Rates
Rates as of 12/17/15

Savings Account Balance       Nominal            APY
$100.00 and up                        0.30%                0.30%
Share Certificates                    0.20%                0.20%
3, 6,
 12 months                          0.25%                0.25%  
Dividend Rates

Share Secured

2.00% above savings rate     60 Months

Auto Rates

2011 and newer         As low as 2.99%          60 Months

2010 and older           As low as 5.99%          60 Months


Teacher Education Loans         2.99%          54 Months     

RV Loans                      As low as 4.25%         60 Months

Signature Loans        As low as 7.95%          24 Months

Holiday Loans       As low as 5.95%               12 Months
(available Oct 31-the end of Feb)


The following fees and charges may be assessed against
your account:

Service
Fee/Charge

Excessive share withdrawal
$1 per item (After 2 per month)

Deposited item returned
$25 per item

Dormant Account Fee
$5 per quarter

Par Value of One Share
$5

Membership fee
$1
Loan Rates
Member Fees
Skipped Payments – You may choose to
omit making July and August payments if
employed by the Sevier County Board of
Education.  However, interest will still
accrue for this period.

Filing Fee: You will be charged a lien filing
fee at the time of an advance if the credit
union takes a security interest in your
collateral. The amount of the filing fee will
be based upon the amount of fee required
by state law for the credit union to obtain a
lien on your property.

Late Charges: There will be a $20.00 late
fee for any loan over 7 business days past
due.

Collection Costs: You promise to pay all
costs of collecting the amount you owe
under this agreement including court costs
and reasonable attorney fees.

Loan rates and terms may vary based on
credit history and are subject to change. For
additional information call the Credit Union
at (865) 428-4426.