IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Guaranteed best CD And IRA Rates

Visit our Guaranteed Best CD and IRA Rates page for complete details.

CD (Certificate) and IRA Specials
Effective Date: Saturday, October 4th, 2025
NameTermMinimum to openDividend RateAnnual 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: Saturday, October 4th, 2025
TermDividend RateAnnual 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: Saturday, October 4th, 2025
TermDividend RateAnnual Percentage YieldBalance
3 Months 1.50% 1.50% $100 to $999.99
6 Months 1.36% 1.36% $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: Saturday, October 4th, 2025
Amount0 – $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: Saturday, October 4th, 2025
BalanceAnnual 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 1.50% APY
$500,000 and over 2.50% 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: Saturday, October 4th, 2025
Balance0 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: Saturday, October 4th, 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: Saturday, October 4th, 2025
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 0.20% APY 0.20% APY 0.20% APY $25.00
APY=Annual Percentage Yield

Vacation Savings Club
Effective Date: Saturday, October 4th, 2025
BalanceNo minimum
Annual Percentage Yield 0.75% APY
APY = Annual Percentage Yield. $10 minimum to open.

Christmas Club
Effective Date: Saturday, October 4th, 2025
BalanceNo minimum
Annual Percentage Yield 0.75% APY
APY = Annual Percentage Yield. $10 minimum to open.

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