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Rates
 
Consumer Loan Rates (Updated 04/11/2008)*
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.
MAX will now charge one rate for new and used vehicles. This includes all vehicle types that MAX finances i.e. tractors, boats, RV's, etc.

Type Term Rate APR Notes
New & Used Cars and Trucks - Fixed
Apply Now 		 01-36 Months  5.40%  5.15%  As low as 4.9% with direct deposit. 
  37-48 Months  5.65%  5.40%  As low as 5.15% with direct deposit. 
  49-60 Months  5.90%  5.65%  As low as 5.40% with direct deposit. 
  61-72 Months  6.50%  6.25%  $15,000 & Greater 
  73-84 Months  7.90%  7.65%  $25,000 & Greater 
New Aircraft - Fixed    9.50%  9.50%   
Used Aircraft - Fixed    9.99%  9.99%   
Motorcycles, ATVs, RVs & Boats - Fixed
Apply Now 		 01-36 Months  6.65%  6.65%   
  37-48 Months  7.15%  7.15%   
  49-60 Months  7.65%  7.65%   
  61-72 Months  8.25%  8.25%  $20,000 & Greater 
  73-84 Months  9.65%  9.65%  $35,000 & Greater 

 

 
Consumer Adjustable Rates (Updated 02/20/2008)*
All rates quoted as Annual Percentage Rate. (APR)
New and Used Vehicles

Type Term Rate APR Notes
Family Vehicle Loans
Apply Now 		 01-36 Months  4.80%  4.80%   
  37-60 Months  5.80%  5.80%   
  61-72 Months  6.34%  6.34%  $20,000 & Greater 
  73-84 Months  7.80%  7.80%  $35,000 & Greater 
New Aircraft    9.25%  9.25%   
Used Aircraft    9.74%  9.74%   
New Boat, Motor, Trailer
Apply Now 		   5.80%  5.80%   
Used Boat, Motor, Trailer
Apply Now 		   6.34%  6.34%   
New Motor Home
Apply Now 		   5.35%  5.35%   
Used Motor Home
Apply Now 		   6.35%  6.35%   

 

 
Miscellaneous Loans (Updated 02/20/2008)*
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.

Type Rate APR
Share Secured
Apply Now 		   2% above Dividend Rate 
Certificate Loan
Apply Now 		   2% above Dividend Rate 
New & Used Household Goods
Apply Now 		   11.00% ^ 
PC Loan
Apply Now 		   11.00% ^ 

 

 
Consumer Unsecured Fixed Rates (Updated 02/20/2008)*
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.

Description Term Rate APR
$1000.00 Minimum
Apply Now 		 Max 48 Months    11.00% ^ 
Guarantor
Apply Now 		 Max 36 Months    17.00% 
Revolving Line of Credit
Apply Now 		     18.00% 
VISA® & MasterCard®
Apply Now 		     12.50% 
Gold MasterCard®
Apply Now 		     10.90% 
Platinum VISA®
Apply Now 		     7.90% 

 

 
Mortgage Rates (Updated 02/20/2008)*
^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.

Type Terms Rate Information Notes
First Mortgage
Apply Now 		 Fixed and Adjustable up to 40 Years  View Rates  (Primary and Secondary Residence) 
Second Mortgage
Apply Now 		 6 Year Fixed Rate  As Low As
Rate: 5.00%
APR: 5.00% 		 (Primary and Secondary Residence) 
Second Mortgage
Apply Now 		 10 Year Fixed Rate  As Low As
Rate: 6.00%
APR: 6.00% 		 (Primary and Secondary Residence) 

 

 
Equity Line Rates (Updated 05/09/2008)*
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. For questions, please contact our Mortgage Services department at 334.215.4861 or 1.800.776.6776, ext. 4861.

Type Rate Type Term Rate APR Notes
Equity Line of Credit
Apply Now 		 Adjustable
Rate 		 15 Year  as low as
5.00% 		 as low as
5.00% 		  

 

 
Truth-In-Savings Rate Disclosure
Share, Club & Share Draft Accounts (Updated 02/29/2008)*
All rates quoted as Annual Percentage Yield. (APY)
As of the last dividend declaration date, the dividend rate was as shown below, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure.


Account Minimum Balance Dividend Frequency Dividend Rate APY
Shares
Apply Now 		 5.00  Quarterly  1.25%  1.26% 
Club Account  0.00  Quarterly  1.25%  1.26% 
Me Checking
Apply Now 		 0.00  Monthly  2.716%  2.750% 
MAXI CHEK  500.00  Does Not Pay Dividends     
Economy CHEK  0.00  Does Not Pay Dividends     
Classic CHEK  0.00  Does Not Pay Dividends     
Performance CHEK Plus  1500.00  Quarterly  1.00%  1.00% 
Business MAXI CHEK  1000.00  Quarterly  0.75%  0.75% 
Non Profit MAXI CHEK  0.00  Quarterly  0.75%  0.75% 

 

 
Truth-In-Savings Rate Disclosure
Certificate Accounts (Updated 04/01/2008)*
All rates quoted as Annual Percentage Yield. (APY)
The Dividend Rate and Annual Percentage Yield (APY) on our Share Certificate and Individual Retirement Accounts (IRAS) are reflected in the chart below. 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 Truth-in-Savings Disclosure. Certificate Rate changes are effective on Wednesday morning each week and IRA rates change monthly on the first day of each month.

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day  $500  At Maturity  1.240%  1.250% 
60 Day  $500  At Maturity  1.490%  1.500% 
90 Day  $500  At Maturity  1.985%  2.000% 
06 Month  $500  At Maturity  3.076%  3.100% 
12 Month  $500  Quarterly  2.967%  3.000% 
18 Month  $500  Quarterly  2.967%  3.000% 
24 Month  $500  Quarterly  2.967%  3.000% 
30 Month  $500  Quarterly  2.967%  3.000% 
36 Month  $500  Quarterly  2.967%  3.000% 

 

 
Truth-In-Savings Rate Disclosure
IRA Certificate Accounts (Updated 04/30/2008)*
All rates quoted as Annual Percentage Yield. (APY)
The Dividend Rate and Annual Percentage Yield (APY) on our Share Certificate and Individual Retirement Accounts (IRAS) are reflected in the chart below. 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 Truth-in-Savings Disclosure. Certificate Rate changes are effective on Wednesday morning each week and IRA rates change monthly on the first day of each month.

Type Rate Type Dividend Frequency Dividend Rate APY
06 Month IRA  Variable Rate  Monthly  2.862%  2.900% 
12 Month IRA  Fixed Rate  Monthly  2.862%  2.900% 
18 Month IRA  Fixed Rate  Monthly  2.960%  3.000% 
30 Month IRA  Fixed Rate  Monthly  2.960%  3.000% 

 

 
Truth-In-Savings Rate Disclosure
Jumbo Share Certificates (Updated 04/01/2008)*
All rates quoted as Annual Percentage Yield. (APY)
The Dividend Rate and Annual Percentage Yield (APY) on our Jumbo Share Certificate Accounts are reflected in the chart below. The Rate and APY are those that were 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 Truth-In-Savings Disclosure. Certificate Rate changes are effective on Wednesday morning each week.

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day  $100,000  At Maturity  2.135%  2.135% 
60 Day  $100,000  At Maturity  2.135%  2.135% 
90 Day  $100,000  At Maturity  2.135%  2.135% 
06 Month  $100,000  At Maturity  3.226%  3.226% 
12 Month  $100,000  At Maturity  3.150%  3.150% 
18 Month  $100,000  At Maturity  3.150%  3.150% 
24 Month  $100,000  At Maturity  3.150%  3.150% 
30 Month  $100,000  At Maturity  3.150%  3.150% 

 

 
Truth-In-Savings Rate Disclosure
Consumer Money Market Accounts (Updated 04/30/2008)*
All rates quoted as Annual Percentage Yield. (APY)
The Dividend Rate and Annual Percentage Yield (APY) on our Money Market accounts are reflected in the chart below. The rate and APY are those that are 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 Truth-In-Savings Disclosure. Rate changes are effective on the first day of each month.

Account Minimum Balance Dividend Frequency Dividend Rate APY
Private Reserve  $2,500.00  Monthly  0.698%  0.700% 
Performance MMA Tier 1  $1  Monthly  1.000%  1.000% 
Performance MMA Tier 2  $5,000  Monthly  1.785%  1.800% 
Performance MMA Tier 3  $25,000  Monthly  2.227%  2.250% 
Performance MMA Tier 4  $50,000  Monthly  2.472%  2.500% 
Performance MMA Tier 5  $100,000  Monthly  2.472%  2.500% 
Performance MMA Tier 6  $250,000  Monthly   2.472%  2.500% 
Performance MMA Tier 7  $500,000  Monthly  2.570%  2.600% 

 

 
Truth-In-Savings Rate Disclosure
Business Money Market Accounts (Updated 04/30/2008)*
All rates quoted as Annual Percentage Yield. (APY)
The Dividend Rate and Annual Percentage Yield (APY) on our Money Market accounts are reflected in the chart below. The rate and APY are those that are 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 Truth-In-Savings Disclosure. Rate changes are effective on the first day of each month.

Account Minimum Balance Dividend Frequency Dividend Rate APY
Business MMA Tier 1  $1  Monthly  1.000%  1.000% 
Business MMA Tier 2  $5,000   Monthly  1.785%  1.800% 
Business MMA Tier 3  $25,000   Monthly  2.227%  2.250% 
Business MMA Tier 4  $50,000   Monthly  2.472%  2.500% 
Business MMA Tier 5  $100,000   Monthly  2.472%  2.500% 
Business MMA Tier 6  $250,000   Monthly  2.472%  2.500% 
Business MMA Tier 7  $500,000   Monthly   2.570%  2.600% 

 

 
Truth-In-Savings Rate Disclosure
Business Checking MAXimizer Plus (Updated 03/31/2008)*
All rates quoted as Annual Percentage Yield. (APY)
As of the last dividend declaration date, the dividend rate was as shown below, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure.


Account Name Rate APY
MAXimizer Plus 0 - $2,499  0.00%  0.00% 
MAXimizer Plus $2,500 - $9,999  0.25%  0.25% 
MAXimizer Plus $10,000 - $24,999  0.75%  0.75% 
MAXimizer Plus $25,000 - $49,999  0.995%  0.995% 
MAXimizer Plus $50,000 - $99,999  1.490%  1.500% 
MAXimizer Plus $100,000 - $249,999  2.472%  2.500% 
MAXimizer Plus $250,000+  2.570%  2.600% 

 



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