HomeWhat's NewShared BranchesProducts & ServicesHometown SpiritOnline ServicesInfo DeskSitemap

Risk-Based    |    Deposit Accounts    |    Certificates / IRA Accumulation Accounts 

Rates are subject to change daily and without notice.  Call 931-484-9433, ext 120 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

YR 2010 - 2005 Auto's            YR 2010 - 2005 Street Motorcycles                   YR 2010 - 2005 Farm Tractors

YR 2010 - 2005 Boats     YR 2010 - 2005 Campers and Recreational Vehicles    YR 2010 - 2005 Farm Equip

YR 2002 - 2004 add 2.00% to the rates listed below.  YR 2001 and older are based on unsecured rates.

Loan Rates Subject to an 18.00% APR Rate Ceiling

Credit Rating A+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
36 months  (value under $30,000) 4.50 6.00 8.00 15.00 18.00
48 months  (value under $30,000) 4.75 6.25 8.25 15.00 18.00
60 months  (value under $30,000) 5.00 6.50 8.50 15.00 18.00
72 months  (value $30,000 to $50,000) 5.50 7.00 9.00 15.00 18.00
84 months  (value over $50,000) 6.00 7.50 9.50 15.00 18.00

 

Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649, 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 124 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!

 

Land or Land With Single Wide Mobile Home

Credit Rating A+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
60 months 5.00 7.00 8.00 9.00 10.00
84 months 6.25 7.25 8.25 9.25 10.25
120 months 6.50 7.50 8.50 9.50 10.50
144 months 6.75 7.75 8.75 9.75 10.75
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649, D = 550-599, E = 549 or less.

90 Day Term Note 

Credit Rating A+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
90 days 8.50 9.50 10.50 15.00 18.00

Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649, D = 550-599, E = 549 or less.

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 9.00 12.00 15.00 17.00 18.00
48 months 9.00 12.00 15.00 17.00 18.00
60 months 9.00 12.00 15.00 17.00 18.00

Share (Savings) Secured

Credit Rating A+
APR*
6 - 72 months 3.50

 Line Of Credit (Unsecured) 

MasterCard Credit Card
9.90% APR
Personal Line of Credit 9.90% APR
 

Variable Rate Home Equity Mortgage

Credit Rating A+
APR*
Rate changes on January 1st and July 1st  6.00

Rates are subject to change without notice.  Call 931-484-9433, extension 131 for current rates.
Deposit Accounts

Dividend Rate

APY* Term
Regular Shares and Wish Account Savings                              $ 1,000.00 - $4,999.99 0.250 0.250 n/a
Regular Shares and Wish Account  Savings                             $ 5,000.00 - $9,999.99 0.400 0.400 n/a
Regular Shares and Wish Account Savings                              $10,000.00 - $24,999.99  0.550 0.550 n/a
Regular Shares and Wish Account Savings                              $25,000.00 - $49,999.99 

0.750

0.750 n/a
Regular Shares and Wish Account Savings                              $50,000.00 and higher   1.000 1.000 n/a
2010 Christmas Club Account (if account is still open on 10/31/2010) $5 - $5,000 balance 3.000 3.000 n/a
       

*APY equals Annual Percentage Yield
Back to Top
 

   
Certificates / IRA Accumulation Accounts Dividend Rate APY* Term

3 month Term Certificate

0.500

0.500

   3

6 month Term Certificate

0.750

0.750

   6

12 month Term Certificate or 12 month Term IRA Certificate

1.000

1.000

 12

24 month Term Certificate or 24 month Term IRA Certificate

1.250

1.260

  24

36 month Term Certificate or 36 month Term IRA Certificate

1.500

1.510

  36

Individual Retirement Account (variable rate)                              $ 5   -  $ 24,999.99

1.000

1.000

  n/a

Individual Retirement Account (variable rate)                              $ 25,000  -  $ 49,999.99

1.250

1.260

 n/a

Individual Retirement Account (variable rate)                              $ 50,000  -  $ 74,999.99

1.500

1.510

n/a

Individual Retirement Account (variable rate)                              $ 75,000  -  $ 99,999.99

1.750

1.760

n/a

Individual Retirement Account (variable rate)                              $100,000.00 and higher

2.000

2.020 n/a

*APY equals Annual Percentage Yield
Back to Top
 

 
 

 

 

 

 

[ Home | Home | What's New | Shared Branches | Products & Services | Hometown Spirit | Online Services | Info Desk | Sitemap ]
Privacy Policy Notices, Terms, and Conditions | Design & Hosting by Harland Financial Solutions, Inc.
Browser Requirements | Copyright © Harland Financial Solutions, Inc. All Rights Reserved.
Equal Housing Lender, NCUA Insured
EBranch Rates Applications Loan Info Calculators Money Smarts