Rates

Real Estate Loans - Effective July 11, 2014

Type Rate As Low As... APR As Low As... Points Maximum Loan Amount
10 Year Fixed Rate Mortgage As low as 2.75% As low as 3.141% 0 $417,000
15 Year Fixed Rate Mortgage As low as 3.125% As low as 3.399% 0 $417,000
20 Year Fixed Rate Mortgage As low as 3.75% As low as 3.971% 0 $417,000
30 Year Fixed Rate Mortgage As low as 4.00% As low as 4.162% 0 $417,000
1 Year Adjustable Rate Mortgage As low as 1.875% As low as 2.945% 0 $417,000
3 Year Adjustable Rate Mortgage As low as 2.125% As low as 2.859% 0 $417,000
5 Year Adjustable Rate Mortgage As low as 2.625% As low as 2.937% 0 $417,000
7 Year Adjustable Rate Mortgage As low as 2.75% As low as 2.966% 0 $417,000
10 Year Adjustable Rate Mortgage As low as 3.00% As low as 3.10% 0 $417,000
15 Year Jumbo Fixed Rate Mortgage As low as 3.75% As low as 3.952% 0 $500,000
30 Year Jumbo Fixed Rate Mortgage As low as 4.625% As low as 4.748% 0 $500,000
Land Mortgage As low as 5.375% As low as 5.59% 0 $150,000
Construction/Permanent Mortgage—15 Year Fixed Rate Mortgage As low as 3.375% As low as 3.533% 0 $417,000
Home Equity Line of Credit (HELOC)   As low as 4.25%** 0 $150,000
See disclosures

APR = Annual Percentage Rate

All mortgage loans are subject to credit approval. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here. The rates listed above, do not take into consideration any possible adjustments based on changes to any of the loan parameters including loan-to-value (LTV), occupancy, loan amount, repayment feature, loan amount or loan term. Your rate may be different if there is subordinate financing or when loan parameters do not meet secondary market requirements. You must be an RFCU member to obtain a mortgage loan. Various types of mortgage loan programs and terms are available. Compare our real estate loans and learn how to apply.

Rates are subject to change at any time, without notice.

A typical purchase transaction example for a 1 Year ARM (30 year):
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $90,000 and a purchase price of $120,000 (assumes a 25% down payment) . The property is located in AL and is within Madison County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750. At a 2.0% initial interest rate with zero discount points, the APR for this loan type is 2.955%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 12 payments of $332.66 at an interest rate of 2.0%; 347 payments of $372.16 at an interest rate of 2.875%; 1 payment of $371.41 at an interest rate of 2.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The ARM has a monthly payment that may change over the term of the loan.

A typical purchase transaction example for a 3 Year ARM (30 year):
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $90,000 and a purchase price of $120,000 (assumes a 25% down payment). The property is located in AL and is within Madison County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750. At a 2.25% initial interest rate with zero discount points, the APR for this loan type is 2.887%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 36 payments of $344.02 at an interest rate of 2.25%; 323 payments of $370.75 at an interest rate of 2.875%; 1 payment of $372.81 at an interest rate of 2.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The ARM has a monthly payment that may change over the term of the loan.

A typical purchase transaction example for a 5 Year ARM (30 year):
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $90,000 and a purchase price of $120,000 (assumes a 25% down payment). The property is located in AL and is within Madison county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750. At a 2.75% initial interest rate with zero discount points, the APR for this loan type is 2.981%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $367.42 at an interest rate of 2.75%; 299 payments of $372.53 at an interest rate of 2.875%; 1 payment of $373.83 at an interest rate of 2.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The ARM has a monthly payment that may change over the term of the loan.

A typical purchase transaction example for a 7 Year ARM (30 year):
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $90,000 and a purchase price of $120,000 (assumes a 25% down payment). The property is located in AL and is within Madison County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750. At a 2.875% initial interest rate with zero discount points, the APR for this loan type is 3.025%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 359 payments of $373.40 at an interest rate of 2.875%; 1 payment of $375.34 at an interest rate of 2.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The ARM has a monthly payment that may change over the term of the loan.

A typical purchase transaction example for a 10 Year ARM (30 year):
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $90,000 and a purchase price of $120,000 (assumes a 25% down payment). The property is located in AL and is within Madison County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 750. At a 3.125% initial interest rate with zero discount points, the APR for this loan type is 3.178%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 120 payments of $375.54 at an interest rate of 3.125%; 239 payments of $376.93 at an interest rate of 2.875%; 1 payment of $378.16 at an interest rate of 2.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The ARM has a monthly payment that may change over the term of the loan.

A typical purchase transaction example for for 30 Year/20 Year/15 Year/10 Year mortgages (assumes a 25% down payment):
For a $90,000 30-Year Fixed Rate Mortgage at 4.125% with zero discount points, the APR is 4.29%. The monthly payment schedule would be 359 payments at $436.18 and 1 final payment of $439.50. For a $90,000 20-Year Fixed Rate Mortgage at 3.875% with zero discount points, the APR is 4.099%. The monthly payment schedule would be 239 payments at $539.47 and 1 final payment of $540.42. For a $90,000 15-Year Fixed Rate Mortgage at 3.25% with zero discount points , the APR is 3.527%. The monthly payment schedule would be 179 payments at $632.40 and 1 final payment of $632.77. For a $90,000 10-Year Fixed Rate Mortgage at 2.875% with zero discount points, the APR is 3.27%. The monthly payment schedule would be 119 payments at $863.86 and 1 final payment of $864.31. If the down payment is less than 20 percent, private mortgage insurance (PMI) will be required, which could increase the APR.

A typical purchase transaction example for 30 year/15 year Jumbo mortgages: (assumes a 32% down payment)
For a $425,000 30-Year Fixed Rate Mortgage at 4.75% with zero discount points, the APR is 4.875%. The monthly payment schedule would be 359 payments at $2,217.00 and 1 final payment of $2,218.08. For a $425,000 15-Year Fixed Rate Mortgage at 3.875% the APR is 4.08%. The monthly payment schedule would be 179 payments at $3,117.12 and 1 final payment of $3,1616.60. If the down payment is less than 20 percent, private mortgage insurance (PMI) will be required, which could increase the APR.

A typical purchase transaction example for 10 Land mortgages:
A 10-year, 5.375% fixed rate land loan, with 0 points, in the amount of $120,000 with a 25% down payment, has an APR of 5.748%, which includes a tax service fee and 30 days pre-paid interest, will result in 119 payments of $971.17 and 1 payment of $971.42. Bi-weekly payments are not available.

A typical purchase transaction example for 15Year Construction/Perm mortgages (assumes a 25% down payment):
For a $90,000 15-Year Fixed Rate Construction/Perm Mortgage at 3.5% with zero discount points, the APR is 3.738%. The monthly payment schedule would be 6 payments at $262.50; 179 payments of $643.39; and 1 final payment of $644.39. If the down payment is less than 20 percent, private mortgage insurance (PMI) will be required, which could increase the APR.

For Home Equity Line Of Credit (HELOCs):
** The ANNUAL PERCENTAGE RATE will be determined by a loan rate index and a margin. The loan rate index is the US Prime Rate as published in the Wall Street Journal on the last business day of each month and is subject to change (increase or decrease) monthly thereafter if the index changes. This rate may vary. However, your initial ANNUAL PERCENTAGE RATE is based on an evaluation of your credit. The minimum APR is 4.25% and the maximum APR is 18% or the maximum allowed by law, whichever is less.

$10,000 to $150,000 equity lines up to 100% of Total Loan-To-Value (TLTV) for owner occupied property or 75% of TLTV for non-owner occupied. A payment will be due on the 15th of each month in the amount of 1.5% of your outstanding loan balance or $100.00, whichever is greater, or the entire outstanding balance if it is $100.00 or less. Minimum payments may not repay the outstanding balance on the HELOCs. If not, you will be required to pay the entire balance in a single payment upon loan maturity (15 years from the loan Agreement for owner occupied or 12 years from the loan Agreement for non-owner occupied). Property insurance is required. Closing costs are paid by RFCU.

Auto Loans - Effective July 1, 2014

Type Fixed APR As Low As... Maximum Amount Financed
New Car 2.45% Up to 100% of Purchase Price
Used Car 2.45% Up to 100% of NADA Book Value
See disclosures
  • Purchase Price: MSRP + Dealer Adds (warranty, tax, title, doc, maintenance, road hazard, etc)
  • NADA Book Value: NADA highest value +/- options +/- mileage
  • Advances secured by new or used collateral are subject to the collateral's value at the time of the advance
  • Rates for this Product are determined by an evaluation of applicant credit and your actual rate may vary from the rate shown
  • Rate after Redstone MemberPlus! discount applied. Must have RFCU checking to qualify for Redstone MemberPlus! rate.

Recreational Vehicle Loans - Effective July 1, 2014

Type Fixed APR As Low As... Maximum Amount Financed
New/Used Boat, Motor,
& Trailer
5.00% Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
New/Used RV 5.30% Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
Motorcycles, ATVs, & Jet Skis with Trailers 3.75% Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
New/Used Harley-Davidsons 3.75% Up to 100% of Purchase Price for New or Up to 100% of NADA Book Value for Used
See disclosures
  • 25 ft & over or 5 net tons require a Marine Mortgage Trailer may be omitted when dry/wet docked
  • Purchase Price: MSRP + Dealer Adds (warranty, tax, title, doc, maintenance, road hazard, etc)
  • NADA Book Value: NADA highest value +/- options +/- mileage
  • Advances secured by new or used collateral are subject to the collateral's value at the time of the advance
  • Rates for this Product are determined by an evaluation of applicant credit and your actual rate may vary from the rate shown
  • Rate after Redstone MemberPlus! discount applied. Must have RFCU checking to qualify for Redstone MemberPlus! rate.
  • For recreational purposes only

Other Personal Loans - Effective July 1, 2014

Type Fixed APR As Low As... Variable APR As Low As... Min/Max Amount Financed
Personal Unsecured Signature 5.60% 5.95% Max $25,000
Personal Line of Credit/Overdraft   5.95% Max $5,000
Personal Stretch 18.00%   Min $150 up to Max $500
Personal Secured 5.00%   Varies for Shares, Certificate, and Annuity Types
See disclosures
  • Rates for this Product are determined by an evaluation of applicant credit. Your actual rate may vary from the rate shown. The Annual Percentage Rate is subject to change.
  • Rate after Redstone MemberPlus! discount applied. Must have RFCU checking to qualify for Redstone MemberPlus! rate.

*No active Stretch Loan, individual credit only. Requires verification of residential address and verification of income, if not direct deposit to RFCU. The rate is 16% fixed APR if repayment is made through established (minimum 3 months) direct deposit equal to or greater than contracted payment amount or 18% fixed APR if repayment is not made through a pre-authorized transaction. A $30 non-refundable application fee applies and must be collected at application, may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution.

Credit Cards - Effective July 1, 2014

Type APR for Purchases As Low As... APR for Balance Transfer As Low As... APR for Cash Advance As Low As...
Platinum Visa 8.00% Variable 8.00% Variable 10.00% Variable
MasterCard Gold 7.00% Variable 7.00% Variable 9.00% Variable
Secure Visa 11.50% Variable 11.50% Variable 13.50% Variable
Visa Classic 18.00% Fixed 18.00% Fixed 18.00% Fixed
See disclosures
  • APRs are based on your creditworthiness when you open your account. Variable APRs will vary with the market based on the Prime Rate plus a margin. Foreign transfer fees may apply of up to 1% of the converted transaction amount for each international multicurrency or single currency transaction.

For Shared Secured Credit
Must open a non-dividend bearing Secured Visa Deposit Account. Pledged funds in Account must equal credit limit, will not earn dividends and must remain in the account. No withdrawals are permitted unless account is paid in full. No overdrafting allowed. Deposits are limited to initial deposit and approved credit limit increases. No joint account owners or beneficiaries are permitted. Coborrowers are not permitted. Up to three authorized users may be name.

Must be a RFCU member to obtain a loan. All loans subject to credit approval. Rates are subject to change without notice. Other restrictions may apply. RFCU is an equal credit opportunity lender. Must have online banking and password to access online application.

Savings Accounts - Effective July 1, 2014

Type Minimum Balance Dividend Rate APY
Regular Share Account $5 0.15% 0.15%
"You Name It" Savings Account $500 0.15% 0.15%
Christmas Club Share Account No Minimum Balance 0.15% 0.15%
Money Market Share Account $2,000 to $4,999.99
$5,000 to $49,999.99
$50,000 to $99,999.99
$100,000 and above
0.15%
0.25%
0.30%
0.35%
0.15%
0.25%
0.30%
0.35%
See disclosures

Annual Percentage Yield (APY)

Rates may change every month as determined by the Board of Directors.

Rates subject to change after account is opened.

The minimum balances to open and maintain a Regular Share Account and to earn the disclosed APY is $5. There is no minimum balance required to open a “You Name It” Savings Account. The minimum balance required to earn the disclosed APY for the “You Name It Savings” Account is $500. No dividends will be earned for the "You Name It" Savings Account if the account balance falls below $500. There is no minimum balance required to open a Christmas Club Account or to earn the disclosed APY. The minimum balance required to open a Money Market Share Account is $2,000. No dividends will be earned for the Money Market Share Account if the account balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the stated APY for that tier.

These annual percentage yields are accurate as of the last dividend declaration date.

Fees and other conditions could reduce earnings on the accounts.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Please refer to the Account Agreement for further disclosures.

Please call (256) 837-6110 or 1-800-234-1234 (long distance only) for current rate information, 24 hours a day or visit www.redfcu.org.

This Credit Union is federally insured by the National Credit Union Administration.

Savings Accounts: Certificates - Printable Version - Effective Jul. 9, 2014-Jul. 15, 2014

Type Terms Dividend Rate Compounding APY Compounding Dividend Rate Non-Compounding APY Non-Compounding
Share Certificate 6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
0.10%
0.15%
0.20%
0.25%
0.75%
1.26%
1.61%
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
Jumbo Certificate 6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
0.10%
0.15%
0.20%
0.25%
0.75%
1.26%
1.61%
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
0.10%
0.15%
0.20%
0.25%
0.75%
1.25%
1.60%
MemberPlus Share Certificate 6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
0.35%
0.40%
0.45%
0.50%
1.00%
1.51%
1.86%
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
MemberPlus Jumbo Certificate 6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
0.35%
0.40%
0.45%
0.50%
1.00%
1.51%
1.87%
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
0.35%
0.40%
0.45%
0.50%
1.00%
1.50%
1.85%
Member's Choice Share Certificate 36 Months
0.75% 0.75% 0.75% 0.75%
Member's Choice MemberPlus! Share Certificate 36 Months
1.00% 1.00% 1.00% 1.00%
See disclosures
  • Annual Percentage Yield (APY)
  • The minimum balance required to open the Share Certificate or MemberPlus Share Certificate is $1000. The minimum balance required to open the Jumbo Certificate or MemberPlus Jumbo Certificate is $100,000. You must maintain these minimum balances at all times to earn the disclosed annual percentage yields (APY). Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.
  • The minimum balance required to open a Member’s Choice Share Certificate or Member’s Choice MemberPlus! Share Certificate is $1,000. You must maintain this minimum balance at all times to earn the disclosed annual percentage yields.
  • For non-compounding share certificates, no dividends are added to the share certificate but are transferred to a designated share account. Dividends cannot remain on a non-compounding share certificate. For non-compounding Member’s Choice Share Certificates and non-compounding Member’s Choice MemberPlus! Share Certificates, no dividends are added to the share certificate but are transferred to the designated share savings account. Dividends cannot remain on a non-compounding Member’s Choice Share Certificate or non-compounding Member’s Choice MemberPlus! Share Certificate. Payout of dividends is mandatory.
  • To qualify for the MemberPlus! dividend rates and annual percentage yields, members must have and maintain an active checking account. Members who qualify for MemberPlus! dividend rates and annual percentage yields will receive the MemberPlus! rates. Once applied to the certificate, the MemberPlus! dividend rates and annual percentage yields will be in effect for the term of the account for fixed rate accounts. Members who do not meet these qualifications will receive the regular dividend rate and annual percentage yield stated above.
  • A substantial penalty will be imposed for the early withdrawal of certificate principal prior to maturity date. A withdrawal could reduce earnings.
  • Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.
  • For Member’s Choice share certificates: After 90 days from the certificate opening date, members have the option to request to change the dividend rate to the current 36 month certificate dividend rate applicable to their certificate. Future rate changes may be requested every 365 days after the last rate change on their account. To qualify for the MemberPlus! dividend rates and annual percentage yields, members must have and maintain an active checking account. If members do not meet the MemberPlus! qualifications, they will receive the regular share certificate dividend rates and annual percentage yields. If members qualify for the MemberPlus! dividend rates and annual percentage yields, they will receive the MemberPlus! rates. Once the rates are applied to the certificate, the MemberPlus! dividend rates and annual percentage yields will be in effect for the term of the account unless they request a rate change. If they request a rate change, they must continue to meet the MemberPlus! qualifications in order to obtain the MemberPlus! rates for the rate change request.
  • Once a share certificate is opened, the dividend rate and annual percentage yield will be in effect for the term of the account.
  • Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.
  • Call 256-837-6110 or 1-800-234-1234 (long distance only) during business hours for current rates.
    Federally insured by NCUA.

Savings Accounts: IRAs - Printable Version - Effective Jul. 9, 2014-Jul. 15, 2014

Type Term Dividend Rate APY Minimum Balance
Traditional IRA and Roth IRA Certificates 18 Months
24 Months
36 Months
48 Months
60 Months
0.20%
0.25%
0.75%
1.25%
1.60%
0.20%
0.25%
0.75%
1.26%
1.61%
$5
$500
$500
$500
$500
MemberPlus Traditional IRA and Roth IRA Certificates 18 Months
24 Months
36 Months
48 Months
60 Months
0.45%
0.50%
1.00%
1.50%
1.85%
0.45%
0.50%
1.00%
1.51%
1.86%
$5
$500
$500
$500
$500
Traditional and Roth Savings IRA N/A 0.15% 0.15% $5
See disclosures

Annual Percentage Yield (APY)

Traditional IRA and Roth IRA Certificates (Including MemberPlus Traditional and Roth IRA Certificates):

  • The minimum balances are required to open the accounts. You must maintain the minimum balances at all times to earn the disclosed APYs.
  • Once an IRA Certificate is opened, the dividend rate and annual percentage yield (APY) will remain in effect for the term of the account.
  • To qualify for the MemberPlus! dividend rates and annual percentage yields, members must have and maintain an active checking account. Members who qualify for MemberPlus! dividend rates and annual percentage yields will receive the MemberPlus! rates when the qualification program is ran. Once applied to the certificate, the MemberPlus! dividend rates and annual percentage yields will be in effect for the term of the account for fixed rate accounts. Members who do not meet these qualifications will receive the regular dividend rate and annual percentage yield stated above.
  • A substantial penalty will be imposed for early withdrawal of principal prior to maturity. A withdrawal may reduce account earnings.
  • Rates and terms subject to change without notice. Fees and other conditions could reduce earnings on the account.
  • Refer to the Truth in Savings Disclosure Supplement for further disclosures.
  • Call 256-837-6110 or 800-234-1234 for current IRA rates, 24 hours a day.
  • Federally insured by NCUA.

Traditional and Roth Savings IRA:

  • A $5 deposit is required to open your IRA. You must maintain a minimum balance of $5 in the account at all times to earn the APY.
  • Rates may change every month as determined by the Board of Directors.
  • There are no fees for establishing or maintaining a Traditional or Roth Savings IRA.
  • This annual percentage yield was accurate as of the last dividend declaration date.
  • Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  • Rates subject to change without notice. Fees and other conditions could reduce earnings on the account.
  • Refer to the Truth in Savings Disclosure Supplement for further terms and conditions.
  • Call 256-837-6110 or 1-800-234-1234 for current IRA rates, 24 hours a day.
  • Federally insured by NCUA.

Business: Accounts - Effective July 1, 2014

Type Minimum Balance Dividend Rate APY
Endeavor Savings Account $0 0.15% 0.15%
Endeavor Plus Checking $2,000 to $4,999.99
$5,000 to $9,999.99
$10,000 to $49,999.99
$50,000 to $99,999.99
$100,000 and above
0.10%
0.15%
0.15%
0.25%
0.25%
0.10%
0.15%
0.15%
0.25%
0.25%
Endeavor Money Market $2,000 to $4,999.99
$5,000 to $49,999.99
$50,000 to $99,999.99
$100,000 and above
0.15%
0.25%
0.30%
0.35%
0.15%
0.25%
0.30%
0.35%
See disclosures

Annual Percentage Yield (APY)

  • There is no minimum balance to open or maintain the Endeavor Savings Account or to earn the disclosed APY.
  • The minimum balance required to open the Endeavor Money Market Account and earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier.
  • The minimum balance required to open the Endeavor Plus Checking Account is $100. The minimum balance required to earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier.
  • Rates may change every month as determined by the Board of Directors.
  • Rates subject to change after account is opened.
  • These annual percentage yields are accurate as of the last dividend declaration date.
  • Fees and other conditions could reduce earnings on the accounts.
  • Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  • Please refer to the Business Account and Electronic Services Agreement for further disclosures.
  • Please call (256) 837-6110 or 1-800-234-1234 (long distance only) for current rate information, 24 hours a day.
  • Federally insured by NCUA.

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