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Loan Account Type
Annual Percentage Rate Starting at:
New Auto

5.25%
Used Auto

5.25%
Signature

11.49%
Share-Secured

2% over dividend rate earned on shares (variable)
MasterCard

11.45%
Mobile Home New-85%

10.25%
Mobile Home New-95%

12.00%
Mobile Home Used 10.25%
Motor Home New 5.25%
Motor Home Used 5.25%
Travel Trailer New 5.25%
Travel Trailer Used 5.25%
Airplane New 5.25%
Airplane Used 5.25%
Motorcycle New 5.25%
Motorcycle Used 5.25%
Boat New 5.25%
Boat Used 5.25%
Farm Equipment New 5.25%
Farm Equipment Used 5.25%
Stock
Loan Value 75% of  Market Value		 10.75%
Share Term Certificate Secured 3% over dividend rate earned on certificate

Updated: 06/16/08

Helpful links

All rates quoted subject to change at any time without notice.

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Real-Estate Type
Annual Percentage Rate Starting at:
Home Equity (LOC-15yrs) 80%

5.00% (variable)
Home Equity (LOC-15yrs) 95%

6.00% (variable)
1st Mortgage (15yrs)

6.00%       (fixed)
1st Mortgage 5 year Floater (30 year term)

5.75% (variable)
1st Mortgage (30 yrs) 80%

   6.375% (fixed)

All rates quoted subject to change at any time without notice.

Certain fees and conditions may apply to the real-estate loan types. For complete details please call Cheryl Jackson or Teresa Xiques at (901) 360-1818

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Share Accounts*
Annual Percentage Rate
Regular Share (Passbook)

1.50%
Special Share (Passbook)

1.50%
Christmas Club 

1.50%
Money Market 

 2.50% APY
Accumulative IRA

1.50%
Share Draft/Checking*
*minimum daily balance requirement $1000 to obtain disclosed A.P.Y.

1.00%

All rates quoted subject to change at any time without notice.

 

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Term of Certificate
Annual Percentage Rate
6 Months

3.00%
12 Months

3.10%
30 Months

3.26%
42 Months

3.45%

Penalty for Early Maturity of Certificate:
60 days interest on amount withdrawn.

There is no difference in the penalty for an IRA or Regular Share Certificate. The penalty could be more than the accrued dividends and therefore come from the principle of the certificate.

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Home Locations & Hours Newsletter Services Loan Application Rates About Us Email Us

Main Office:
2608 Avery Avenue
Memphis, TN 38112
Phone: 321-1200
FAX: 321-1212

Raleigh Branch:
2897 Covington Pike
Memphis, TN 38128
Phone: 385-1783
FAX: 385-1275

Downtown Branch:
109 N. Main Street
Memphis, TN 38103
Phone: 528-0700
FAX: 525-0775

Mt. Moriah Branch:
2678 Mt. Moriah Terrace Cove
Memphis, TN 38115
Phone: 360-1818
FAX: 363-9736

Whitehaven Branch:
1264 E. Shelby Drive
Memphis, TN 38116
Phone: 398-1101
FAX: 398-4402

Whitten Road Branch:
1900 Whitten Rd., Ste. 102
Memphis, TN 38133
Phone: 869-4135
FAX: 869-4139

 
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