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Loan Rates

Loan Rates

Loan Rates

New and Used Auto Loan Rates (cars, trucks, SUVs, etc...)
Effective Date: Thursday, January 20th, 2022
Model Year(s)APRTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2021-2013 3.00% to 10.4%* 00-66 $7,000 150,000 or less
    67-75 $15,000 150,000 or less
    76-84 $20,000 150,000 or less

Boat and Motorcycle Loan Rates
Effective Date: Thursday, January 20th, 2022
Model Year(s)APRTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2021-2013 5.85% to 13.10* 00-66 $7,000 150,000 or less
    67-75 $15,000 150.000 or less
    76-84 $20,000 150,000 or less

Recreational Vehicle Loans (motor coaches, fifth wheels, campers, etc...)
Effective Date: Thursday, January 20th, 2022
Model Year(s)APRTerms Available (in months)Minimum Loan Amount for TermMileage Restrictions
2013 and newer 6.00% to 18.00%* 00-48 $10,000 150,000 or less
    49-59 $10,000 150,000 or less
    60-71 $10,000 150.000 or less
    72-83 $17,000 150.000 or less
    84-95 $20,000 150.000 or less
    96-119 $25,000 150.000 or less
    120-143 $30,000 150.000 or less
    144 $35,000 150.000 or less

Home Equity Line of Credit Rates
Effective Date: Thursday, January 20th, 2022
Loan to Value (LTV)Terms and Draw PeriodsAPR
Up to 80% LTV up to 20 years/12 year draw period Prime + 0.00%^
81% to 90% LTV up to 20 years/12 year draw period Prime + 2.00%^
91% to 95% LTV up to 20 years/12 year draw period Not Available At This Time

Home Equity Loan
Loan to Value (LTV)Terms (in months)Rates
Up to 80% LTV 36 - 120 not available
81% to 90% LTV 36 - 120 not available
91% to 95% LTV 36 - 120 not available
We are not offering home equity loans at this time. We do offer home equity lines of credit.

Fresh Start Saver Loan
Effective Date: Thursday, January 20th, 2022
Loan AmountAPRTerms (in months)Payment Amount
$500.00 10.00%* 12 $43.97
$1,000.00 10.00%* 12 $87.94
$2,000.00 10.00%* 12 $175.87

Unsecured/Personal Loans and Lines of Credit Rates
Effective Date: Thursday, January 20th, 2022
Loan TypeAPRMaximum Loan Amount
Personal/Unsecured Loan 11.00% to 18.00%* $25,000.00
Personal/Unsecured Line of Credit 11.00% to 18.00%* $25,000.00

Mortgage Rates
Effective Date: Thursday, January 20th, 2022
NameRateAPR
10 Year Fixed Rate 2.875% 3.000%
15 Year Fixed Rate 3.000% 3.250%
20 Year Fixed Rate Call for current rate N/A
30 Year Fixed Rate Call for current rate N/A
5/1 ARM 3.750% 4.000%
7/1 ARM 3.750% 4.000%
10/1 ARM 4.250% 4.50%
Physicians 10/1 ARM 4.500% 4.750%

Vacation Loan Rates
Effective Date: Thursday, January 20th, 2022
Loan TypeAPRMaximum Loan Amount
Vacation Loan 10.00%* varies by applicant

Share and CD Secured Loan Rates
Effective Date: Thursday, January 20th, 2022
Loan TypeAPRMaximum Loan Amount
Shares Secured Loan dividend rate + 3.00%* up to 100% of the available account balance
CD Secured Loan dividend rate + 3.00%* Up to 90% of the amount of the CD balance

Long-Term Mortgage Rates
Effective Date: Thursday, January 20th, 2022
RatePoints
Please contact our Mortgage Department at 901.380.7530 for rates.

Credit Card Rates
Effective Date: Thursday, January 20th, 2022
NameAPR
Titanium/Edge 13.25% APR to 21.25% APR*
Platinum Flex Rewards 11.25% APR to 19.25% APR*
Platinum Advantage 9.25% APR to 17.25% APR*

Click here to access our regular Visa Platinum disclosure. Click here to access our Visa Platinum Rebate and Rewards disclosure. Visa Platinum rate is based on Prime as listed in the Wall Street Journal and is subject to change quarterly. No annual fee. Maximum line of credit is $50,000.00. Loans are subject to approval criteria, not all applicants will qualify.

*Rates will vary based on credit worthiness and other factors. Loans are subject to approval criteria, not all applicants will qualify. For example, a $20,000.00 new auto loan with a term of 60 months at 3.70% APR will have a payment of $365.68. Equal Opportunity Lender.

 Home Equity Lines of Credit rates are based on Prime as listed in the Wall Street Journal and is subject to change quarterly. Maximum term is 240 months. Loans are subject to approval criteria, not all applicants will qualify.

**Rates are for mortgage loans with an LTV of 95% or less. Excludes taxes and insurance, your payment may be different. Loans are subject to approval criteria, not all applicants will qualify. Payment Example: A 10 year fixed first mortgage loan with a 3.00% APR will have a payment of approximately $9.66 per thousand, which does not include insurance and taxes. Your payment may vary.

All loans, rates, terms and conditions are subject to change or withdrawal at any time without notice. Call us at 901.380.7400 for current rates, terms and conditions.

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