Personal Rates

Auto/Vehicle Loans - Fixed Rate Loans 

Rates Apply
Vehicle fixed rates as low as 2.70% APR.  Apply Now >>
Recreational fixed rate loans as low as 6.00% 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 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.

Personal Savings Accounts

Account  Minimum Balance  Dividend Frequency  Tier  Dividend Rate  APY 
 Share  $5.00 Quarterly
Quarterly
Quarterly
$2500 and up
$100 - $2499.99
$99.99 and less
0.250%*
0.125%*
0.000%*
0.250%*
0.125%*
0.000%*
Club Account $0.00 Quarterly
Quarterly
Quarterly
$2500 and up
$100 - $2499.99
$99.99 and less
0.250%*
0.125%*
0.000%*
0.250%*
0.125%*
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.

 

Personal Checking Account - Rates

Account Minimum Balance Dividend Frequency Tier Dividend Rate APY
Achieve Checking No* Monthly ($1-15,000) 2.227% 2.25%
(>$15,000) 0.30% 0.30%
Grow Checking 500.00 Does not pay dividends N/A 0.00% 0.00%
Perform Checking $1,500.00 Quarterly 0.25% 0.25%
Explore Checking No Does not pay dividends 0.00% 0.00%
Arrive 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.

Personal IRA Certificate Accounts - Rates

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% 0.650%
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.

Personal Jumbo Share Certificates - Rates

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $100,000 At Maturity 0.100% 0.100%
60 Day $100,000 At Maturity 0.150% 0.150%
90 Day $100,000 At Maturity 0.350% 0.350%
6 Month $100,000 At Maturity 0.500% 0.500%
12 Month $100,000 At Maturity 0.750% 0.750%
18 Month $100,000 At Maturity 0.850% 0.850%
24 Month $100,000 At Maturity 1.000% 1.000%
36 Month $100,000 At Maturity 1.250% 1.250%
48 Month $100,000 At Maturity 1.600% 1.600%
60 Month $100,000 At Maturity 1.900% 1.900%

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 - Rates

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500 At Maturity 0.050% 0.050%
60 Day $500 At Maturity 0.100% 0.100%
90 Day $500 At Maturity 0.300% 0.300%
6 Month $500 At Maturity 0.400% 0.400%
12 Month $500 Quarterly 0.600% 0.600%
18 Month $500 Quarterly 0.700% 0.700%
24 Month $500 Quarterly 0.850% 0.850%
30 Month $500 Quarterly 0.950% 0.950%
36 Month $500 Quarterly 1.100% 1.100%
39 Month*
Smart Bump Up
$10,000* Quarterly 1.100% 1.100%
48 Month $500 Quarterly 1.450% 1.460%
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.

*The entire balance deposited to this certificate account must come from an external source (not an existing MAX account). Any MAX customer with a checking account is eligible to apply for this account. The new dividend rate will not be applied retroactively. Early withdrawal of funds will result in a penalty of 365 days' dividends. The penalty will not exceed dividends earned up to the date of early withdrawal.

Personal Money Market Accounts - Rates

Account Tier 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 0.290% 0.290%
Performance MMA Tier 3 $25,000 Monthly 0.330% 0.330%
Performance MMA Tier 4 $50,000 Monthly 0.370% 0.370%
Performance MMA Tier 5 $100,000 Monthly 0.410% 0.410%
Performance MMA Tier 6 $250,000 Monthly 0.450% 0.450%
Performance MMA Tier 7 $500,000 Monthly 0.490% 0.490%

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.

Personal Secured Loans - Rates

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.

Personal Unsecured Loans - Rates

Description Term Rate/APR
$1000.00 Minimum
Apply Now >>
48 Months As Low As 7.49%
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.

Personal Credit Cards - Rates

Description APR Fee
MAX MasterCard®
Apply Now >>
9.99%, 10.90%, 12.50% based on creditworthiness No
MAX VISA®
Apply Now >>
9.99%, 10.90%, 12.50 based on creditworthiness No
MAX Smart Rewards VISA®
Apply Now >>
12.25% - 18.00% based on creditworthiness  No

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.

MasterCard® is a registered trademark of MasterCard International Incorporated

VISA® is a registered trademark of Visa International Service Association

Personal Home Loans, Home Mortgage - Rates

Type Terms Rate Information Notes
Mortgage
Apply Online >>
Fixed and Adjustable up to 30 Years View Rates (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. 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.

Personal Home Equity Line of Credit - Rates

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%

Your APR will vary based on your final loan amount and finance charges. Note: MAX only finances property within the state of Alabama. 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.

Personal Home Equity Loans - Rates

Type Terms Rate Information Notes
Home Equity Loan
Apply Online >>
6 Year Fixed Rate As Low As
Rate: 6.00%
APR: 6.00%
(Primary and Secondary Residence)
Home Equity Loan
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. 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 Rates

Business Checking Accounts - Rates

Account Name Minimum Balance Rate APY
Aspire+ $0 - $2,499 0.000% 0.000%
Aspire+ $2,500 - $9,999 0.100% 0.100%
Aspire+ $10,000 - $24,999 0.200% 0.200%
Aspire+ $25,000 - $49,999 0.300% 0.300%
Aspire+ $50,000 - $99,999 0.399% 0.400%
Aspire+ $100,000 - 249,000 0.399% 0.400%
Aspire+ $250,000+ 0.399% 0.400%
Business MAXI CHECK   0.250% 0.250%
Non Profit MAXI CHECK   0.250% 0.250%

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.

Business Certificate Accounts - Rates

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500 At Maturity 0.050% 0.050%
60 Day $500 At Maturity 0.100% 0.100%
90 Day $500 At Maturity 0.250% 0.250%
6 Month $500 At Maturity 0.400% 0.400%
12 Month $500 Quarterly 0.600% 0.600%
18 Month $500 Quarterly 0.700% 0.700%
24 Month $500 Quarterly 0.850% 0.850%
30 Month $500 Quarterly 0.950% 0.950%
36 Month $500 Quarterly 1.100% 1.100%
48 Month $500 Quarterly 1.450% 1.460%
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.

Business Money Market Accounts - Rates

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 0.290% 0.290%
Business MMA Tier 3 $25,000 Monthly 0.330% 0.330%
Business MMA Tier 4 $50,000 Monthly 0.370% 0.370%
Business MMA Tier 5 $100,000 Monthly 0.410% 0.410%
Business MMA Tier 6 $250,000 Monthly 0.450% 0.450%
Business MMA Tier 7 $500,000 Monthly 0.490% 0.490%

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.

MasterCard® is a registered trademark of MasterCard International Incorporated

VISA® is a registered trademark of Visa International Service Association