Personal Account Rates - Rates

Vehicle Fixed Rate Loans

Vehicle fixed rates as low as 2.99% APR.
Recreational fixed rate loans as low as 6.74% APR.

All rates quoted as Annual Percentage Rate (APR). APR may be different based on past and present credit performance. Rates are subject to change without prior notice. The rate, 2.99% APR, is available for auto loans of $10,000 or more. The rate can not be combined with any other MAX offer and is not available for refinancing on existing MAX auto loans. For qualified borrowers. Certain restrictions apply.

Vehicle Adjustable Rate Loans

Savings Accounts

Account

Minimum

Balance

Dividend

Frequency

Tier

Dividend

Rate

APY

5.00

Quarterly

>$2499.99

$100-2499.99

<$100

0.400%*

0.200%*

0.000%*

0.400%

0.200%

0.000%

Club Account

0.00

Quarterly

>$2499.99

$100-2499.99

<$100

0.400%*

0.200%*

0.000%*

0.400%

0.200%

0.000%

MAX members with multiple products & services enjoy the benefit of earning our full dividend rate. All rates quoted as Annual Percentage Yield (APY). *The rate quoted for the Share account is an anticipated rate. As of the last dividend declaration date, the dividend rate was as shown above, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). For those members at least 19 years of age and holding no other accounts except a share or share/club accounts must maintain an average daily balance of $100.00 to receive dividends. For these accounts there will be two tiers upon which dividends will be paid ($100.00-$2499.99 and over $2499.99). The Dividend Rate and Annual Percentage Yield may change as indicated in our Disclosures.

Checking Accounts

Account	Minimum Balance	Dividend Frequency	Tier	Dividend Rate	APY
Me Checking	0.00	Monthly	($1-15,000)	2.227%	2.250%
Me Checking	0.00	Monthly	(>$15,000)	0.399%	0.400%
MAXI Checking	500.00	Does not pay dividends	N/A	0.000%	0.000%
Performance Check	$1,500.00	Quarterly		0.400%	0.400%
Student Check	0.00	Does not pay dividends		0.000%	0.000%
Classic Checking	0.00	Does not pay dividends		0.000%	0.000%

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 Disclosures.

IRA Certificate Accounts

Type	Rate Type	Dividend Frequency	Dividend Rate	APY
06 Month IRA	Variable Rate	Monthly	0.549%	0.550%
12 Month IRA	Fixed Rate	Monthly	0.698%	0.700%
18 Month IRA	Fixed Rate	Monthly	0.797%	0.800%
30 Month IRA	Fixed Rate	Monthly	1.045%	1.050%

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 Disclosures.

Jumbo Share Certificate Accounts

Type	Minimum Deposit	Dividend Frequency	Dividend Rate	APY
30 Day	$100,000	At Maturity	0.500%	0.500%
60 Day	$100,000	At Maturity	0.500%	0.500%
90 Day	$100,000	At Maturity	0.500%	0.500%
06 Month	$100,000	At Maturity	0.599%	0.599%
12 Month	$100,000	At Maturity	0.700%	0.700%
18 Month	$100,000	At Maturity	0.800%	0.800%
24 Month	$100,000	At Maturity	0.900%	0.900%
30 Month	$100,000	At Maturity	1.050%	1.050%

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 Disclosures.

Certificate Accounts

Type	Minimum Deposit	Dividend Frequency	Dividend Rate	APY
30 Day	$500	At Maturity	0.150%	0.150%
60 Day	$500	At Maturity	0.200%	0.200%
90 Day	$500	At Maturity	0.350%	0.350%
06 Month	$500	At Maturity	0.449%	0.450%
12 Month	$500	Quarterly	0.549%	0.550%
18 Month	$500	Quarterly	0.648%	0.650%
24 Month	$500	Quarterly	0.748%	0.750%
30 Month	$500	Quarterly	0.897%	0.900%
36 Month	$500	Quarterly	0.897%	0.900%

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 Disclosures.

Money Market Accounts

Account		Minimum Balance	Dividend Frequency	Dividend Rate	APY
Private Reserve		$2,500	Monthly	0.250%	0.250%
Performance MMA	Tier 1	$1	Monthly	0.250%	0.250%
Performance MMA	Tier 2	$5,000	Monthly	0.399%	0.400%
Performance MMA	Tier 3	$25,000	Monthly	0.449%	0.450%
Performance MMA	Tier 4	$50,000	Monthly	0.449%	0.450%
Performance MMA	Tier 5	$100,000	Monthly	0.449%	0.450%
Performance MMA	Tier 6	$250,000	Monthly	0.449%	0.450%
Performance MMA	Tier 7	$500,000	Monthly	0.449%	0.450%

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 Disclosures. Rate changes are effective on the first day of each month.

Secured Loans

Type	APR
Share Secured	Please call 800.776.6776 for rate.
Share Certificate Loan	as low as 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.

Unsecured Loans

Description	Term	Rate/APR
$1000.00 Minimum	Max 48 Months	11.50%
Guarantor	Max 36 Months	17.00%
Revolving Line of Credit		18.00%

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.

Credit Cards

Description	APR
VISA® & MasterCard®	12.50%
Gold MasterCard®	10.90%
Platinum VISA®	7.90% or 9.99%

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.

Home Mortgage

Type	Terms	Rate Information	Notes
First Mortgage	Fixed and Adjustable up to 40 Years	View Rates	(Primary and Secondary Residence)
Second Mortgage	6 Year Fixed Rate	As Low As Rate: 6.00% APR: 6.00%	(Primary and Secondary Residence)
Second Mortgage	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.

Home Equity Line

Type	Rate Type	Term	Rate	APR
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.