Rates & Fees


Rates effective as of November 1, 2017.

Learn about our fees, as well as how to waive many of them, on our fee schedule.

Account Rates

Account APR* APY*
Basic Checking
0.05% 0.05%
Premium Checking
0.15% 0.15%
Savings Account
0.25% 0.25%
Club Account 0.25% 0.25% 
Money Market
$500 - $500,000
1.26% 1.27%
Money Market
$500,000 and over
1.36% 1.37%
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 1.30% 1.31%
18 Months 1.30% 1.31%
24 Months 1.55% 1.56%
36 Months 1.80% 1.82%
48 Months 1.80% 1.82%
60 Months 2.05% 2.07%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.30% 1.31%
18 Months 1.30% 1.31%
24 Months 1.55% 1.56%
36 Months 1.80% 1.82%
48 Months 1.80% 1.82%
60 Months 2.05% 2.07%
IRA Savings 1.30% 1.31%

Loan Rates

Type of Loan Rates
New Car (up to 72 months) 2.25% to 15.50%
Used Car - less than 100,000 Miles (up to 72 months) 3.25% to 16.00%
Used Car - greater than 100,000 Miles (up to 48 months) 5.25% to 16.00%
RVs, Motorcycles, Boats (up to 60 months) 8.25% to 16.00%
Share Secured Account Rate + 4.5%
Signature- Unsecured (up to 48 months) 9.00% to 16.00%
Overdraft Line of Credit 10.00% to 16.00%
Credit Card (Depending on credit worthiness) 10.75% to 15.25%
Home Equity Loan (80% or less- combined loan-to-value CLTV) 7.00% to 10.50%
Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value) 6.00% to 9.50%

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

See our fee schedule.

See account and membership disclosures.