%**Up to 120 months minimum loan amount of $25,000 – model years 5 and newer
New/Used9.75%**Up to 180 months minimum loan amount of $50,000 – model years 5 and newer
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Model years 6 - 20 add 1%, up to 180 months not eligible
Model years 21+ add 2%, up to 180 month not eligible
Last modified: March 14, 2024


Personal Loans

TypeAPR* as low asTerm
Personal Loan12.9%**Up to 48 months
Line of Credit12.9%**
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change


VISA Rates

TypeAPR* as low asTerm
VISA Premium Rewardsas low as 12.50%**Earns Rewards. Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Your APR will vary with the market based on the Prime Rate.
VISA Legacy Rewardsas low as 14.50%**Earns Rewards. For member who do not want Rewards checking. Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Your APR will vary with the market based on the Prime Rate.
VISA Platinum10.9%**Introductory rate of 2.99% for 12 billing cycles from card open date. Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate ARP.
VISA Secured9.9%**No fee. Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate ARP.
Credit Cards Rates & Disclosures
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Last modified: January 8, 2024


Mortgage Loans

TypeAPR* as low asTermAdditional Information
1st Mortgage FixedClick here
1st Mortgage VariableClick here
Equity Loan8.50% Fixed10 Years80% LTV (Loan to Value)
9.00% Fixed15 Years80% LTV (Loan to Value)
10.50% Fixed10 Years90% LTV (Loan to Value)
11.00% Fixed15 Years90% LTV (Loan to Value)
Home Equity Line of Credit (HELOC)8.50% Variable15 Years5 year draw period
Unimproved PropertyCall a tnConnect Mortgage Officer for rates
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Last modified: August 28, 2023


Other Secured Loans

TypeAPR* as low asTerm
Other Secured Loan12.9%**Up to 48 months
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change


Checking

TypeRateAPY*Term
Interest Checking0.01%0.01%Earns Rewards. $3 monthly fee if average daily balance falls below $300
Digital Checking0%Earns Rewards
Free Checking0%
Platinum Plus Money Market (effective July 1, 2023)1.25%1.26%$100,000 +
0.75%0.75%$50,000 – $99,999
0.5%0.50%$25,000 – $49,999
0.25%0.25%$2,500 – $24,999
0.01%0.01%$0 - $2,499
* APR = Annual Percentage Rate
Last modified: June 30, 2023


Certificate Specials

The Minimum Opening Balance is $10,000 for this certificate. Certificate may be opened as an IRA Certificate. For more details, please visit Certificate Special.
TermRateAPY*
13 Month3.93%4.00%
23 Month4.89%5.00%
* APY = Annual Percentage Yield
Last modified: November 17, 2023


Certificates

The Minimum Opening Balance and the Minimum Balance to earn dividends is $1000.00 for all certificates. Any term of certificate may be opened as an IRA Certificate.
TermRateAPY*
Tailored Certificate – 3 month0.75%0.75%
Tailored Certificate – 6 month0.75%0.75%
Tailored Certificate – 9 month0.75%0.75%
Tailored Certificate – 12 month2.25%2.27%
Tailored Certificate – 18 month2.25%2.27%
Tailored Certificate – 24 month2.50%2.53%
Tailored Certificate – 30 month2.50%2.53%
Tailored Certificate – 36 month2.75%2.78%
Tailored Certificate – 48 month3.00%3.04%
* APR = Annual Percentage Rate
Last modified: November 11, 2023


IRAs

TypeRateAPY*
IRA Accumulation0.20%0.20%
Roth IRA Savings0.20%0.20%
Education IRA Savings0.20%0.20%
IRA Certificate - IRA certificates are available for the same term and rates as traditional certificates. See certificate rates and terms above.
* APR = Annual Percentage Rate
Last modified: March 26, 2021