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Certificate (CD) or IRA
Effective Date: Sunday, April 30th, 2017
Amount3 Months6 Months12 & 18 Months24 & 30 Months36 & 48 Months60 + Months
$0.00 - $499.99 0.00% APY 0.00% APY 0.00% APY 0.00% APY 0.00% APY 0.00% APY
$500 - $9,999.99 0.10% APY 0.15% APY 0.20% APY 0.25% APY 0.30% APY 0.30% APY
$10,000.00 - $49,999.99 0.20% APY 0.30% APY 0.45% APY 0.60% APY 0.75% APY 1.11% APY
$50,000.00 - $199,999.99 0.30% APY 0.40% APY 0.55% APY 0.70% APY 0.85% APY 1.16% APY
$200,000.00 and over 0.40% APY 0.50% APY 0.65% APY 0.80% APY 0.95% APY 1.26% APY
APY = Annual Percentage Yield. Monthly Interest / Monthly Check - Posted rate less .20% APY. Early withdrawals from CDs and IRAs will incur substantial penalties. Fees could reduce earnings on some accounts. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest except IRAs - minimum opening balance is $100.00. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Build-it CD
Effective Date: Sunday, April 30th, 2017
Amount3 Months6 Months
$100 - $9,999.99 0.10% APY 0.15% APY
APY = Annual Percentage Yield

HSAs (Health Savings Account)
Effective Date: Sunday, April 30th, 2017
Amount0 $199.99$200.00 $2,999.99$3,000.00 $19,999.99$20,000.00 and over
  0.00% APY 0.05% APY 0.07% APY 0.10% APY
APY = Annual Percentage Yield. All rates subject to change without notice. Call 901.380.7400 for current rate information. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest.

Money Markets
Effective Date: Sunday, April 30th, 2017
Balance0 - $2499.99$2,500 $14,999.99$15,000 $24,999.99$25,000 $49,999.99$50,000 $99,999.99$100,000 or more
Annual Percentage Yield 0.00% APY 0.10% APY 0.15% APY 0.205 APY 0.25% APY 0.35% APY
APY = Annual Percentag Yield. All rates subject to change without notice. Call 901.380.7400 for current rate information. The minimum required to open the above accounts is the same as the minimum required to earn corresponding interest.

Interest Checking and Savings Plus
Effective Date: Sunday, April 30th, 2017
Balance0 to $999.99$1,000.00 or more
Annual Percentage Yield 0.00% APY 0.05% APY
APY = Annual Percentage Yield. Interest is compounded and posted quarterly.

Savings Account
Effective Date: Sunday, April 30th, 2017
PRIME SAVINGS
Balance0 $199.99$200.00 $2,999.99$3,000.00 $19,999.99$20,000.00 and overminimum to open
Annual Percentage Yield 0.00% APY 0.05% APY 0.07% APY 0.10% APY $25.00
APY=Annual Percentage Yield

Vacation Savings Club
Effective Date: Sunday, April 30th, 2017
BalanceNo minimum
Annual Percentage Yield 0.07% APY
APY = Annual Percentage Yield. $10 minimum to open.

Christmas Club
Effective Date: Sunday, April 30th, 2017
BalanceNo minimum
Annual Percentage Yield 0.07% APY
APY = Annual Percentage Yield. $10 minimum to open.

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