Rates

Savings

	MIN. BALANCE TO EARN APY1	APY1
Membership Savings	100.00	0.10%
Christmas Club	0.01	0.05%
Cookie Jar Club	0.01	0.05%
Super Saver	100.00	0.10%
IRA Savings	25.00	0.10%
Business Savings	100.00	0.10%

Rates are effective as of April 1, 2020.

¹APY = Annual percentage yield. 

Checking

	MIN. BALANCE TO EARN APY1	APY1
Interest Checking	1,000.00	0.05%

Rates are effective as of April 1, 2020.

¹APY = Annual percentage yield.

Money Market

	MIN. BALANCE TO EARN APY1	APY1
Money Market	1,000.00	0.18%
	10,000.00	0.20%
	25,000.00	0.22%
	50,000.00	0.24%
	75,000.00	0.26%
	100,000.00	0.28%

Rates are effective as of August 1, 2022. 

¹APY = Annual percentage yield.

Certificates

Certificates2	MIN. BALANCE TO EARN APY1	APY1
3 Month Certificate	1,000.00	0.18%
	10,000.00	0.20%
	25,000.00	0.22%
	50,000.00	0.24%
	75,000.00	0.26%
	100,000.00	0.28%

	MIN. BALANCE TO EARN APY1	APY1
6 Month Certificate	1,000.00	0.23%
	10,000.00	0.25%
	25,000.00	0.27%
	50,000.00	0.29%
	75,000.00	0.31%
	100,000.00	0.33%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Add-On Certificate3	100.00	0.25%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Certificate	1,000.00	0.28%
	10,000.00	0.30%
	25,000.00	0.32%
	50,000.00	0.34%
	75,000.00	0.36%
	100,000.00	0.38%

	MIN. BALANCE TO EARN APY1	APY1
24 Month Certificate	1,000.00	0.38%
	10,000.00	0.40%
	25,000.00	0.42%
	50,000.00	0.44%
	75,000.00	0.46%
	100,000.00	0.48%

	MIN. BALANCE TO EARN APY1	APY1
36 Month Certificate	1,000.00	0.43%
	10,000.00	0.45%
	25,000.00	0.47%
	50,000.00	0.49%
	75,000.00	0.51%
	100,000.00	0.53%

	MIN. BALANCE TO EARN APY1	APY1
60 Month Certificate	1,000.00	0.53%
	10,000.00	0.55%
	25,000.00	0.57%
	50,000.00	0.59%
	75,000.00	0.61%
	100,000.00	0.63%

Rates are effective as of March 17, 2020.

¹APY = Annual percentage yield.

²For Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open.

³12 Month Add-On Certificate and 12 Month IRA Add-On Certificate: $100 minimum balance to open.

IRA Certificates

IRA Certificates2	MIN. BALANCE TO EARN APY1	APY1
12 Month IRA Certificate	500.00	0.28%
	10,000.00	0.30%
	25,000.00	0.32%
	50,000.00	0.34%
	75,000.00	0.36%
	100,000.00	0.38%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Add On IRA Certificate3	100.00	0.25%

	MIN. BALANCE TO EARN APY1	APY1
18 Month IRA Certificate	500.00	0.33%
	10,000.00	0.35%
	25,000.00	0.37%
	50,000.00	0.39%
	75,000.00	0.41%
	100,000.00	0.43%

	MIN. BALANCE TO EARN APY1	APY1
30 Month IRA Certificate	500.00	0.38%
	10,000.00	0.40%
	25,000.00	0.42%
	50,000.00	0.44%
	75,000.00	0.46%
	100,000.00	0.48%

Rates are effective as of March 17, 2020.

¹APY = Annual percentage yield.

²For Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open. 

³12 Month Add-On Certificate and 12 Month IRA Add-On Certificate: $100 minimum balance to open.

Auto Loans

	Term	APR1 as low as
New or Used Auto Loans	48 months	3.49%
	63 months	3.94%
	75 months	4.04%
	84 months	4.59%

Rates are effective as of August 5, 2022.

¹APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum loan amount of $5,000. Rates are based on 2018 model or newer. Rate determined by creditworthiness, term of loan, and loan to value (LTV). Loan rates and terms based on creditworthiness and qualifying purchase, so your rate my differ. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. AllSouth does not permit internal refinances of an existing AllSouth auto loan.

Boat and RV Loans

	Term	APR1 as low as
Boat and RV Loans	60 months	5.50%
	72 months	5.75%
	84 months	6.25%
	120 months	6.50%

Rates are effective as of January 1, 2022.

¹APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Rate determined by creditworthiness, term of loan, and loan to value (LTV), so your rate may differ. Rates are based on 2021 model or newer. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.

Motorcycle Loans

	Term	APR1 as low as
Motorcycle Loans	60 months	6.75%
	72 months	7.00%

Rates are effective as of January 1, 2022.

¹APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Rate determined by creditworthiness, term of loan, and loan to value (LTV), so your rate may differ. Rates are based on 2021 model or newer. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. 

Personal Loans

	Term	APR1 as low as
Personal Loan2	up to 60 months	10.90%
Line of Credit3	Open	10.90%
Share Secured4	up to 60 months	4.75%
Certificate Secured5	Certificate Maturity	Certificate rate + 3.00%

Rates are effective as of January 1, 2020.

¹ APR = Annual Percentage Rate. 

²Rates and terms are subject to change without notice. Rate determined by creditworthiness and term of loan, so your rate may differ. Maximum loan amount is $15,000. Loan terms are dependent on amount borrowed. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.

³Rates and terms are subject to change without notice. Rate determined by creditworthiness and term of loan, so your rate may differ. Maximum line of credit amount is $15,000. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.

⁴Rates and terms are subject to change without notice. Terms and conditions are determined by creditworthiness. Maximum loan amount is 95% of the deposit account balance. Certain conditions and restrictions may apply.

⁵Rates and terms are subject to change without notice. Terms and conditions are determined by creditworthiness. Maximum loan amount is 95% of the certificate account balance. Loan term must be equal to or less than the certificate term. Certain conditions and restrictions may apply. 
 

Home Loans

	APR1 as low as
Mortgages2	Check Rates
Home Equity Loan3	6.25%
Home Equity Line of Credit4	6.00%

Rates are effective as of August 1, 2022.

¹ APR = Annual Percentage Rate.

²Available on primary residences located in the state of South Carolina. Qualification is subject to creditworthiness. Interest rates vary by product and are subject to change.

³Loan rates and terms based on creditworthiness. Rate determined by creditworthiness, term or loan and loan to value (LTV), so your rate may differ. Minimum loan amount is $10,000. Maximum term is 12 years. Rates, terms, and conditions are subject to change without notice. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Home equity products are available in the state of South Carolina. Property insurance is required. Flood insurance may be required. Other restrictions may apply.

⁴The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the Prime Rate as reported in The Wall Street Journal plus a margin based on creditworthiness. Rate determined by creditworthiness, term or loan and loan to value (LTV), so your rate may differ. The APR range is from 2.00% to a maximum of 18%. Minimum loan amount is $10,000. Rates, terms, and conditions are subject to change without notice. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Home equity products are available in the state of South Carolina. Property insurance is required. Flood insurance may be required. Other restrictions may apply. 

 

Deposit Account Dividend Information