Large enough to serve you,
small enough to KNOW you.

Rates valid as of 2019

Share Rates

Account Type	Minimum Balance	APR/Y	Statement Cycle
Regular Shares (Savings)	$50.00 $10,000.00	0.50% 0.75%	Quarterly
Share Draft (Checking)	$300.00	0.05%	Monthly
Gold Checking*	$2,000.00-$15,000.00 $15,000.01	3.00% / 3.03% 0.05%	Monthly
Christmas Club	$10.00	0.50%	Quarterly
Vacation Club	$10.00	0.50%	Quarterly
Kids Club	None	0.50%	Quarterly
*Gold Checking is offered for members age 55 and over. Dividends are earned when the following criteria are met each statement cycle: Maintain minimum balance of $2,000 Have at least one direct deposit Have at least 6 debits per month (branch cash withdrawals do not qualify)

Certificate Rates

We have great rates on both short and long-term CDs. Please give us a call at (662) 890-8760 for our most current rates.

IRA Rates
Traditional, Roth, or Coverdell

Rate Description	Shares	6 Months	12 Months	18 Months	60 Months (Special)
IRA Shares	0.75% APR/APY Dividends Paid Quarterly	-	-	-	-
IRA Certificate	-	0.50% APR/APY	1.25% APR / 1.25% APY	1.50% APR / 1.51% APY	-
Jumbo Certificate ≥ $50,000	-	-	1.50% APR / 1.51% APY	1.50% APR / 1.51% APY	2.00% APR / 2.02% APY
Shares and Certificates are available with Traditional, Roth, or Coverdell and are designated as such when the account is opened.

Consumer Loan Rates*

Rate Description	Term	Payment	APR	APR Type
Auto Loans*
Auto - New & 1 Year Old	Up to 36 Months	Monthly	As low as 2.99%*	Fixed
	37 - 60 Months	Monthly	As low as 3.59%*	Fixed
	61 - 72 Months	Monthly	As low as 3.99%*	Fixed
Auto - Used 2-3 Years	Up to 60 Months	Monthly	As low as 4.99%*	Fixed
Auto - Used 4-6 Years	Up to 54 Months	Monthly	As low as 5.99%*	Fixed
Auto - Used > 6 Years	Up to 42 Months	Monthly	As low as 7.99%*	Fixed
New - Motorcycles/Boats/ Tractors/Trailers/Campers	Up to 66 Months	Monthly	As low as 5.50%*	Fixed
Used - Motorcycles/Boats/ Tractors/Trailers/Campers	Up to 66 Months	Monthly	As low as 6.50%*	Fixed
Secured/Personal/Signature Loans*
Share Secured	Up to 2 Years	Monthly	5.50%*	Fixed
CD Secured	CD Term	Monthly	CD Rate + 3.00%*	Fixed
Personal / Signature	Up to 36 Months	Monthly	8.95% - 17.95%*	Fixed
Mortgage Loan Rates*
First Mortgage	5 Year ARM	Monthly	CALL FOR RATE	Variable
Unimproved Property	5 Year ARM	Monthly	CALL FOR RATE	Variable
HELOC	7 Year Draw / 10 Year Payback	Monthly	Prime	Variable
*Loan rates based on credit score(s) and must meet normal loan qualifications.

Call the credit union at (888) 419-7723 for the latest rates information. Contact the credit union to find out if there are any fees on these accounts that could affect your payments.