Rates

CODs

Term Minimum APR* APY*
3 month $1,000.00 0.15% 0.15%
6 month $1,000.00 0.20% 0.20%
1 year $1,000.00 0.40% 0.40%
18 month $1,000.00 0.50% 0.50%
2 year $1,000.00 0.60% 0.60%
30 month $1,000.00 0.65% 0.65%
3 year $1,000.00 0.75% 0.75%
4 year $1,000.00 0.90% 0.90%
5 year $1,000.00 1.24% 1.25%
1 year IRA $500.00 0.40% 0.40%
18 month IRA $500.00 0.50% 0.50%
2 year IRA $500.00 0.60% 0.60%
30 month IRA $500.00 0.65% 0.65%
3 year IRA $500.00 0.75% 0.75%
4 year IRA $500.00 0.90% 0.90%
5 year IRA $500.00 1.24% 1.25%

Rates for Traditional, Roth and Education IRAs are the same

Rates and Annual Percentage Yields are accurate as of August 10th, 2017.  For more information about fees and terms, please contact a Member Services representative at 205-226-3900.

*Annual Percentage Rate

*Annual Percentage Yields

Savings/Deposit

Minimum
ADB* to earn
Dividends
Prospective
Dividend
Rate
Annual
Percentage
Yield
Share Savings $100.00
Tier 1-$100,000.00 or more 0.40% 0.40%
Tier 2-$75,000.00 – $99,999.99 0.30% 0.30%
Tier 3-$40,000.00 – $74,999.99 0.25% 0.25%
Tier 4-$10,000.00 – $39,999.99 0.20% 0.20%
Tier 5-$100.00 – $9,999.99 0.15% 0.15%
Tier 6-$0.00 – $99.99 0.00% 0.00%
Club Savings $100.00
Tier 1-$100,000.00 or more 0.40% 0.40%
Tier 2-$75,000.00 – $99,999.99 0.30% 0.30%
Tier 3-$40,000.00 – $74,999.99 0.25% 0.25%
Tier 4-$10,000.00 – $39,999.99 0.20% 0.20%
Tier 5-$100.00 – $9,999.99 0.15% 0.15%
Tier 6-$0.00 – $99.99 0.00% 0.00%
IRA Club No Minimum Balance 0.40% 0.40%
Money Market Magic $1000.00
Tier 1-$100,000.00 or more 0.40% 0.40%
Tier 2-$ 40,000.00-$ 99,999.99 0.30% 0.30%
Tier 3-$  2,500.00-$ 39,999.99 0.20% 0.20%
Tier 4-$1,000.00-$2,499.99 0.00% 0.00%
Checking
(Truncated and Non-truncated)
$500.00 0.10% 0.10%

All accounts listed above are variable rate accounts.  Rates on these accounts are subject to change and additional qualifications, terms, and transaction limitations may apply.  Annual percentage yields may vary based on actual account balances.

*Average Daily Balance

Loans

Type of Loan APR* Maximum
Loan Amount
Maximum Term
New Auto (Current or up to 2 yrs. old), Passenger,Custom, Cargo Vans, Pickups 36 Months: As low as 2.14%
48 Months: As low as 2.24%
60 Months: As low as 2.54%
72 Months: As low as 3.04%
(Over $18,000)
84 Months: As low as 3.54%
(Available to
Qualifying Members Only,
Over $25,000)
MSRP (Manufacturer’s Suggested Retail Price) Verification of 6-month
Collision Insurance
Coverage
84 months
Used Auto (3 model years to 6 model years old), Passenger,
Custom/Cargo Vans, Pickups. Models listed
currently at NADA.
36 Months: As low as 2.79%
48 Months: As low as 3.09%
60 Months: As low as 3.39%
75 Months: As low as 3.69%
100% of NADA
Retail Value
75 months
Used Auto (7 model years or older), Passenger,
Custom/Cargo Vans, Pickups. Models listed
currently at NADA.
36 Months: As low as 3.49%
48 Months: As low as 3.79%
90% of NADA
Retail Value
48 months
New Motor Homes Up to 120 Months: As low as 3.64%
(Maximum $80,000)
90% of List Price 120 months
New Travel Trailers – Never registered, regardless of yr or current model yr refinanced within 60 days of purchase. Up to 120 Months: As low as 3.64%
(Maximum $70,000)
85% of List Price 120 months
Used Motor Homes. Models
listed currently at NADA.
Up to 120 Months: As low as 3.84%
(Maximum $60,000)
NADA used retail value 120 months
Used Travel Trailers Models
listed in current NADA Guide
Up to 84 Months: As low as 3.84%
(Maximum $60,000)
NADA used retail value
May Require Appraisal
84 months
New Motorcycle. Never
registered, regardless
of year.
Up to 72 Months: As low as 3.54% Current Model Year 72 months
Used Motorcycle Up to 60 Months: As low as 4.04% 100% of NADA
Retail Value
60 months
Shares Pledged 0-60 Months: 4.00% Shares = to loan balance 60 months
Certificate of Deposit 2% Above Rate
(Minimum 4.00%)
100% of Certificate minus the amount of interest due on One Payment Loans Maturity Date of CD
CoMaker 48 Months: As low as 11.90% $5,000.00 48 months
New Boats, Personal Watercraft Never registered, regardless of year, of current model
year refinanced within 60 days of purchase
Up to 72 Months: As low as 3.34% 72 months
Used Boats & Personal
Watercraft
60 Months: As low as 3.84% NADA Average Retail
May Require Appraisal
60 months
New Furniture 36 Months: As low as 9.25% $10,000.00 36 months
Signature
(Closed End)
As low as 10.00% $10,000.00 24 months

36 months

48 months

Signature
(Open End-PSL)
As low as 11.95% $10,000.00 Open
Signature
(Overdraft Protection)
As low as 12.90% Open
Signature
(Single-Payment)
As low as 9.95% $10,000.00 3 months

– All rates expressed as Annual Percentage Rate (APR) and are subject to change without notice.  Please call our Loan Department at (205) 226-3900 for current rates.  We are an Equal Housing and Equal Opportunity Lender.
– Rates are current as of August 10th, 2017.
– Consumer Loan Rates

*Annual Percentage Rate

** Down Payment Requirement – N/A

VISA Credit Card

Type of Card APR* Grace Period Annual Fees
Platinum Preferred w/ ScoreCard Bonus Points Intro Rate: 4.99% for first 6 months; after that 9.50% 25 days None
Platinum w/ ScoreCard Bonus Points 11.95% 25 days None
Classic 16.8% 25 days None

*Annual Percentage Rate

Mortgage Loan

Real Estate  Rate* Term
First Mortgage 5 year fixed 3.75% 60 months
First Mortgage 10 year fixed 4.10% 120 months
First Mortgage 15 year fixed 4.25% 180 months
First Mortgage 5 year fixed 3.75% (30 Year Rate fixed for first 5 years then adjustable)
First Mortgage 5 year fixed (100% Financing**) 4.75% (30 Year Rate fixed for first 5 years then adjustable)
First Mortgage 7 year fixed 3.90% (30 Year Rate fixed for first 7 years then adjustable)
First Mortgage 10 year fixed 4.05% (30 Year Rate fixed for first 10 years then adjustable)
Quick Equity Loan Fixed (1st or 2nd Mortgage) 5.25% 84 months
2nd Mortgage Fixed 6.25% Up to 180 months
HELOC 4.00% Variable 180 months

*Please call the Mortgage Department for current Mortgage Rates at 205-226-3902 (Rates are listed as low as)
**eCO finances 100% of the sales price, up to the appraised value.
No cash out.