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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 0.13%
  10,000.00 0.15%
  25,000.00 0.17%
  50,000.00 0.19%
  75,000.00 0.21%
  100,000.00 0.23%
Rates are effective as of August 1, 2020. 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 APRas low as 
New or Used Auto Loans  48 months 2.99%
  63 months 2.99%
  75 months 2.99%
  84 months 3.24%
Rates are effective as of April 1, 2021.
1APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum loan amount of $5,000. Rates are based on 2017 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 APRas 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, 2020.
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 2020 model or newer. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
Motorcycle Loans
  Term APRas low as
Motorcycle Loans  60 months 6.75%
  72 months 7.00%
Rates are effective as of January 1, 2020.
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 2020 model or newer. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. 
Personal Loans
  Term APRas 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 
Mortgages Check Rates
Home Equity Loan3 6.00%
Home Equity Line of Credit4  3.75%
Rates are effective as of April 23, 2020.
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 

Type of Account Dividends Compounded Dividends Credited
Interest Checking Monthly End of Month
Membership Savings Quarterly End of Quarter
Money Market Monthly End of Month
Christmas Club Monthly End of Month
Cookie Jar Monthly End of Month
IRA Savings Quarterly End of Quarter
Business Savings Quarterly End of Quarter
3 Month Certificate Quarterly At Maturity
6 Month Certificate Semiannually At Maturity
12 Month Certificate Quarterly Quarterly
12 Month Add-On Certificate Quarterly Quarterly
24 Month Certificate Quarterly Quarterly
36 Month Certificate Quarterly Quarterly
60 Month Certificate Quarterly Quarterly
18 Month IRA Certificate Quarterly Quarterly
30 Month IRA Certificate Quarterly Quarterly
12 Month IRA Quarterly Quarterly
12 Month Add-On IRA Quarterly Quarterly