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Open an Account | Apply for a Loan | Phone: 865.688.2424 | Routing # 264279554

Rates

Auto Loan Rates

Type	APR* as low as	Term
New/Used	2.79%**	Up to 48 months – model years 5 and newer
New/Used	2.79%**	Up to 60 months – model years 5 and newer
New/Used	3.49%**	Up to 72 months – model years 5 and newer
New/Used	3.49%**	Up to 78 months – model years 5 and newer
New/Used	4.49%**	Up to 84 months minimum loan amount of $25,000 - model years 5 and newer
Used	3.79%***	Up to 48 months – model years 6 to 10 maximum
Used	3.79%***	Up to 60 months – model years 6 to 10 maximum
Used	4.49%***	Up to 72 months – model years 6 to 10 maximum
Used	4.49%***	Up to 78 months – model years 6 to 10 maximum
Used	5.49%***	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.

Motorcycle Loan Rates

Type	APR* as low as	Term
New/Used	2.79%**	Up to 48 months – model years 5 and newer
New/Used	2.79%**	Up to 60 months – model years 5 and newer
New/Used	3.49%**	Up to 72 months – model years 5 and newer
New/Used	3.49%**	Up to 78 months – model years 5 and newer
New/Used	4.49%**	Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
Used	3.79%***	Up to 48 months – model years 6 to 10 maximum
Used	3.79%***	Up to 60 months – model years 6 to 10 maximum
Used	4.49%***	Up to 72 months – model years 6 to 10 maximum
Used	4.49%***	Up to 78 months – model years 6 to 10 maximum
Used	5.49%***	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.

Boat / Personal Watercraft / RV Loan Rates

Type	APR* as low as	Term
New/Used	2.79%**	Up to 48 months – model years 5 and newer
New/Used	2.79%**	Up to 60 months – model years 5 and newer
New/Used	3.49%**	Up to 72 months – model years 5 and newer
New/Used	3.49%**	Up to 78 months – model years 5 and newer
New/Used	4.49%**	Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
New/Used	4.79%**	Up to 120 months minimum loan amount of $25,000 – model years 5 and newer
New/Used	5.79%**	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 eligiable

Personal Loans

Type	APR* as low as	Term
Personal Loan	12.9%**	Up to 48 months
Line of Credit	12.9%**
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change

VISA Rates

Type	APR* as low as	Term
VISA Premium Rewards	as low as 8.75%**	Earns Rewards. Introductory rate of 2.99% for 12 billing cycles. Your APR will vary with the market based on the Prime Rate.
VISA Legacy Rewards	as low as 10.75%**	Earns Rewards. For member who do not want Rewards checking. Introductory rate of 2.99% for 12 billing cycles. Your APR will vary with the market based on the Prime Rate.
VISA Platinum	10.9%**	No fee. Introductory rate of 2.99% for 12 billing cycles
VISA Classic	12.9%**	No fee. Introductory rate of 2.99% for 12 billing cycles
VISA Plus	10.9%**	$15 annual fee. Introductory rate of 2.99% for 12 billing cycles
VISA Secured	9.9%**	No fee. Introductory rate of 2.99% for 12 billing cycles
Credit Cards Rates & Disclosures
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change Last modified: November 29, 2019

Mortgage Loans

Type	APR* as low as	Term
1st Mortgage Fixed	Click here
1st Mortgage Variable	Click here
Equity Loan	Click here
Home Equity Line of Credit (HELOC)	3.25%
Unimproved Property	Click here
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change

Other Secured Loans

Type	APR* as low as	Term
Other Secured Loan	12.9%**	Up to 48 months
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change

Checking

Type	Rate	APY*	Term
Interest Checking	0.03%	0.03%	Earns Rewards. $3 monthly fee if average daily balance falls below $300
Digital Checking	0%		Earns Rewards
Free Checking	0%
Platinum Plus Money Market	0.30%	0.30%	$100,000 +
	0.25%	0.25%	$50,000 – $99,999
	0.20%	0.20%	$25,000 – $49,999
	0.15%	0.15%	$2,500 – $24,999
	0.01%	0.01%	$0 - $2,499
* APY = Annual Percentage Yield

Savings

Type	Rate	APY*	Term
Regular Saving	0.05%	0.05%
Emergency Fund	2.00%	2.02%	$0 - $10,000
	0.05%	0.05%	$10,001 +
Miscellaneous Savings	0.05%	0.05%
Escrow Savings	0.05%	0.05%
Christmas Club	0.05%	0.05%
Vacation Club	0.05%	0.05%
Waggin’ Cent$ Savings	0.05%	0.05%
* APY = Annual Percentage Yield
Last modified: March 1, 2019

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.

Term	Rate	APY*
Tailored Certificate – 3 month	0.15%	0.15%
Tailored Certificate – 6 month	0.20%	0.20%
Tailored Certificate – 9 month	0.20%	0.20%
Tailored Certificate – 12 month	0.65%	0.65%
Tailored Certificate – 18 month	0.85%	0.85%
Tailored Certificate – 24 month	0.95%	0.95%
Tailored Certificate – 30 month	0.95%	0.95%
Tailored Certificate – 36 month	1.00%	1.00%
Tailored Certificate – 48 month	1.05%	1.06%
* APY = Annual Percentage Yield
Last modified: March 16, 2020

IRAs

Type	Rate	APY*
IRA Accumulation	0.35%	0.35%
Roth IRA Savings	0.35%	0.35%
Education IRA Savings	0.35%	0.35%
IRA Certificate - IRA certificates are available for the same term and rates as traditional certificates. See certificate rates and terms above.
* APY = Annual Percentage Yield