Personal Financial Rates


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Auto & Vehicle Loans

Our experienced lending team is ready to have you driving in style with affordable loans, flexible repayment plans, and fast approvals.

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Rates
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Vehicle fixed rates as low as 3.99% APR
Recreational fixed rate loans as low as 5.25% APR

All rates quoted as Annual Percentage Rate (APR). APR may be different based on credit performance, year of collateral and term. 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. Lowest rates require MAX checking account. For qualified borrowers. Certain restrictions apply.


Personal Savings Accounts

Whether you're saving for something specific or you're creating a safety net for your family, our accounts are designed to help you get the most for your money.

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Account Minimum Balance Tier Dividend Frequency Dividend Rate APY 
Share

$5.00 $2500 and up Quarterly 0.150%* 0.150%*
Share $5.00 $100 - $2499.99 Quarterly 0.075%* 0.075%*
Share $5.00 $99.99 and less Quarterly 0.000%* 0.000%*
Club Account $0.00 $2500 and up Quarterly 0.150%* 0.150%*
Club Account $0.00 $100 - $2499.99 Quarterly 0.075%* 0.075%*
Club Account $0.00 $99.99 and less Quarterly 0.000%* 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 Accounts

It's your money. You should have a big say in how you manage it. While all MAX accounts include a free debit card, nationwide ATM access, and time-saving digital banking, you're free to choose other features based on your finances and lifestyle.

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Account Minimum Balance   Dividend Frequency  Tier Dividend Rate APY 
Achieve Checking No* Monthly ($1-15,000) 2.227% 2.25%
Achieve Checking No* Monthly (>$15,000) 0.25% 0.25%
Perform Checking $1,500.00 Quarterly 0.15% 0.15% N/A
Explore Checking No Does not pay dividends 0.00%  0.00%  N/A
Arrive Checking No  Does not pay dividends 0.00%  0.00%  N/A

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

Bring your retirement into focus today. By launching one of MAX's tax-advantaged individual retirement accounts (IRAs) and making steady contributions, you'll put yourself in position to turn pleasant dreams into happy reality.

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Type Rate Type Dividend Frequency  Dividend Rate APY 
6 Month IRA Variable Rate Monthly 0.40% 0.40%
12 Month IRA Fixed Rate Monthly 0.55% 0.55%
18 Month IRA Fixed Rate Monthly 0.65% 0.65%
30 Month IRA Fixed Rate Monthly 0.75% 0.75%

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.


Certificate Accounts

In an uncertain world, certificates of deposit (CDs) are a sure thing. The moment you open one, you know exactly how much you'll earn. And, because you get to choose the investment period - ranging from three months to five years - you know the exact day your money will be available.

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Type Minimum Deposit Dividend Frequency Dividend Rate APY 
90 Day $500 At Maturity 0.20% 0.20%
6 Month $500 At Maturity 0.40% 0.40%
7 Month* $10,000 At Maturity 1.15% 1.15%
12 Month $500 Quarterly 0.55% 0.55%
15 Month** $10,000 Quarterly 2.50% 2.52%
18 Month $500 Quarterly 0.65% 0.65%
24 Month $500 Quarterly 0.75% 0.75%
30 Month $500 Quarterly 0.75% 0.75%
36 Month $500 Quarterly 0.85% 0.85%
39 Month Smart Bump Up
$10,000 Quarterly 0.85% 0.85%
48 Month $500 Quarterly 0.95% 0.95%
60 Month
$500 Quarterly 1.05% 1.05%
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.

* Renews at regular 6 month CD rate. Early withdrawal penalty is equal to 90 days of dividends.

** Checking account required. Renews at regular 12 month CD rate. Early withdrawal penalty is equal to 365 days of dividends. This is regardless of the amount of interest earned, meaning the early withdrawal could result in a loss of principal.
 

Personal Jumbo Share Certificates

In an uncertain world, certificates of deposit (CDs) are a sure thing. The moment you open one, you know exactly how much you'll earn. And, because you get to choose the investment period - ranging from three months to five years - you know the exact day your money will be available.

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Type Minimum Deposit Dividend Frequency Dividend Rate APY 
90 Day $100,000 At Maturity 0.20% 0.20%
6 Month $100,000 At Maturity 0.40% 0.40%
12 Month $100,000 At Maturity 0.55% 0.55%
18 Month $100,000 At Maturity 0.65% 0.65%
24 Month $100,000 At Maturity 0.75% 0.75%
30 Month $100,000 At Maturity 0.75% 0.75%
36 Month $100,000 At Maturity 0.85% 0.85%
48 Month $100,000 At Maturity 0.95% 0.95%
60 Month
$100,000 At Maturity 1.05% 1.05%

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.


Personal Money Market Accounts

Whether you're saving for something specific or you're creating a safety net for your family, our accounts are designed to help you get the most for your money.

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Account Tier Minimum Balance Dividend Frequency Dividend Rate APY 
Private Reserve  n/a $2,500 Monthly 0.300% 0.300%
Performance MMA Tier 1 $1 Monthly 0.150% 0.150%
Performance MMA Tier 2 $5,000 Tier 1Monthly 0.250% 0.250%
Performance MMA Tier 3 $25,000 Monthly 0.400% 0.400%
Performance MMA Tier 4 $50,000 Monthly 0.400% 0.400%
Performance MMA Tier 5 $100,000 Monthly 0.500% 0.500%
Performance MMA Tier 6 $250,000 Monthly 0.500% 0.500%
Performance MMA Tier 7 $500,000 Monthly 0.500% 0.500%

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.


Elevate Money Market Account - Reverse Money Market

With MAX's Elevate Money Market, you can earn a higher dividend rate with a modest balance, make deposits anytime, and access your money whenever you need it. It’s that easy!

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Tier Dividend Frequency APY 
up to $2,500 Monthly 3.00%
$2,500.01 – $5,000 Monthly 2.00%
$5,000.01 – $15,000 Monthly 0.50%
$15,000.01 and up Monthly
0.25%

APY = Annual Percentage Yield. Minimum deposit of $50 required to open an Elevate Money Market account. Age restrictions apply.


Personal Loans

MAX offers several types of Personal Loans that can help you bridge the gap and keep your finances on track.

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Description  Term Rates/APR
$1000.00 Minimum 48 Months As Low As 7.75%
Revolving Line of Credit n/a 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. For qualified borrowers. Certain restrictions apply.


Credit Cards

MAX credit cards move past flash and glamor to provide what you really want — purchasing power, low rates, and easy-to-grasp benefits.

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Description APR Fee
MAX Visa Signature  13.75% – 18.00% based on creditworthiness No
MAX Mastercard® 9.74% – 18.00% based on creditworthiness No
MAX Visa® 9.74% – 18.00% based on creditworthiness No
MAX Smart Rewards Visa® 12.00% – 18.00% based on creditworthiness  No
MAX Secured Visa® 9.25% – 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.


Home Loans and Mortgages

Buying a home is a big step. We're here to help.

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Type Terms Rate Information  Notes
Mortgage Fixed and Adjustable up to 30 Years (334) 215-4861 (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.


Home Equity Line of Credit

The equity you've built up in your home can unlock low-cost loans that may be used to cover repairs, additions, big-ticket purchases, family celebrations, college tuition - and pretty much anything else you can think of.

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Type Rate Type Term Rate APR
Equity Line of Credit 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.


Home Equity Loans
Type Terms Rate Information APR Notes
Home Equity Loan 6 Year Fixed Rate As Low As
Rate: 7.00%
As Low As
 7.00%
Primary and Secondary Residence
Home Equity Loan 10 Year Fixed Rate As Low As
Rate: 8.00%
As Low As
8.00%
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.



















MAX Credit Union is a full-service financial institution serving Central and East Alabama, including Montgomery, AL; Auburn, AL; Opelika, AL; Prattville, AL; Wetumpka, AL; and Troy, AL.
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