Established in 1925!

Main Office Building

Deposit Rates


NCUA

As of July 1, 2015

Account Type Minimum Balance to Open Minimum to Earn Dividends Dividend Rate Annual Percentage Yield (APY)
Share Accounts
Regular $25.00 $25.00 .10 .10
Christmas None None .15 .15
Vacation $25.00 $25.00 .15 .15
Kirby Kangaroo $25.00 $25.00 .10 .10
Claim Your Youth $25.00 $25.00 .10 .10
Share IRA None None .25 .25
Share Draft Accounts
Express None None No Dividend
First Class $400.00* None .05 .05
Priority $5000.00 None .05 .05


* Minimum balance must be maintained to avoid a monthly service charge of $5.00.

Priority Checking, the $5000.00 balance may be in a share or certificate account.

All share and share draft accounts are variable rate accounts and the rate may change after the account is opened. Fees or other conditions will reduce the earnings on the account.

For more information on any of our accounts please contact our member service department at (615) 871-4221 or 1-800-298-8878
.

Certificate and IRA Rates


As of July 5, 2017

Account Type Minimum Balance Dividend Rate Annual Percentage Yield (APY)
Share Certificates
3 Months $2000.00 0.30 0.30
6 Months $2000.00 0.40 0.40
12 Months $2000.00 0.50 0.50
18 Months $2000.00 0.60 0.60
24 Months $2000.00 0.70 0.70
30 Months $2000.00 0.80 0.80
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
IRAs (Traditional, Roth & Coverdell ESA)
12 Months $2000.00 0.50 0.50
18 Months $2000.00 0.60 0.60
24 Months $2000.00 0.70 0.70
30 Months $2000.00 0.80 0.80
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
Special Share Certificates
6 Months $500.00 0.20 0.20
12 Months $500.00 0.35 0.35
Penalty for early withdrawal may apply except when changing to a regular certificate. No additional deposits allowed until end of term.
Jumbo Certificates
Jumbo Certificates available at negotiable rates. Contact Member Service at (615) 871-4221 for more information.


Dividends are earned from the day of deposit to day of withdrawal and compounded monthly. Withdrawal of dividends prior to maturity will reduce earnings. For more information on any of our accounts please contact our Member Service department at (615) 871-4221 or 1-800-298-8878.