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    loans  ::  real estate  ::  share account  ::  certificates


    Loan Rates

    Rates as of 7/01/10

    Loan Account Type APR Starting at: APR
    Up To:
    New Auto 3.99% 17.99%
    Used Auto 4.99% 17.99%
    New Boats 3.99% 17.99%
    Used Boats 4.99% 17.99%
    New Farm Equipment 10.49% 17.99%
    Used Farm Equipment 11.49% 17.99%
    Computers
    (up to 24 mo. term)
    9.99% 17.75%
    Signature 9.99% 18.00%
    MasterCard 9.99% 16.99%
    APR=Annual Percentage Rate


    Real Estate Rates

    Real Estate Type Note Rate
    starting at:
    First Mortgage (Short Term) 4.89%
    First Mortgage (Long Term) 4.99%
    Second Mortgage (Short Term) 5.89%
    Second Mortgage (Long Term) 5.99%
    Home Equity LOC (variable, prime+1%)
    Unimproved Property (variable, prime+2%)
    Certain fees and conditions may apply to the above real-estate loan types. Rate is locked in for 30 days when CU received completed application. For complete details please call the loan department at (901) 521-4646, or (800) 462-7777.


    Share Account Rates

    Rates as of 6/30/10

    Share Accounts* APY
    Regular Shares 0.50%
    Custom Shares 0.50%
    Holiday Club 0.50%
    Vacation Club 0.50%
    Accumulation IRA 0.75%
    Sharedraft/Checking No dividends paid on sharedraft accounts
    APY=Annual Percentage Yield

    *Dividend rates on regular shares, custom shares, and Club accounts are determined at the end of the quarter and are subject to change.


    Share Certificate and
    IRA Share Certificate Rates

    Rates effective 7/28/10 – 8/3/10

    Term of Certificate Minimum Balance APY
    6 Months $1,000.00 1.45%
    12/18/24 Months $1,000.00 1.60%
    30/36/42 Months $1,000.00 1.85%
    60 Months $1,000.00 2.50%
    For certificates purchased through 8/3/2010.

    APY=Annual Percentage Yield

    Penalty for Early Maturity of a Certificate:
    Terms through 6 months: 30 days interest on amount withdrawn. Terms 12 months through 24 months: 90 days interest on amount withdrawn. Terms over 24 months: 180 days interest on amount withdrawn. There is no difference in the penalty for an IRA or REG share certificate. If the penalty is more than the accrued dividends, it will come from the principal of the certificate.




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

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