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Rates


Rates
Vehicle Fixed Rate Loans
Type Term Rate APR Notes
New & Used Cars and Trucks - Fixed

01-36 Months 4.65% 4.65%
37-48 Months 4.90% 4.90%

49-60 Months 5.15% 5.15%
61-72 Months 5.75% 5.75% $15,000 & Greater
73-84 Months 7.15% 7.15% $25,000 & Greater
New Aircraft - Fixed 9.50% 9.50%
Used Aircraft - Fixed 9.99% 9.99%
Motorcycles, ATVs, RVs & Boats - Fixed
01-36 Months 6.40% 6.40%
37-48 Months 6.90% 6.90%
49-60 Months 7.40% 7.40%
61-72 Months 8.00% 8.00% $20,000 & Greater
73-84 Months 9.40% 9.40% $35,000 & Greater
All rates quoted as Annual Percentage Rate (APR). APR may be higher based on past and present credit performance. Rates subject to change without prior notice. MAX will now charge one rate for new and used vehicles. This includes all vehicles that MAX finances i.e., tractors, boats, RVs, etc.
Vehicle Adjustable Rate Loans
Type Term Rate APR Notes
Family Vehicle Loans
01-36 Months 4.80% 4.80%
37-60 Months 5.80% 5.80%
61-72 Months 6.34% 6.34% $20,000 & Greater
73-84 Months 7.80% 7.80% $35,000 & Greater
New Aircraft 9.25% 9.25%
Used Aircraft 9.74% 9.74%
New Boat, Motor, Trailer
5.80% 5.80%
Used Boat, Motor, Trailer
6.34% 6.34%
New Motor Home
5.35% 5.35%
Used Motor Home
6.35% 6.35%

All rates quoted as Annual Percentage Rate (APR).

Personal Savings
Account Minimum Balance Dividend Frequency Dividend Rate APY
Share
5.00 Quarterly 1.000% 1.004%
Club Account 0.00 Quarterly 1.000% 1.004%

All rates quoted as Annual Percentage Yield (APY). As of the last dividend declaration date, the dividend rate was as shown above, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth in Savings Disclosure.

Personal Checking Rates
Account Minimum Balance Dividend Frequency Dividend Rate APY
Me Checking 0.00 Monthly 1.982% 2.00%
MAXI Checking 500.00 Does not pay dividends 0.00% 0.00%
Economy Checking 0.00 Does not pay dividends 0.00% 0.00%
Performance Check $1,500.00 Monthly 0.75% 0.75%
Student Check 0.00 Does not pay dividends 0.00% 0.00%
Classic Checking 0.00 Does not pay dividends 0.00% 0.00%

All rates quoted as Annual Percentage Yield (APY). As of the last dividend declaration date, the dividend rate was as shown above, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth in Savings Disclosure.

Personal IRA Certificate Accounts
Type Rate Type Dividend Frequency Dividend Rate APY
06 Month IRA Variable Rate Monthly 1.539% 1.550%
12 Month IRA Fixed Rate Monthly 1.884% 1.900%
18 Month IRA Fixed Rate Monthly 1.933% 1.950%
30 Month IRA Fixed Rate Monthly 1.982% 2.000%

The Dividend Rate and Annual Percentage Yield (APY) on our Individual Retirement Accounts (IRAs) are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document.

Personal Jumbo Share Certificates
Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $100,000 At Maturity 1.195% 1.195%
60 Day $100,000 At Maturity 1.195% 1.195%
90 Day $100,000 At Maturity 1.195% 1.195%
06 Month $100,000 At Maturity 1.545% 1.545%
12 Month $100,000 At Maturity 1.800% 1.800%
18 Month $100,000 At Maturity 1.900% 1.900%
24 Month $100,000 At Maturity 1.900% 1.900%
30 Month $100,000 At Maturity 2.050% 2.050%

The Dividend Rate and Annual Percentage Yield (APY) on our Jumbo Share Certificate Accounts are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document.

Personal Certificate Accounts
Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500 At Maturity

0.499%

0.500%
60 Day $500 At Maturity 0.599% 0.600%
90 Day $500

At Maturity

1.045% 1.050%
06 Month $500 At Maturity 1.395% 1.400%
12 Month $500 Quarterly

1.640%

1.650%
18 Month $500 Quarterly 1.739% 1.750%
24 Month $500 Quarterly 1.739% 1.750%
30 Month $500

Quarterly

1.887% 1.900%
36 Month $500 Quarterly 1.887% 1.900%

The Dividend Rate and Annual Percentage Yield (APY) on our Certificate Accounts are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document.

Personal Money Market Accounts
Account Minimum Balance Dividend Frequency Dividend Rate APY
Private Reserve $2,500.00 Monthly 0.499% 0.500%
Performance MMA Tier 1 $1 Monthly 0.499% 0.500%
Performance MMA Tier 2 $5,000

Monthly

0.946% 0.950%
Performance MMA Tier 3 $25,000

Monthly

1.094% 1.100%
Performance MMA Tier 4 $50,000 Monthly 1.193% 1.200%
Performance MMA Tier 5 $100,000

Monthly

1.193% 1.200%
Performance MMA Tier 6 $250,000 Monthly 1.292% 1.300%
Performance MMA Tier 7 $500,000

Monthly

1.292% 1.300%

The Dividend Rate and Annual Percentage Yield (APY) on our Money Market Accounts are reflected in the chart above. The Rate and APY are those that we offered during the current calendar month and are accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document. Rate changes are effective on the first day of each month.

Personal Secured Loans
Type APR
Share Secured
2% above dividend rate
Certificate Loan

2% above dividend rate


All rates quoted as Annual Percentage Rate (APR). APR may be higher based on past and present credit performance. Rates subject to change without prior notice.
Personal Credit Cards
Description APR
VISA® & MasterCard® 12.50%
Gold MasterCard® 10.90%
Platinum VISA®   7.90%
All rates quoted as Annual Percentage Rate (APR). APR may be higher based on past and present credit performance. Rates subject to change without prior notice.
Personal Unsecured Loans
Description Term Rate APR
$1000.00 Minimum
Max 48 Months 11.00% ^
Guarantor Max 36 Months 17.00%
Revolving Line of Credit

18.00%

New & Used Household Goods

11.00% ^
PC Loan
11.00% ^
All rates quoted as Annual Percentage Rate (APR). APR may be higher based on past and present credit performance. Rates subject to change without prior notice.
Mortgage
Type Terms Rate Information Notes
First Mortgage

Fixed and Adjustable up to 40 Years View Rates (Primary and Secondary Residence)
Second Mortgage
Apply Now
6 Year Fixed Rate As Low As
Rate: 6.00%
APR: 6.00%
(Primary and Secondary Residence)
Second Mortgage
Apply Now
10 Year Fixed Rate As Low As
Rate: 7.00%
APR: 7.00%
(Primary and Secondary Residence)
Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charges. Note: MAX only finances property within the state of Alabama, with the exception of VA loans, which can be financed nationwide. For questions, please contact our Mortgage Services department at 334-215-4861 or 1-800-776-6776, ext. 4861.
Equity Line
Type Rate Type Term Rate APR Notes
Equity Line of Credit
Adjustable
Rate
15 Year as low as
4.00%
as low as
4.00%

All rates quoted as Annual Percentage Rate (APR). Your APR will vary based on your final loan amount and finance charges. Note: MAX only finances property within the state of Alabama, except VA loans, which can be financed nationwide. For questions, please contact our Mortgage Services department at 334-215-4861 or 1-800-776-6776, ext. 4861.

Business Certificate Accounts
Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500 At Maturity

0.499%

0.500%
60 Day $500 At Maturity 0.599% 0.600%
90 Day $500

At Maturity

1.045% 1.050%
06 Month $500 At Maturity 1.395% 1.400%
12 Month $500 Quarterly

1.640%

1.650%
18 Month $500 Quarterly 1.739% 1.750%
24 Month $500 Quarterly 1.739% 1.750%
30 Month $500

Quarterly

1.887% 1.900%
36 Month $500 Quarterly 1.887% 1.900%

The Dividend Rate and Annual Percentage Yield (APY) on our Business Certificate Accounts are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document.

Business Checking Accounts
Account Name Rate APY
MAXimizer Plus 0 - $2,499

0.00%

0.00%
MAXimizer Plus $2,500 - $9,999 0.200% 0.200%
MAXimizer Plus $10,000 - $24,999 0.349% 0.350%
MAXimizer Plus $25,000 - $49,999 0.499% 0.500%
MAXimizer Plus $50,000 - $99,999 0.946% 0.950%
MAXimizer Plus $100,000 - $249,999 1.588% 1.600%
MAXimizer Plus $250,000+ 1.736% 1.750%
Business MAXI CHECK 0.75% 0.75%
Non Profit MAXI CHECK 0.75% 0.75%
All rates quoted as Annual Percentage Yield (APY). As of the last dividend declaration date, the dividend rate was as shown above, under Rate, with the corresponding Annual Percentage Yield. The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth in Savings Disclosure.
Business Money Market Accounts
Account Minimum Balance Dividend Frequency Dividend Rate APY
Business MMA Tier 1 $1 Monthly 0.499% 0.500%
Business MMA Tier 2 $5,000 Monthly 0.946% 0.950%
Business MMA Tier 3 $25,000 Monthly 1.094% 1.100%
Business MMA Tier 4 $50,000

Monthly

1.193% 1.200%
Business MMA Tier 5 $100,000 Monthly 1.193% 1.200%
Business MMA Tier 6 $250,000 Monthly 1.292% 1.300%
Business MMA Tier 7 $500,000 Monthly 1.292% 1.300%

The Dividend Rate and Annual Percentage Yield (APY) on our Money Market Accounts are reflected in the chart above. The Rate and APY are those that we offered during the current calendar month and are accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Truth in Savings Document. Rate changes are effective on the first day of each month.

 
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Rates AS LOW AS
Auto Loans 4.65% APPLY
First Mortgage
view APPLY
2nd Mortgage
6.00% APPLY
Home Equity
4.00% APPLY
Boat 6.40% APPLY
Annual Percentage Rate
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