APY = Annual Percentage Yield

Rates effective as of 03/31/2016.

Fees may reduce earnings.

Loans

Type Interest Rate Term/Months
Share Secured 3.00%-4.00% 24-60
Credit Builder 9.99%-10.99% 9 or 12 Months
Signature 6.90%-18.00% 36-60
Credit Card 6.90%-16.90% Revolving
Auto, Motorcycle 2.99%-18.00% 36-84
Boat, RV, Camper, ATV 4.49%-8.99% 36-84

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 Dividends

TYPE DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM DEPOSIT TO OPEN DIVIDENDS COMPOUNDED AND PAID
182 Day
Certificate**
0.05 0.05 $5,000 At Maturity
12 Month
Certificate**
0.05 0.05 $1,000 Quarterly
18 Month
Certificate**
0.10 0.10 $1,000 Quarterly
24 Month
Certificate**
0.10 0.10 $1,000 Quarterly
Jumbo 182 Day
Money Market**
0.15 0.15 $50,000 Monthly
IRA*+ 0.75 0.75 $500 Quarterly
ROTH IRA*+ 1.25 1.25 $500 Quarterly
Regular share Savings *+ 0.10 0.10 $1 Quarterly on average daily balance of $100 or more
Christmas Club*+ 0.10 0.10 $25 Quarterly on average daily balance of $100 or more
Checking*+ 0.05 0.05 $24 Quarterly 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.

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