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member rates

Account Rates

Projected 1st Quarter 2025
Account Description APY
Regular Shares (savings)
$0.00 - $100.00
$101.00 - $10,000.00
$10,000.01 and up

0.00%
0.15%
0.20%
Share Drafts (checking) 0.15%
Christmas Club 0.15%
Vacation Club 0.15%
IRA (Individual Retirement Account) 1.00%
Subject to change without notice.



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Loan Rates

Loan Description Terms APR
Autos and Harley Davidson Motorcycles
New   <5,000 miles (never titled) up to 72 months 5.5%-18.0%
New   <5,000 miles (never titled - over $30,000) up to 84 months 6.0%-18.0%
Used Vehicles up to 60 months 6.5%-18.0%
Boats
New (Up to 100% of list) up to 60 months 9.0%-18.0%
Used (Up to 75% of average retail) up to 48 months 9.75%-18.0%
RVs, Mobile Homes, Campers, & Tractors
New up to 84 months 9.0%-18.0%
Used up to 60 months 9.75%-18.0%
Motorcycles
New (up to 100% of list) up to 80 months 9.0%-18.0%
Used (up to 75% of average retail) up to 60 months 9.75%-18.0%
Signature Loans
Signature Loan term given upon
credit union approval
9.9% - 18.0%
Share Secured Loans
Secured by Share Account up to 60 months 3% above current rate
Credit Card
VISA Credit Card - upon credit approval up to $10,000 10.9% - 16.9%
Subject to change without notice.

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1306 Hwy. 70 Bypass
Jackson, TN 38301
Phone: (731) 423-7499
Fax: (731) 935-7870

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Federally insured to at least $250,000 by the National Credit Union Administration.

EHL
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.