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Deposit Rates

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Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Value Plus Money Market Daily Acct

Less Than 1,000.00

0.05

Money Market Balance

1,000-4,999.99

0.10

Money Market Balance

5,000-9,999.99

0.10

Money Market Balance

10,000-24,999.99

0.15

Money Market Balance

25,000-49,999.99

0.25

Money Market Balance

50,000-99,999.99

0.40

Money Market Balance

100,000-249,999.99

0.50

Money Market Balance

250,000 and over

0.60

Regular Share Acct

5.00 Minimum Balance

0.10

Value Plus Christmas Club

0 Minimum Balance

0.15

Value Plus Vacation Club

0 Minimum Balance

0.15

Checking Rates

Checking Type

Minimum Opening Deposit

APY*

Prestige Checking Acct**

50.00

0.05

Six Star Checking Acct***

50.00

0.75

Certificate Rates

Certificate Type

Regular Certificate

($1,000 - $49,999.99)

Jumbo Certificate

($50,000 or more)

3 Month Certificate (quarterly dividends)

0.40% APY*

0.50% APY*

6 Month Certificate (monthly dividends)

0.70% APY*

0.80% APY*

6 Month Certificate (quarterly dividends)

0.70% APY*

0.80% APY*

9 Month Certificate (quarterly dividends)

0.95% APY*

1.05% APY*

12 Month Certificate (monthly dividends)

1.31% APY*

1.41% APY*

12 Month Certificate (quarterly dividends)

1.31% APY*

1.41% APY*

18 Month Certificate (monthly dividends)

1.41% APY*

1.51% APY*

18 Month Certificate (quarterly dividends)

1.41% APY*

1.51% APY*

24 Month Certificate (monthly dividends)

1.51% APY*

1.61% APY*

24 Month Certificate (quarterly dividends)

1.51% APY*

1.61% APY*

2nd Chance 24 Month Certificate (quarterly dividends)

1.31% APY*

1.41% APY*

30 Month Certificate

1.71% APY*

1.71% APY*

36 Month Certificate

1.71% APY*

1.71% APY*

48 Month Certificate

1.91% APY*

2.02% APY*

2nd Chance 48 Month Certificate (quarterly dividends)

1.61% APY*

1.71% APY*

5 Year Certificate

2.02% APY*

2.12% APY*

For a Limited Time Only:

13 Month Certificate Special ($1,000 minimum) Murfreesboro Branch Only. New Money Only. One Certificate Per Person.

2.02% APY*

N/A

28 Month Certificate Special ($1,000 minimum)

2.42% APY*

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Value Plus Certificate Rates

Certificate Type

Minimum Balance

APY*

Value Plus 6 Month Certificate

$500

0.70% APY*

IRA Rates

IRA Type

Regular IRA

($1,000 - $49,999.99)

Jumbo IRA

($50,000 or more)

IRA 12 Month Certificate

1.31% APY*

1.41% APY*

IRA 18 Month Certificate

1.41% APY*

1.51% APY*

IRA 24 Month Certificate

1.51% APY*

1.61% APY*

IRA 36 Month Certificate

1.71% APY*

1.81% APY*

IRA 48 Month Certificate

1.91% APY*

2.02% APY*

IRA 5 Year Certificate

2.02% APY*

2.12% APY*

Roth IRA 12 Month Certificate

1.31% APY*

1.41% APY*

Roth IRA 18 Month Certificate

1.41% APY*

1.51% APY*

Roth IRA 24 Month Certificate

1.51% APY*

1.61% APY*

Roth IRA 36 Month Certificate

1.71% APY*

1.81% APY*

Roth IRA 48 Month Certificate

1.91% APY*

2.02% APY*

Roth IRA 5 Year Certificate

2.02% APY*

2.12% APY*

Coverdell Education 12 Month Certificate

2.02% APY*

2.12% APY*

Coverdell Education 18 Month Certificate

1.41% APY*

1.51% APY*

Coverdell Education 24 Month Certificate

1.51% APY*

1.61% APY*

Coverdell Education 36 Month Certificate

1.71% APY*

1.81% APY*

Coverdell Education 48 Month Certificate

1.91% APY*

2.02% APY*

Coverdell Education 5 Year Certificate

2.02% APY*

2.12% APY*

For a Limited Time Only:

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

IRA Variable Rates

Certificate Type

Minimum Balance

APY*

IRA Variable Acct**

$100

0.10% APY*

Roth IRA Variable Acct**

$100

0.10% APY*

Coverdell Education Savings Variable Acct

No minimum balance required

0.10% APY*