708 N 17th Street
Birmingham AL 35203
205-583-4654
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Rates

Share Rates

Balance From APY
$0.00 – $99.99 0.00%
$100 – $9,999.99 0.25%
$10,000 – $24,999.99 0.50%
$25,000 – $74,999.99 0.75%
$75,000 – %9,999,999.99 1.00%

**Annual Percentage Yield
***Rates are current as of press date and are subject to change without prior notice.

Club Accounts

Vacation Club –0.25% up to 1.00% APR

Christmas Club –0.25% up to 1.00% APR

Kids Savings Club –0.25% up to 1.00%APR

*Annual Percentage Rate
**Rates are current as of press date and are subject to change without prior notice.

Checking Accounts: 0.00% APR

Share Certificates

Deposit $500.00 minimum to start a great investment plan.

Term APY
3 months 0.35%
6 months 0.60%
12 months 1.00%
18 months 1.25%
24 months 1.50%
36 months 2.00%
48 months 2.25%
60 months 2.50%

*Annual Percentage  Yield
***Rates are current as of press date and are subject to change without prior notice.

Loan Rates

Signature – 10.00% – 18.00% APR*

Share Secured – 200 Basis Points above the stated APR on share savings at the time of loan.

New / Used Vehicles

Duration of Loan APR
72 months 2.99% – 18.00% *
60 months 2.99% – 18.00% *
48 months 2.24% – 18.00% *
36 months 1.99% – 18.00% *

*Subject to credit approval
**Annual Percentage Rate
***Rates are current as of press date and are subject to change without prior notice.

Schedule of Fees and Charges

 Account Activity Printout/Draft Copy – 3.00 per page

Account Balancing Assistance/ Research – $30.00 per hour ($10.00 minimum)

Account Levy – $25.00 each

Account Closed Within First 180 Days – $25.00 

ATM Withdrawal – $1.00 each

Below Minimum par value$5.00 per month

Check Printing – Varies by style of check

Corporate Check (payable to 3rd parties) – $5.00 each

Excessive Withdrawal (savings, more than 1 a month) – $2.00 each

Christmas/Vacation Club early withdrawal (1 per year allowed) – $10.00

Non Sufficient Funds – $30.00 each

Overdraft Paid – $30.00 each

Overdraft Transfer – $3.00 each

Paper Statement Fee (Checking account only) – $3.00 per mailed statement

Statement Copy – $3.00 each

Stop Payment ACH or Draft – $35.00 each

Return Deposit Item – $30.00 each

Undeliverable Mail ( Returned mail/Bad Address) – $5.00 per month

Replacement Debit Card – $10.00 each

Loan Application Fee – $35.00 each

Title Fee – $16.50

Car Fax Fee – $25.00 each

 

Membership

Membership Share – $25.00 per value

        Rejoin Membership Fee – $25.00

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