Visit our Guaranteed Best CD and IRA Rates page for complete details.
CD (Certificate) and IRA Specials
Effective Date: Tuesday, October 14th, 2025
| Name | Term | Minimum to open | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 4 Month Certificate | 4 months | $5,000 | 4.18% | 4.250% |
| 7 Month Traditional IRA | 7 months | $5,000 | 4.26% | 4.500% |
CDs (Certificates) and IRAs
Effective Date: Tuesday, October 14th, 2025
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 3 Months | 2.16% | 2.18% |
| 6 Months | 2.85% | 2.87% |
| 12 Months | 2.71% | 2.74% |
| 18 Months | 2.33% | 2.35% |
| 24 Months | 2.40% | 2.43% |
| 30 Months | 1.75% | 1.76% |
| 36 Months | 2.35% | 2.38% |
| 48 Months | 2.00% | 2.02% |
| 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. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. 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 CDs
Effective Date: Tuesday, October 14th, 2025
| Term | Dividend Rate | Annual Percentage Yield | Balance |
|---|---|---|---|
| 3 Months | 1.45% | 1.45% | $100 to $999.99 |
| 6 Months | 1.34% | 1.34% | $100 to $999.99 |
| APY = Annual Percentage Yield. Build IT CDs can accept additional deposits at any time via direct deposit, a branch transaction, or ACH. Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA. | |||
HSAs (Health Savings Account)
Effective Date: Tuesday, October 14th, 2025
| Amount | 0 – $199.99 | $200.00 – $2,999.99 | $3,000.00 – $19,999.99 | $20,000.00 and over |
|---|---|---|---|---|
| 0.00% APY | 0.10% APY | 0.15% APY | 0.25% 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: Tuesday, October 14th, 2025
| Balance | Annual Percentage Yield |
|---|---|
| 0 - $2499.99 | 0.70% APY |
| $2,500 – $14,999.99 | 0.80% APY |
| $15,000 – $24,999.99 | 0.90% APY |
| $25,000 – $49,999.99 | 1.00% APY |
| $50,000 – $99,999.99 | 1.10% APY |
| $100,000 – $249,999 | 1.20% APY |
| $250,000 – $499,999 | 1.45% APY |
| $500,000 and over | 2.45% 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. | |
Interest Checking and Savings Plus
Effective Date: Tuesday, October 14th, 2025
| Balance | 0 to $999.99 | $1,000.00 or more |
|---|---|---|
| Annual Percentage Yield | 0.00% APY | 0.02% APY |
| APY = Annual Percentage Yield. Interest is compounded and posted quarterly. | ||
High Yield Checking
Effective Date: Tuesday, October 14th, 2025
| Balance | $0 to $10,000 | $10,000.01 and over |
|---|---|---|
| APY | 6.25 | 0.02 |
| APY = Annual Percentage Yield. Interest is posted monthly. If the requirements for High Yield Checking are not met, the standard posted rate will apply. | ||
Savings Account
Effective Date: Tuesday, October 14th, 2025
PRIME SAVINGS
| Balance | 0 – $199.99 | $200.00 – $2,999.99 | $3,000.00 – $19,999.99 | $20,000.00 and over | minimum to open |
|---|---|---|---|---|---|
| Annual Percentage Yield | 0.00% APY | 0.20% APY | 0.20% APY | 0.20% APY | $25.00 |
| APY=Annual Percentage Yield | |||||
Vacation Savings Club
Effective Date: Tuesday, October 14th, 2025
| Balance | No minimum |
|---|---|
| Annual Percentage Yield | 0.75% APY |
| APY = Annual Percentage Yield. $10 minimum to open. | |
Christmas Club
Effective Date: Tuesday, October 14th, 2025
| Balance | No minimum |
|---|---|
| Annual Percentage Yield | 0.75% APY |
| APY = Annual Percentage Yield. $10 minimum to open. | |