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Rates & Disclosures


Rates effective as of December 1, 2019.

Scroll to the bottom of this page to access links to view fees and other disclosures.

Account Rates

Account APR* APY*
Personal Checking
0.10% 0.10%
Savings Account
0.25% 0.25%
Club Account 0.25% 0.25% 
Money Market
1.28% 1.28%
Small Business
Checking
0.05% 0.05%
Nonprofit Checking 0.05% 0.05%

Term Certificate Rates

Term APR* APY**
3 Months 0.25% 0.25%
6 Months 0.25% 0.25%
12 Months 1.95% 1.97%
18 Months 2.00% 2.02%
24 Months 2.05% 2.07%
36 Months 2.20% 2.22%
48 Months 2.25% 2.28%
60 Months 2.30% 2.33%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.95% 1.97%
18 Months 2.00% 2.02%
24 Months 2.05% 2.07%
36 Months 2.20% 2.22%
48 Months 2.25% 2.28%
60 Months 2.30% 2.33%
IRA Savings 1.95% 1.97%

Loan Rates

Type of Loan Rates
New Car
(up to 72 months)
2.50% to 15.75%
Used Car - less than 100,000 Miles
(up to 72 months)
3.50% to 16.00%
Used Car - greater than 100,000 Miles
(up to 48 months)
5.50% to 16.00%
Motorcycles
(up to 60 months)
6.00% to 16.00%
Share-Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)
8.75% to 15.75%
Overdraft Line of Credit 10.25% to 16.00%
Credit Card
(Depending on credit worthiness)
11.25% to 13.75%
Home Equity Loan
(80% or less- combined loan-to-value CLTV)
7.50% to 11.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)
6.50% to 10.00%

* APR = Annual Percentage Rate
** APY = Annual Percentage Yield

See our fee schedule.

See Master Account Agreement & Disclosures (membership booklet).