Rates

Consumer (Auto, Boat, ATV, etc.) Loans

Personal Line of Credit	Call (334) 215-7328 for Current Rates
Personal Signature Loan	Call (334) 215-7328 for Current Rates
New and Used Vehicles*	Call (334) 215-7328 for Current Rates
New and Used Boat, Personal Watercraft, Motorcycle*	Call (334) 215-7328 for Current Rates

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Real Estate (Home, Home Equity) Loans

In-House	Call (334) 215-7328 for Current Rates
FNMA	Call (334) 215-7328 for Current Rates

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APR = Annual Percentage Rate Other loan types available. Call for rates. **Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All credit union lending policies apply. Subject to some restrictions. All rates are subject to change. Alabama One now offers 0.25% off of the lowest rate that the member qualifies for if the member sets the loan up on payroll distribution or auto draft. (Consumer loans only, excluding deposit secured. Risk tier matrix only loans.)

Accounts are a variable rate account. APY is valid as of the last dividend declaration date of June 1, 2020. APY and tiers are subjedt to change at any time.

Shares         

	Dividend Rate	APY
under $1,000	0.10%	0.10%
$1,000 or greater	0.20%	0.20%

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Share Draft

	Dividend Rate	APY
$1 - $24,999.99	0.00%	0.00%
$25,000 or greater	0.05%	0.05%

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Clubs

	Dividend Rate	APY
Christmas Club	1.00%	1.00%
Children's Cub Account	1.00%	1.00%
Saver's Club	1.00%	1.00%
Other Special Savings (under $1,000)	0.10%	0.10%
Other Special Savings ($1,000 or greater)	0.20%	0.20%

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Daily Money Market Account Tier

	Dividend Rate	APY
under $1,000.00	0.20%	0.20%
$1,000 - $9,999.99	0.35%	0.35%
$10,000 - $24,999.99	0.35%	0.35%
$25,000 - $99.999.99	0.35%	0.35%
$100,000 - $249,999.99	0.35%	0.35%
$250,000 or greater	0.35%	0.35%

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Accumulator IRA Tier (Traditional, Education, Roth)

	Dividend Rate	APY
under $1,000.00	0.30%	0.30%
$1,000 - $9,999.99	0.50%	0.50%
$10,000 - $24,999.99	0.50%	0.50%
$25,000 - $99,999.99	0.50%	0.50%
$100,000 - $249,999.99	0.50%	0.50%
$250,000 or greater	0.50%	0.50%

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Certificates of Deposit

	Dividend Rate	APY*
6-Month	0.60%	0.60%
12-Month	1.00%	1.00%
18-Month	1.10%	1.10%
24-Month	1.20%	1.20%
36-Month	1.40%	1.41%
48-Month	1.50%	1.51%
60-Month	1.60%	1.61%

*APY is accurate as of June 1, 2020 and is subject to change at any time. The rate is locked in for the term of your certificate on the day the certificate is funded.

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Certificate IRA

	Dividend Rate	APY*
6-Month	0.60%	0.60%
12-Month	1.00%	1.00%
18-Month	1.10%	1.10%
24-Month	1.20%	1.21%
36-Month	1.40%	1.41%
48-Month	1.50%	1.51%
60-Month	1.60%	1.61%

*APY = Annual Percentage Yield. A fee may reduce earnings on share accounts. For certificate accounts, penalties for early withdrawal may apply.

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