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Rates > Loans

Loan Rates

Type of Loan

Annual
Percentage
Rate*
Beginning At

Months

Representative 
Payment Example
 

 
Vehicle

3.99% ‡

36 

$20,000@ 3.99% for 36 months - $590.66/month 

Vehicle

4.29% ‡

48

$20,000 @ 4.29% for 48 months - $454.38/month

Vehicle

4.49% ‡

60

$20,000 @ 4.49% for 60 months - $372.94/month

Share Secured Loan

3.00% above rate on deposit account

N/A

 

Certificate Secured Loan

3.00% above rate on deposit account

N/A

 

Other Secured Loan

8.99%

24

$5,000 @ 8.99% for 24 months - $228.54/month

Line of Credit

14.50% (variable)

24

 

Select Line

 9.90% (variable)

24

 

Signature/Personal

8.90%

12

 

Home Equity

5.25†

60

$10,000 @ 5.25% for 60 months - $189.94/month

Unimproved Property

7.25%

60

$10,000 @ 7.25% for 60 months - $199.28/month

Home Equity Line 

4.25% (variable)**

180

 

Platinum Visa

9.65%***

N/A

No annual fee

Classic MasterCard/Visa

14.25%***

N/A

No annual fee with 6 usages annually. Otherwise $25.00

Tennessee Gold MasterCard

10.65%***

N/A

No annual fee with 6 usages annually. Otherwise $35.00

 

    

*Annual Percentage Rate (APR) on Loan Accounts, effective June 15, 2009. All rates and terms are subject to change.   Rates and terms are subject to individual credit approval. The APR is the advertised rate assuming automatic payments.  Please call 1 800-622-2535 or your local branch for additional information.

 

‡The Base Annual Percentage Rate is the advertised rate for new vehicles model years 2009 and 2010, assuming electronic payments and can vary based on creditworthiness, age of vehicle and terms of the loan. Financing up to the retail value of the auto is available. Rates for used and older model years and credit rating will differ.  

 

†Rate is fixed and based on less than 80% LTV. All rates and terms subject to change. Rate may vary based on individual creditworthiness and term of the loan.

 

**Home Equity Line of Credit rate may be as low as Wall Street Journal Prime Rate. Actual rate is based upon LTV and credit qualifications and is subject to change after consummation. Maximum APR of 18%. Five year draw period with terms up to 15 years and up to 90% LTV. Low closing costs. Contact us for more information.

 

    

***Rates are variable and subject to change semi-annually on June 30th and December 31st.  Special Promotional Rate for Balance Transfers made within 90 days of opening new credit card. Applicable to New Classic, Gold, and Platinum Cards: Introductory rate of 4.90% for balance transfers ending 12 months from the date of first qualifying transfer, thereafter the standard rate for purchase applies.  Contact your local branch for more information.


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