Risk-Based    |    Deposit Accounts    |    Certificates / IRA Accumulation Accounts  Rates are subject to change daily and without notice.  Call 931-484-9433, ext 29 for current rates. Less than 100,000 miles = NADA Retail Value 100,000-149,999 miles = NADA Trade-in Value 150,000 miles and over = Loan Value New & Used Auto's                   New and Used Street Motorcycles                                  New Farm Tractors New & Used Boats           New & Used Campers and Recreational Vehicles             New Farm Equipment Credit Rating A+ APR* A APR* B APR* C APR* D APR* 36 months  (value under $30,000) 4.75 6.00 9.00 11.00 13.00 48 months  (value under $30,000) 5.00 6.25 9.25 12.00 14.00 60 months  (value under $30,000) 5.25 6.50 9.50 13.00 15.00 72 months  (value $30,000 to $50,000) 6.25 7.50 10.50 14.00 N/A 84 months  (value over $50,000) 6.50 7.75 10.75 15.00 N/A Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Mortgage (Home Loans)  Mortgage rates can change daily.  To check out our GREAT Mortgage Rates call the Crossville staff at 931-484-9433 and dial extension 25 or call the Clarkrange office at 931-863-9433.  Several loan options are available according to how little you want to pay down on the mortgage.  Financing options range from 5 year balloon mortgages to 30 year mortgages.  Our staff are ready to help you through the home loan process! Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Land or Land With Single Wide Mobile Home Credit Rating A+ APR* A APR* B APR* C APR* D APR* 60 months 6.50 7.50 8.50 9.50 10.50 84 months 7.00 8.00 9.00 10.00 11.00 120 months 7.50 8.50 9.50 10.50 11.50 144 months 8.00 9.00 10.00 11.00 12.00 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   90 Day Term Note  Credit Rating A+ APR* A APR* B APR* C APR* D APR* 90 days 8.50 9.50 11.00 13.00 14.00 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Personal Loan      New 4-Wheeler or Motorcycle        New Lawn Mowers        Used Farm Equip Credit Rating A+ APR* A APR* B APR* C APR* D APR* 36 months 11.00 12.00 13.00 14.00 15.00 48 months 12.00 13.00 14.00 15.00 16.00 60 months 13.00 14.00 15.00 N/A N/A Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Share (Savings) Secured Credit Rating A+ APR* 6 - 72 months 5.50 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Variable Rate Home Equity Mortgage Credit Rating A+ APR* Rate changes on January 1st and July 1st  6.00 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Line Of Credit (Unsecured)  Credit Rating A+ APR* 36 months 9.90 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   UCFCU MasterCard Credit Rating A+ APR* A APR* B APR* C APR* D APR*   8.90 9.90 10.90 12.90 14.90 Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 640-679, C = 600-639, D = 550-599, E = 549 or less. Go To Loan Application | Go To Calculators | Back to Top   Rates are subject to change without notice.  Call 931-484-9433, extension 57 for current rates. Deposit Accounts Dividend Rate APY* Term Regular Shares and Wish Account Savings                              $   100.00 - $999.99 0.500 0.500 n/a Regular Shares and Wish Account Savings                              $ 1,000.00 - $4,999.99 0.600 0.600 n/a Regular Shares and Wish Account  Savings                             $ 5,000.00 - $9,999.99 0.700 0.700 n/a Regular Shares and Wish Account Savings                              $10,000.00 - $24,999.99  0.800 0.800 n/a Regular Shares and Wish Account Savings                              $25,000.00 - $49,999.99  1.000 1.000 n/a Regular Shares and Wish Account Savings                              $50,000.00 and higher   1.250 1.260 n/a 2008 Christmas Club Account (if account is still open on 10/31/2008)   $5 - $5,000 balance 4.000 4.000 n/a Choice Checking Account (daily balance of $600 required) (73) 0.250 0.250 n/a Rewards Club Checking Account (aggregate balance of $1,000 required) (70) 0.500 0.500 n/a *APY equals Annual Percentage Yield Back to Top   Rates are subject to change daily and without notice.  Call 931-484-9433, extension 57 for current rates. Certificates / IRA Accumulation Accounts Dividend Rate APY* Term 3 month Term Certificate 1.980 2.000    3 6 month Term Certificate 2.230 2.250    6 12 month Term Certificate or 12 month Term IRA Certificate 2.320 2.340  12 24 month Term Certificate or 24 month Term IRA Certificate 2.420 2.450   24 36 month Term Certificate or 36 month Term IRA Certificate 2.520 2.550   36 Individual Retirement Account (variable rate)                              $ 5   -  $ 24,999.99 1.980 2.000   n/a Individual Retirement Account (variable rate)                              $ 25,000  -  $ 49,999.99 2.230 2.250  n/a Individual Retirement Account (variable rate)                              $ 50,000  -  $ 74,999.99 2.470 2.500 n/a Individual Retirement Account (variable rate)                              $ 75,000  -  $ 99,999.99 2.720 2.750 n/a Individual Retirement Account (variable rate)                              $100,000.00 and higher balances 2.960 3.000  n/a *APY equals Annual Percentage Yield Back to Top