Personal and Business Banking - Rates

Personal

Vehicle Fixed Rate Loans

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


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.

Savings Accounts

Account

Minimum

Balance

Dividend

Frequency

Tier

Dividend
Rate

APY

Share

5.00

Quarterly

Quarterly

Quarterly

>$2499.99

$100-2499.99

<$100

0.300%*

0.150%*

0.000%*

0.300%

0.150%

0.000%

Club Account

0.00

Quarterly

Quarterly

Quarterly

>$2499.99

$100-2499.99

<$100

0.300%*

0.150%*

0.000%*

0.300%

0.150%

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
No*

Monthly

($1-15,000)

2.227%

2.25%
(>$15,000)

0.30%

0.30%
MAXI Checking

500.00

Does not pay dividends

N/A

0.00%

0.00%
Performance Check $1,500.00 Quarterly

0.30%

0.30%

Student Check

No

Does not pay dividends

0.00%

0.00%
Classic Checking

No

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 Disclosures.


*This account is subject to a service fee of $4.95 each month the account does not meet the requirements to earn dividends unless a minimum balance of $500.00 is maintained during the entire month. This account must maintain an average daily balance of $1.00 to receive dividends.

IRA Certificate Accounts

Type Rate Type Dividend Frequency Dividend Rate APY
06 Month IRA Variable Rate

Monthly

0.399%

0.400%

12 Month IRA Fixed Rate

Monthly

0.649%

0.660%

18 Month IRA Fixed Rate

Monthly

0.748%

0.750%

30 Month IRA Fixed Rate

Monthly

0.997%

1.000%

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 Disclosures.

Jumbo Share Certificate Accounts

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $100,000 At Maturity 0.150% 0.150%
60 Day $100,000 At Maturity 0.250% 0.250%
90 Day $100,000

At Maturity

0.400%

0.400%

06 Month $100,000

At Maturity

0.500%

0.500%

12 Month $100,000

At Maturity

0.650%

0.650%

18 Month $100,000

At Maturity

0.900%

0.900%

24 Month $100,000

At Maturity

1.000%

1.000%
30 Month $100,000

At Maturity

1.150%

1.150%

36 Month $100,000

At Maturity

1.250%

1.250%

60 Month $100,000 At Maturity 1.750% 1.760%

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

0.100%

0.100%

60 Day $500

At Maturity

0.200%

0.200%

90 Day $500

At Maturity

0.300%

0.300%

06 Month $500

At Maturity

0.400%

0.400%

12 Month $500

Quarterly

0.500%

0.500%
18 Month $500

Quarterly

0.750%

0.750%

24 Month $500

Quarterly

0.850%

0.850%

30 Month $500

Quarterly

1.000%

1.000%

36 Month $500

Quarterly

1.100%

1.100%

60 Month $500

Quarterly

1.750%

1.760%

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

Personal-Banner
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
Apply Now»
Please call 800.776.6776 for rate.
Share Certificate Loan
Apply Now»

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
Apply Now»
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 Fee
VISA® & MasterCard® Apply Now»

12.50%

No

Gold MasterCard® Apply Now»

10.90%

No

Platinum VISA® Apply Now»

9.99%

No

Platinum VISA® Apply Now»

7.90%

Yes, $20/yr

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.

 

For qualified borrowers. Some Restrictions apply.

Home Mortgage

Type

Terms

Rate Information

Notes

First Mortgage

Apply Online »

Fixed and Adjustable up to 30 Years View Rates (Primary and Secondary Residence)
Second Mortgage
Apply Online »

6 Year Fixed Rate

As Low As
Rate: 6.00%
APR: 6.00%
(Primary and Secondary Residence)
Second Mortgage
Apply Online »

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
Apply Online »
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.

For qualified borrowers. Some Restrictions apply.

Business

Business Checking

Account Name Minimum Balance Rate APY
MAXimizer Plus $0 - $2,499

0.000%

0.000%

MAXimizer Plus $2,500 - $9,999

0.100%

0.100%

MAXimizer Plus $10,000 - $24,999

0.200%

0.200%

MAXimizer Plus $25,000 - $49,999

0.300%

0.300%

MAXimizer Plus $50,000 - $99,999

0.399%

0.400%

MAXimizer Plus $100,000 - $249,999

0.399%

0.400%

MAXimizer Plus $250,000+

0.399%

0.400%

Business MAXI CHECK

0.300%

0.300%

Non Profit MAXI CHECK

0.300%

0.300%

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 Disclosures.

Certificate Accounts

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500

At Maturity

0.100%

0.100%

60 Day $500

At Maturity

0.200%

0.200%

90 Day $500

At Maturity

0.300%

0.300%

06 Month $500

At Maturity

0.400%

0.400%

12 Month $500

Quarterly

0.500%

0.500%

18 Month $500

Quarterly

0.750%

0.750%

24 Month $500

Quarterly

0.850%

0.850%

30 Month $500

Quarterly

1.000%

1.000%

36 Month $500

Quarterly

1.100%

1.100%

60 Month $500

Quarterly

1.750%

1.760%

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 Disclosures.

Money Market Accounts

Account Minimum Balance Dividend Frequency Dividend Rate APY
Business MMA Tier 1 $1

Monthly

0.250%

0.250%

Business MMA Tier 2 $5,000

Monthly

0.399%

0.400%

Business MMA Tier 3 $25,000

Monthly

0.449%

0.450%

Business MMA Tier 4 $50,000

Monthly

0.449%

0.450%

Business MMA Tier 5 $100,000

Monthly

0.449%

0.450%

Business MMA Tier 6 $250,000

Monthly

0.449%

0.450%

Business 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.

 

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Your savings federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency.
MAX Credit Union Routing Number: 262275958 Federally insured by NCUA. Equal Housing Lender. NMLS# 410580.
Local: 334.260.2600 - Toll free: 800.776.6776 | Privacy Statement
P.O. Box 244040 - Montgomery, Alabama 36124-4040 -  Corporate Office: 400 Eastdale Circle, Montgomery, AL, 36117
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