Savings and Loan Rates & Terms are subject to change without notice.
​ Call (256) 383-6551 for current rates!

Savings Rates

Term	APY	DIV
Six Month Certificate	0.45%	0.45%
One Year Certificate	0.65%	0.65%
Two Year Certificate	1.16%	1.15%
Five Year Certificate	1.97%	1.95%
Regular Savings	0.50%*	0.50%*

* 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	2.40% ​2.90% 3.50%	100% of Purchase Price/Book Value
2015 & Newer Vehicles (Used)	​5 Years 6 Years	2.40% ​2.90%	90% of Book Value
​​2012 - 2014 Used Vehicles	5 Years ​6 Years	4.00% ​4.79%	90% of Book Value
2011 & Older Vehicles	4 Years 5 Years	5.00% ​6.00%	​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	​6.00%	90% of Book Value
​​New Farm Equipment	5 Years	​​5.00%​	100% of Purchase Price / Book Value (whichever is less) ​
​Used Farm Equipment	​5 Years	5.00%	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

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