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Rates & Disclosures


Rates effective as of February 1, 2023.

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
0.15% 0.15%
Club Account 0.15% 0.15% 
Money Market
2.32% 2.35%
Small Business
Checking
0.05% 0.05%
Nonprofit Checking 0.05% 0.05%

Term Certificate Rates

Term APR* APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 3.50% 3.56%
18 Months 3.55% 3.61%
24 Months 3.60% 3.67%
36 Months 3.65% 3.72%
48 Months 3.65% 3.72%
60 Months 3.70% 3.77%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 3.50% 3.56%
18 Months 3.55% 3.61%
24 Months 3.60% 3.67%
36 Months 3.65% 3.72%
48 Months 3.65% 3.72%
60 Months 3.70% 3.77%
IRA Savings 3.50% 3.56%

Loan Rates

Type of Loan Rates
New Car
(up to 84 months)
7.00% to 16.00%
Used Car - less than 100,000 Miles
(up to 84 months)
7.75% to 16.00%
Used Car - greater than 100,000 Miles
(up to 48 months)
9.75% to 16.00%
Motorcycles
(up to 60 months)
10.50% to 16.00%
Share-Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)
14.25% to 16.00%
Overdraft Line of Credit 14.25% to 16.00%
Credit Card
(Depending on credit worthiness)
14.00% to 16.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)
8.75% to 9.50%

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

View current Fee Schedule.

View current Master Account Agreement & Disclosures (membership booklet).