Current Rates

CDS/IRAs Rate Table

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Minimum to Open Account Interest Rate APY*
30 Day CD $1,000 0.20% 0.20%
60 Day CD $1,000 0.25% 0.25%
90 Day CD $1,000 0.30% 0.30%
180 Day CD $1,000 0.45% 0.45%
1 Year CD $1,000 0.75% 0.75%
18 Month CD $1,000 0.90% 0.90%
2 Year CD $1,000 1.00% 1.00%
30 Month CD $1,000 1.05% 1.05%
3 Year CD $1,000 1.10% 1.10%
4 Year CD $1,000 1.20% 1.20%
5 Year CD $1,000 1.20% 1.20%
1 Year IRA CD $1,000 0.50% 0.50%
2 Year IRA CD $1,000 0.50% 0.50%
3 Year IRA CD $1,000 0.50% 0.50%

*APY=Annual Percentage Yield
Rates are effective February 1, 2018 
Rates are subject to change without prior notice
Penalties for early withdrawal
Please call 901-737-5453 for the latest rate information

Checking, Money Market, Savings Rate Table

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Minimum to Open Account Interest Rate APY*
Interest Checking (NOW) $1,000 0.10% 0.10%
First Capital Checking $1,000 0.10% 0.10%
Business NOW $1,000 0.10% 0.10%
Regular Savings $100 0.20% 0.20%
Children's Savings $0 0.20% 0.20%
Business Savings $100 0.20% 0.20%
Regular Money Market $1,000 0.25% 0.25%
High Yield Money Market $0-$9,999 $10,000 0.25% 0.25%
High Yield Money Market $10,000-$24,999 $10,000 0.30% 0.30%
High Yield Money Market $25,000-$49,999 $10,000 0.35% 0.35%
High Yield Money Market $50,000-$99,999 $10,000 0.45% 0.45%
High Yield Money Market $100,000 and up $10,000 0.45% 0.45%
Business Money Market $1,000 0.25% 0.25%
Business High Yield Money Market $0-$9,999 $10,000 0.25% 0.25%
Business High Yield Money Market $10,000-$24,999 $10,000 0.30% 0.30%
Business High Yield Money Market $25,000-$49,999 $10,000 0.35% 0.35%
Business High Yield Money Market $50,000-$99,999 $10,000 0.45% 0.45%
Business High Yield Money Market $100,000 and up $10,000 0.45% 0.45%

*APY=Annual Percentage Yield
Rates are subject to change without prior notice
Fees may reduce earnings