2339 Hwy 1 South
Greenville, MS 38701

Tel: (662) 332- 7184 [ Fax: (662) 332- 1624 ]

Rates

Share Accounts

Share (Savings) Accounts

Club Accounts

Christmas Club
Vacation Club
Piggy Bank Accounts
Share and Club Account Rates
200.01 up to 5,000.00 0.10% APY
5000.01 up to 25,000.00 0.15% APY
25,000 and up 0.20% APY

Loan Accounts

Share Secured Loans

Rate: 5.00%* Term: 60 Months

Signature Loans

*(Your rate depends on your Beacon Score) Rate: 10.00% to 18.00% * Term: 36 Months
Minimum $500.00 Maximum $6000.00
Any late payment within 6 months prior to the application for a refinance will result in the denial of loan.
Christmas Loans (available in November and December) Rate: 14.00%* Term: 12 Months
Vacation Loans (available in June and July) Rate: 14.00%* Term: 12 Months
Back to School Loans (available in August and September) Rate: 14.00%* Term: 6 Months
Graduation Loans (available in April and May) Rate: 14.00%* Term: 6 Months

Vehicle Loans

New
*(Your rate depends on your Beacon Score) Rate 4.0% to 8.0%* Term: Maximum 72 months (6 years)
Must have copy of window sticker
100% + 5% of MSRP not to exceed actual purchase price
Used
*(Your rate depends on your Beacon Score and the year of the car) Rate 5.0% to 12.0%* Term: Maximum 60 months (5 years)
*(We do not finance vehicles over 10 years old.)
100%  +5% of NADA Trade-In Value (Mileage adjusted) not to exceed actual purchase price

Recreational Vehicles, ATVs, and Motorcycles, Boat, Motor and Trailer, Campers and Motor Homes, Tractors, Commercial Lawn mowers and Lawn mowers, Tractors, Commercial Lawn mowers

New Rate 6.0% to 16.0%* Terms: 60 months
*(Your rate depends on your Beacon Score)
90% of MSRP

 

 

Used Rate 7.0% to 18.0%* Terms: 48 months
*(Your rate depends on your Beacon Score and the year of the vehicle)
 NADA Trade In Value

 

Fee Schedule

Revised 09/01/14
 

SHARE/SAVINGS ACCOUNTS

Membership Fee $ 15.00
(One time fee – non refundable)
Excessive Withdrawal Fee $15.00
(More than 4 withdrawals in 1 Month)
Low Balance Fee $15.00
(Bringing Balance below $100.00)
Share to Loan Transfer Free
Early Withdrawal/Closing Club Accounts $25.00
 

SHARE DRAFTS/CHECKING ACCOUNTS

Monthly Fee $ 8.00
Deduct $2.00 Sign up for e-statement
FREE Accounts for Members over 60
Courtesy Pay (per item) $20.00
Share Transfer (per transfer) $ 1.50
NSF fee $30.00
Stop Payment Fee $25.00
Debit Card Replacement $10.00
 

OTHER FEES (all accounts)

Loan Application Fee $20.00
(Non-Refundable)
Doc Fee for Secured Loans (added to loans) $75.00
Returned Mail Fee (each occurrence) $5.00
UCC Filing Fee Actual Cost
Title Filing Fee Actual Cost plus $1
Research and/or Reconciliation Assistance $20.00
per hour (1 hour minimum)
Statement Copies or History Printout $ 2.00
Copy of Paid Check $ 3.00
Mailing Fee (regular mail) $ 2.00
Expedited Mail Actual cost plus $2.00
Late Payment Fee 4% of delinquent amount, minimum $5.00
Dormant Account Fee $25.00 per quarter
Account Inquiry (verbal) Free
Account Verification (written) $ 5.00
Statement Printing $ 2.00
Deposit Return Item (all accounts) $30.00
Special Loan Fee $25.00
No Credit Required Loan Fee $20.00
 

COLLECTION FEES

Garnishment Processing Actual Cost
(in addition to fees charged by courts)
Repossession Fee $25.00
(In addition to fee charged by Repo agent)
Assign account to collection agency $25.00
(plus actual cost)
Escheatment Fee $25.00