Loan Rates
| |
|
Type of Loan
|
Annual
Percentage
Rate*
Beginning At
|
Months
|
Representative
Payment Example
|
| |
| NEW CAR SPECIAL |
2.79%* |
Up to 48 |
$20,000@2.79% for 48 mos. $441.04/month
|
| NEW CAR SPECIAL |
2.99%* |
49-60 |
$20,000@2.99% for 60 mos. $359.46/mo.
|
| NEW CAR SPECIAL |
3.49%* |
61-72 |
$20,000@3.49% for 72 mos. $308.42/mo.
|
| Vehicle |
3.25%†
|
48
|
$20,000@ 3.25% for 48 mo. $445.10/mo.
|
|
Vehicle
|
3.49%†
|
60
|
$20,000 @ 3.49% for 60 mo. $363.92/mo.
|
|
Vehicle
|
4.49% †
|
72
|
$20,000 @ 4.49% for 72 mos. $317.54/mo.
|
|
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
|
7.90%
|
24
|
$5,000 @ 7.90% for 24 mos. $226.00/mo.
|
|
Line of Credit
|
14.50% (variable)
|
24
|
|
|
Select Line
|
9.90% (variable)
|
24
|
|
|
Signature/Personal
|
8.49%
|
12
|
$1,000 @ 8.49% for 12 mo. $87.26/mo.
|
|
Home Equity Loan
(First Mortgage)
|
3.75%†† |
180 |
$10,000 @ 3.75% for 180 mos. $72.26/mo. |
|
Home Equity Loan
(Second Mortgage)
|
5.25%†††
|
60
|
$10,000 @ 5.25% for 60 mos. $189.92/mo.
|
|
Unimproved Property
|
7.25%
|
60
|
$10,000 @ 7.25% for 60 mos. $199.28/mo.
|
|
Home Equity Line
|
4.25% (variable)**
|
180
|
|
|
Platinum Visa
|
9.65%***
|
N/A
|
No annual fee
|
|
Classic Visa
|
14.25%***
|
N/A
|
No annual fee
|
|
Tennessee Gold MasterCard
|
10.65%***
|
N/A
|
No annual fee
|
*Annual Percentage Rate (APR) on Loan Accounts, effective March 29, 2012 . 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 vehicles model years 2009 through 2012, 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 70% LTV. All rates and terms subject to change. Rate may vary based on individual creditworthiness and term of the loan.
†††The Rate is fixed and based on less that 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.