Rates

Loan Rates Saving Rates Certificate Rates Fee Schedule

Effective as of: October 1, 2014

Loan Rates

Loan TypeAPR*Max. Term
First Mortgages
Home Equity Line of Credit4.50%180 Months
Visa® Credit Cards9.99%
New Autos2.29%36 Months
New Autos2.99%Up to 60 Months
New Autos3.49%72 Months
Used Autos2.29%36 Months
Used Autos2.99%Up to 60 Months
New Boats Over $20,0006.99%84 Months
New Boats $10,000 - $19,9995.99%60 Months
New Boats Under $10,0005.99%36 Months
Used Boats Over $20,0007.49%84 Months
Used Boat $10,000 - $19,9996.49%60 Months
Used Boats Under $10,0006.49%36 Months
New Motorcycles5.99%60 Months
Used Motorcycles6.49%60 Months
Other Secured Loans6.99%36 Months
Fully Share Secured2% Above Dividend Rate
Credit Establishment/Restoration5.99%6 Months
Personal8.99%Up to 36 Months
Overdraft Line of Credit18.00%
Rates quoted are best available and subject to change. Term limits may apply. Loan rates may vary depending on credit scoring. All loans subject to credit approval.
FIRST MORTGAGES
  • Call (251) 435-5900 for details.
HOME EQUITY LINE OF CREDIT
  • Financing not to exceed 90% of appraised value minus first mortgage.
  • *Maximum Line of Credit-$50,000.00
NEW AUTOS
  • Qualifying members may finance new autos up to 100% of MSRP plus tax, title and doc fee.
  • 72 month financing is available on loans of $20,000.00 or more.
USED AUTOS
  • Financing not to exceed NADA retail value.
  • Current year models with less than 7,500 miles will be treated as a new auto.
NEW MOTORCYCLE LOANS
  • Financing not to exceed MSRP plus tax, title and doc fees.
  • *Minimum Payment Guideline- Monthly payment no less than $100.00
USED MOTORCYCLE LOANS
  • Financing not to exceed NADA retail value.
  • *Minimum Payment Guideline- Monthly payment no less than $100.00

MIMC BRANCH
5 Infirmary Circle
Mobile, AL 36607
Monday - Friday
7:30 a.m. - 4:00 p.m.
Hospital Payroll Friday
7:00 a.m. - 4:00 p.m.

SPRINGHILL AVENUE BRANCH
1753 Springhill Avenue
Mobile, AL 36607
Monday - Friday
8:30 a.m. - 5:00 p.m.

THOMAS HOSPITAL BRANCH
750 Morphy Avenue
Fairhope, AL 36532
Monday -Wednesday-Friday
8:30 a.m. - 5:00 p.m.