We take pride in our tradition of providing personal and friendly yet professional and timely service, coupled with competitive and reasonable rates and fees. Included here are both Personal and Business account rates. Also view our Fees.

Rates

Term Minimum Open Deposit Dividend Rate % APY %
3 Month $1,000 0.15% 0.15%
6 Month $1,000 0.295% 0.30%
12 Month $1,000 0.745% 0.75%
18 Month $1,000 1.14% 1.15%
24 Month $1,000 1.24% 1.25%
30 Month $1,000 1.29% 1.30%
36 Month $1,000 1.49% 1.50%

Rates current as of: February 23, 2019

*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. A penalty will be applied for early withdrawal.

See Truth in Savings Certificates (PDF)

Account Type Dividend Rate Annual Percentage Yield (APY)
Checking 0.01% 0.01%
Tenn Plus Checking 0.01% 0.01%
Share Savings 0.10% 0.10%
Club Savings 0.10% 0.10%

Rates current as of: February 23, 2019

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account. The annual percentage yield is accurate as of the last dividend declaration date. Please see Truth in Savings Disclosure for complete account details.

Product Type Term Interest Rate Annual Percentage Rate (APR)2 Example3
Mortgage - Fixed Rate 5 Year as low as 3.65% 4.139% $18.26
Mortgage - Fixed Rate 10 Year as low as 3.90% 4.158% $10.08
Mortgage - Fixed Rate 15 Years as low as 4.15% 4.331% $7.47
Mortgage - Fixed Rate4 Longer terms Call for details Call for details --
Mortgage - Adjustable Rate5 1 Year ARM as low as 3.50% 5.132% $4.49
Mortgage - Adjustable Rate5 3 Year ARM as low as 3.65% 4.931% $4.57
Mortgage - Adjustable Rate5 5 Year ARM as low as 3.85% 4.786% $4.69
Mortgage - Adjustable Rate5 7 Year ARM as low as 4.25% 4.828% $4.92
Mortgage - Adjustable Rate5 10 Year ARM as low as 4.35% 4.758% $4.98
Mortgage - Adjustable Rate5 15 Year ARM as low as 4.45% 4.693% $5.04

Rates current as of: February 23, 2019

1. Up to 100% LTV with DGU Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000.

4. Secondary Mortgage through MyCUMortgage.

5. APR can increase or decrease after the initial ARM term.

6.  All 1st Mortgage Jumbo Loans Fixed and Arm over $453,100 add .75% to the interest rate which will affect the apr.

Product Term Annual Percentage Rate (APR)1 Example2
Auto 36 Month As low as 3.99% $29.52
Auto 48 Month As low as 3.99% $22.57
Auto 60 Month As low as 4.10% $18.46
Auto 72 Month As low as 4.10% $15.69
Auto 84 Month As low as 5.15% $14.20

Rates current as of: February 23, 2019

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

2. Example is based on payment per $1,000.

Product Term Annual Percentage Rate (APR)*
Visa Credit Card Variable Variable 10.25% - 18.00%
Share Secured Visa Credit Card Fixed 8.75%

Rates current as of: February 23, 2019

*Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

Credit Card Agreement

Solicitation Disclosure

Initial Deposit/Minimum Balance Dividend Rate Annual Percentage Yield (APY)
$0.01 - $2,500 0.10% 0.10%
Over $2500 - $10,000 0.15% 0.15%
Over $10,000 - $25,000 0.195% 0.20%
Over $25,000 0.245% 0.25%

Rates current as of: February 23, 2019

This rate schedule states rates applicable to specified accounts. All rates subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. The annual percentage yield is accurate as of the last dividend declaration date.

See Truth in Savings Shares (PDF)

Account Type Dividend Rate Annual Percentage Yield (APY)
Business Share/Savings 0.075% 0.075%
Business Share Draft/Checking 0.01% 0.01%

Rates current as of: February 23, 2019

*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account. The annual percentage yield is accurate as of the last dividend declaration date. Please see Truth in Savings Disclosure for complete account details.

Term Minimum Open Deposit Dividend Rate % APY %
6 Month $1,000 0.295% 0.30%
12 Month $1,000 0.745% 0.75%
18 Month $1,000 1.14% 1.15%
24 Month $1,000 1.24% 1.25%
30 Month $1,000 1.29% 1.30%
36 Month $1,000 1.49% 1.50%

Rates current as of: February 23, 2019

*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. A penalty will be applied for early withdrawal.

See Truth in Savings Certificates (PDF)

Product Term Annual Percentage Rate (APR)1
Personal Variable As low as 9.49%

Rates current as of: February 23, 2019

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

Term Annual Percentage Rate (APR)1 Example2
36 Months Rates as low as 3.99% $29.52
48 Months Rates as low as 3.99% $22.57
60 Months Rates as low as 3.99% $18.41
72 Months Rates as low as 3.99% $15.64
84 Months Rates as low as 5.79% $14.51
96 Months Rates as low as 5.84% $13.06
108 Months Rates as low as 5.90% $11.96
120 Months Rates as low as 6.79% $11.50

Rates current as of: February 23, 2019

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Recreation loan rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

2. Example is based on payment per $1,000.

Product Type Annual Percentage Rate (APR)1
Fresh Start Auto Loan 16.99%

Rates current as of: February 23, 2019

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. For more information, contact the loan department.

Product Type Term Interest Rate Annual Percentage Rate (APR)3 Example
HELOC - Adjustable Rate4 10 Years As low as 5.50% As low as 5.50% --

Rates current as of: February 23, 2019

1. Please review the Home Equity Line of Credit Early Disclosure and What You Should Know About HELOC Disclosure.

2. Up to 90% LTV with DGU Equity Protection Program. Higher rates may apply. Subject to approval.

3.  Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

4. Interest only payments. Rate is based on PRIME rate and floats daily.

Product Type Term Interest Rate Annual Percentage Rate (APR)1 Example2
Construction - Fixed Rate3 12 Month 5.25% 7.623% $85.72
Land - Fixed Rate 5 Year 5.60% 6.132% $19.15
Land - Fixed Rate 10 Year 6.10% 6.389% $11.15

Rates current as of: February 23, 2019

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

3. Construction rate is fixed for a twelve-month building period; Construction loans may be modified to a mortgage product after a 12-month period. A balloon payment for $1,086.65 would be due based on payment example if the construction loan is not modified to a mortgage loan.

Product Type Term Interest Rate Annual Percentage Rate (APR)2 Example3
Home Equity - Fixed Rate 5 Years As low as 5.15% As low as 5.67% $18.94
Home Equity - Fixed Rate 10 Years As low as 5.50% As low as 5.78% $10.85
Home Equity - Fixed Rate 15 Years As low as 5.65% As low as 5.849% $8.25

Rates current as of: February 23, 2019

1. Up to 100% LTV with DGU Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000 .

Note: “APY” stands for Annual Percentage Yield. These accounts earn interest at a variable rate. APY is accurate as of February 23, 2019. These rates may change at any time without prior notice. Fees could reduce earnings on the account.