Term
APY
DIV
Six Month Certificate
0.25%
0.25%
One Year Certificate
0.30%
0.30%
Two Year Certificate
0.40%
0.40%
Three Year Certificate
0.50%
0.50%
​Five Year Certificate
0.60%
0.60%
Regular Savings
​0.50%*
​0.50%*
Savings and Loan Rates & Terms are subject to change without notice.
​ Call (256) 383-6551 for current rates!
Savings Rates
* This is the rate paid last quarter on the "Regular Shares".
The rate for this quarter has not been determined.
APY (Annual Percentage Yield)     DIV (Dividend Rate)
Loan Rates
Annual Percentage Rate (APR)
New Vehicles
5 Years
6 Years
7 Years
2.95%
3.25%
4.00%
100% of Purchase Price/Book Value 
 2019 & Newer Vehicles (Used) 
​5 Years
6 Years
2.95%
3.25%
90% of Book Value
​​2016 - 2018 Used Vehicles
5 Years
​6 Years
3.50%
​4.95%
90% of Book Value
2015 & Older Vehicles
4 Years
5 Years
5.15%
​6.75%
​90% of Book Value
New Boats, Motor-Cycles, Recreational
5 Years
4.50%
​100% of Purchase Price / Book Value (whichever is less)
​Used Boats, Motor-Cycles, Recreational
​5 Years
​5.50%
90% of Book Value
New Motor Homes
7 Years
8.00%
90% of purchase price
Used Motor Homes
7 years
9.00%
80% of Book Value
​​​New Farm Equipment
​5 Years
​6.00%​
100% of Purchase Price / Book Value (whichever is less) ​
​​Used Farm Equipment
​​5 Years
6.94%
80% of Book Value
​Personal Loans
​up to 3 years
14.00%
-
​​Share & Certificate Secured (Fixed Rate)
3 Years
-
3.10% Above "DIV" Rate
​Share & Certificate Secured (Variable Rate)
​3 Years
-
​3.00% Above "DIV" Rate
​Loan Application