person using bank card

Rates

APY = Annual Percentage Yield. Rates effective May 30th, 2023. Fees may reduce earnings.



Loans
Type Interest Rate Term
Mortgage & Home Loans Contact Us Please call 662-434-6052, opt 3
Share Secured 3.99% - 5.49% up to 120 Months
Credit Builder 9.99% up to 12 Months
Savings Builder 9.99% up to 12 Months
Signature 7.90% - 16.90% up to 60 Months
Credit Card 6.90% - 16.90% Revolving
Auto & Motorcycle 4.99% - 13.99% up to  84 Months
Boat & Personal Watercraft  4.99% - 16.49% up to 120 Months
Tractor & Lawn Mower 4.99% - 16.49% up to 120 Months
ATV & 4-Wheeler 4.99% - 16.49% up to 120 Months
RV & Camper 4.99% - 16.49% up to 120 Months
Portable Buildings 4.99% - 16.49%
up to 120 Months
Storm Shelter 4.99% - 16.49%
up to 120 Months

The interest rate categories listed above apply to all members who qualify for a loan with the credit union. A member's category is determined by credit ratings and other criteria. In the case of joint applications, the primary applicant's credit score will be used. The following categories and accompanying interest rates do not represent final approval of a loan request, but rather to serve as a guide to determine the interest rate a member will be charged for a loan. The credit union retains final authority to approve or deny a member's loan request. All rates are subject to change without notice. For updated information, please contact the credit union at (662) 434-6052.

All rates are stated as an Annual Percentage Rate.


Share Certificate Rates are current as of 9/1/2023
Term Dividend Rate APY Minimum Deposit to Open Dividends Compounded & Paid
6 Month JUMBO** 4.00% 4.00% $50,000 At Maturity
12 Months** 4.00% 4.00% $10,000 Quarterly
18 Months** 4.00% 4.00% $1,000 Quarterly
24 Months** 3.25% 3.25% $1,000 Quarterly
36 Month** 3.25% 3.25% $1,000 Quarterly


**Penalty will be imposed for early withdrawal.


Share Dividends
Type Dividend Rate APY Minimum Deposit to Open Dividends Compounded & Paid
IRA*+ 0.75% 0.75% $500 Quarterly
ROTH IRA*+ 1.00% 1.00% $500 Quarterly
Regular Share Savings*+ 0.05% 0.05% $1 Quarterly on average daily balance of $100 or more
Christmas Club*+ 0.05% 0.05% $25 Quarterly on average daily balance of $100 or more
Checking*+ 0.05% 0.05% $24 Monthly on average daily balance of $500 or more***

*As of last Quarter
**Penalty will be imposed for early withdrawal.
***Fees could reduce the earnings on this account.
+The dividend rate and APY may change every quarter, as determined by the credit union's Board of Directors.