APY = Annual Percentage Yield. Rates effective April 1st, 2024. Fees may reduce earnings.
Loans
| Type |
Interest Rate |
Term |
| Mortgage & Home Loans |
Contact Us |
Please call 662-434-6052, opt 3 |
| Share Secured |
2.00% above dividend rate
on pledged shares
|
up to 120 Months |
| Credit Builder |
12.00% |
12 Months |
| Signature |
8.00% - 17.00% |
up to 60 Months |
| Credit Card |
6.90% - 16.90% |
Revolving |
| Auto |
5.00% - 17.00% |
up to 84 Months |
| Motorcycle |
5.50% - 13.00% |
up to 84 Months |
| Boat |
5.50% - 13.00% |
up to 84 Months |
|
Tractor & Farm Equipment
|
5.50% - 13.00% |
up to 84 Months |
| ATV & Personal Watercraft |
5.50% - 13.00% |
up to 72 Months |
| RV & Camper |
5.50% - 13.00% |
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 highest 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 4/1/2024
| 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.
