We take pride in our tradition of providing personal, friendly yet professional, and timely service, coupled with competitive and reasonable rates and fees. Included here are both Personal and Business account rates.
Also, view our Fees.
| Account Type | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|
| Share Savings | 0.15% | 0.15% |
| Club Savings | 0.15% | 0.15% |
Rates current as of March 18, 2026
*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account. The annual percentage yield is accurate as of the last dividend declaration date.
| Product Type | Term | Interest Rate | Annual Percentage Rate (APR)1 | Example2 |
|---|---|---|---|---|
| Mortgage - Fixed Rate | 5 Year | as low as 5.00% | 5.534% | $18.87 |
| Mortgage - Fixed Rate | 10 Year | as low as 5.25% | 5.535% | $10.73 |
| Mortgage - Fixed Rate | 15 Year | as low as 5.50% | 5.703% | $8.17 |
| Mortgage - Fixed Rate | Longer terms | Call for details | Call for details | -- |
| Mortgage - Adjustable Rate 3 | 1 Year ARM | as low as 5.50% | 6.119% | $5.68 |
| Mortgage - Adjustable Rate 3 | 3 Year ARM | as low as 5.50% | 6.027% | $5.68 |
| Mortgage - Adjustable Rate 3 | 5 Year ARM | as low as 5.75% | 6.046% | $5.84 |
| Mortgage - Adjustable Rate 3 | 7 Year ARM | as low as 5.80% | 6.033% | $5.87 |
| Mortgage - Adjustable Rate 3 | 10 Year ARM | as low as 6.00% | 6.125% | $6.00 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.
2. Example is based on payment per $1,000 for loan amount of $150,000.
3. APR can increase or decrease after the initial ARM term.
5. All 1st Mortgage Jumbo Loans Fixed and ARM over $832,750.00 add .75% to the interest rate which will affect the APR.
| Product | Term | Annual Percentage Rate (APR) 1 | Example 2 |
|---|---|---|---|
| Auto | 36 Month | As low as 4.79% | $29.88 |
| Auto | 48 Month | As low as 5.05% | $23.05 |
| Auto | 60 Month | As low as 5.05% | $18.89 |
| Auto | 72 Month | As low as 5.05% | $16.13 |
| Auto | 84 Month | As low as 5.05% | $14.16 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.
2. Example is based on payment per $1,000.
| Product | Term | Annual Percentage Rate (APR) * |
|---|---|---|
| Visa Credit Card | Variable | Variable 11.75% - 18.00% |
| Share Secured Visa Credit Card | Fixed | 8.75% |
Rates current as of March 18, 2026
*Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.
| Initial Deposit/Minimum Balance | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|
| $0.01 - $2,500 | 0.25% | 0.25% |
| Over $2500 - $10,000 | 0.25% | 0.25% |
| Over $10,000 - $25,000 | 0.99% | 1.00% |
| Over $25,000 | 1.24% | 1.25% |
Rates current as of March 18, 2026
*This rate schedule states rates applicable to specified accounts. All rates subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. The annual percentage yield is accurate as of the last dividend declaration date.
| Account Type | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|
| Business Share/Savings | 0.15% | 0.15% |
| Business Share Draft/Checking | 0.05% | 0.05% |
Rates current as of March 18, 2026
*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account. The annual percentage yield is accurate as of the last dividend declaration date.
| Product | Term | Annual Percentage Rate (APR) 1 |
|---|---|---|
| Personal | Variable | As low as 9.99% |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.
| Term | Annual Percentage Rate (APR) 1 | Example 2 |
|---|---|---|
| 36 Months | Rates as low as 4.79% | $29.88 |
| 48 Months | Rates as low as 5.05% | $23.05 |
| 60 Months | Rates as low as 5.05% | $18.89 |
| 72 Months | Rates as low as 5.05% | $16.13 |
| 84 Months | Rates as low as 5.10% | $14.18 |
| 96 Months | Rates as low 5.60% | $12.95 |
| 108 Months | Rates as low as 6.00% | $12.01 |
| 120 Months | Rates as low as 6.40% | $11.30 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Recreation loan rates are based on creditworthiness and age of collateral. For more information, contact the loan department.
2. Example is based on payment per $1,000.
| Product Type | Annual Percentage Rate (APR) 1 |
|---|---|
| Fresh Start Auto Loan | 16.24% |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. For more information, contact the loan department.
| Product Type | Term | Interest Rate | Annual Percentage Rate (APR) 1 | Example 2 |
|---|---|---|---|---|
| Construction - Fixed Rate 3 | 12 Month | as low as 6.50% | as low as 9.048% | $86.30 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.
2. Example is based on payment per $1,000 for loan amount of $150,000.
3. Construction rate is fixed for a twelve-month building period; Construction loans may be modified to a mortgage product after a 12-month period. A balloon payment for $1,085.38 would be due based on payment example if the construction loan is not modified to a mortgage loan.
| Product Type | Term | Interest Rate | Annual Percentage Rate (APR) 1 | Example 2 |
|---|---|---|---|---|
| Home Equity - Fixed Rate | 5 Years | as low as 5.99% | as low as 6.546% | $19.33 |
| Home Equity - Fixed Rate | 10 Years | as low as 6.24% | as low as 6.539% | $11.22 |
| Home Equity - Fixed Rate | 15 Years | as low as 6.74% | as low as 6.958% | $8.84 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.
2. Example is based on payment per $1,000 for loan amount of $150,000.
| Account Type | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|
| Checking | 0.05% | 0.05% |
| Tenn Plus Checking | 0.05% | 0.05% |
Rates current as of March 18, 2026
*Annual Percentage Yield is accurate as of the date mentioned above. This account earns interest at a variable rate. These rates may change at any time without prior notice. Fees could reduce earnings on the account. The annual percentage yield is accurate as of the last dividend declaration date.
| Product Type | Term | Interest Rate | Annual Percentage Rate (APR) 1 | Example 2 |
|---|---|---|---|---|
| Land - Fixed Rate | 5 Year Fixed | as low as 6.70% | as low as 7.272% | $19.66 |
| Land - Fixed Rate | 10 Year Fixed | as low as 6.85% | as low as 7.159% | $11.53 |
| Land - Fixed Rate | 15 Year Fixed | as low as 7.15% | as low as 7.374% | $9.07 |
Rates current as of March 18, 2026
1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.
2. Example is based on payment per $1,000 for loan amount of $150,000.
| Product Type | Term | Interest Rate | Annual Percentage Rate (APR) 3 | Example |
|---|---|---|---|---|
| HELOC - Adjustable Rate 4 | 10 Years | As low as 6.75% | -- | -- |
Rates current as of March 18, 2026
1. Up to 90% LTV with Home Equity Protection Program. Higher rates may apply. Subject to approval.
2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.
3. Interest only payments. Rate is based on PRIME rate and floats daily.
| Term | Minimum Open Deposit | Dividend Rate % | APY %* |
|---|---|---|---|
| 3 Month | $1,000 | 0.25% | 0.25% |
| 6 Month | $1,000 | 1.49% | 1.50% |
| 7 Month Special** | $1,000 | 3.44% | 3.50% |
| 11 Month Special*** | $1000 | 3.44% | 3.50% |
| 12 Month | $1,000 | 1.49% | 1.50% |
| 18 Month | $1,000 | 1.74% | 1.75% |
| 24 Month | $1,000 | 1.74% | 1.75% |
| 30 Month | $1,000 | 1.98% | 2.00% |
| 36 Month | $1,000 | 1.98% | 2.00% |
Rates current as of March 18, 2026
*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. A penalty of an amount equal to 180 days’ dividends will be applied for early withdrawal.
**Automatically renews at maturity for a 6 month term at the then current 6 month share certificate interest rate.
***Automatically renews at maturity for a 12 month term at the then current 12 month share certificate interest rate.
| Term | Minimum Open Deposit | Dividend Rate % | APY %* |
|---|---|---|---|
| IRA Share Account | $0 | 0.15% | 0.15% |
| 6 Month | $1,000 | 1.49% | 1.50% |
| 7 Month Special** | $1,000 | 3.44% | 3.50% |
| 11 Month Special*** | $1000 | 3.44% | 3.50% |
| 12 Month | $1,000 | 1.49% | 1.50% |
| 18 Month | $1,000 | 1.74% | 1.75% |
| 24 Month | $1,000 | 1.74% | 1.75% |
| 30 Month | $1,000 | 1.98% | 2.00% |
| 36 Month | $1,000 | 1.98% | 2.00% |
Rates current as of March 18, 2026
*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. A penalty of an amount equal to 180 days’ dividends will be applied for early withdrawal.
**Automatically renews at maturity for a 6 month term at the then current 6 month share certificate interest rate.
***Automatically renews at maturity for a 12 month term at the then current 12 month share certificate interest rate.
Note: “APY” stands for Annual Percentage Yield. These accounts earn interest at a variable rate. APY is accurate as of March 18, 2026. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
