Our rates

You own this place. Our rates show it.

There are no shareholders here to pay. What the credit union earns goes back to members — lower rates when you borrow, higher yields when you save.

Rates effective April 8, 2026.

Loan Rates ↓Savings Rates ↓

Borrow

Loan rates

APR is the yearly cost of the loan. Lower is better.

Product	Term	Rate
Auto loans
Auto · up to 3 years oldUp to 100% of purchase price or book value	5 years	5.35 % APR*
	6 years	5.75 % APR*
	7 years	6.55 % APR*
Auto · 4–6 years oldUp to 90% of purchase price or book value	5 years	5.65 % APR*
	6 years	6.45 % APR*
	7 years	8.00 % APR*
Auto · 7+ years oldUp to 90% of purchase price or book value	4 years	5.50 % APR*
	5 years	5.85 % APR*
Recreational vehicles
New recreational vehicleUp to 100% of purchase price or book valueBoats, motorcycles, 4-wheelers, campers, wave-runners	5 years	6.65 % APR*
	6 years	6.95 % APR*
	7 years	7.35 % APR*
Used recreational vehicleUp to 90% of purchase price or book valueBoats, motorcycles, 4-wheelers, campers, wave-runners	5 years	7.55 % APR*
	6 years	7.65 % APR*
New motor homeUp to 90% of purchase price or book value	7 years	8.00 % APR*
Used motor homeUp to 80% of purchase price or book value	7 years	8.50 % APR*
Farm equipment
New farm equipmentUp to 100% of purchase price or book value	5 years	7.00 % APR*
Used farm equipmentUp to 80% of purchase price or book value	5 years	7.95 % APR*
Personal loans
Personal loan	3 years	14.00 % APR*
Personal loan under $1,000	18 months	14.00 % APR*
Share secured
Share securedVariable: 3% above the regular share rate. Fixed: 3.10% above, up to 3 years. Certificate secured loans are variable, 3% above the certificate rate.	Variable · any term	3.50 % APR*
	Fixed · up to 3 years	3.60 % APR*
Home equity
Home equitySix-month Treasury bill plus 3%. Call for today’s rate.	Variable	T-Bill +3.00 % APR*

*APR = Annual Percentage Rate. Rates shown are the lowest available and depend on credit, term, and collateral. Not all applicants will qualify. Rates are subject to change without notice. **We’ll match a lower rate on a comparable new loan offered by another local lender. To qualify, provide a written, dated offer or quote from the competing lender at the time of application. The offer must be for the same loan type, amount, and term, for a loan and lender you qualify for.

Save

Savings rates

APY is what your money earns in a year with compounding interest. Higher is better.

Product	You earn
Share Savings	0.50 % APY*
6-Mo Certificate	3.50 % APY*
12-Mo Certificate	3.80 % APY*
18-Mo Certificate	4.10 % APY*
15-Mo Certificate	3.95 % APY*
24-Mo Certificate	4.00 % APY*
36-Mo Certificate	3.30 % APY*
48-Mo Certificate	3.40 % APY*
60-Mo Certificate	3.50 % APY*

Rates effective April 8, 2026. *APY = Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings. A penalty may be imposed for early withdrawal on certificates.

Know your numbers

Try your own numbers

If you borrow

I want to borrow$20,000

For a

Paid back over

— a month

If you save

I put in$5,000

Into a

— after one year

Rates are half the story.

The other half is a person who picks up the phone. Call or come by — we'll walk through the numbers with you.

Call (256) 383-6551 Plan Your Visit

Monday–Friday, 8 to 5 · 1705 E. 17th Street, Sheffield, Alabama