Rates effective as of December 1, 2018. View fees (and how to avoid many of them) on our fee schedule. 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 1.76% 1.78% 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 1.85% 1.87% 18 Months 1.90% 1.92% 24 Months 2.10% 2.12% 36 Months 2.35% 2.38% 48 Months 2.45% 2.48% 60 Months 2.60% 2.63% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 1.85% 1.87% 18 Months 1.90% 1.92% 24 Months 2.10% 2.12% 36 Months 2.35% 2.38% 48 Months 2.45% 2.48% 60 Months 2.60% 2.63% IRA Savings 1.85% 1.87% Loan Rates Type of Loan Rates New Car (up to 72 months) 3.75% to 16.00% Used Car - less than 100,000 Miles (up to 72 months) 4.75% to 16.00% Used Car - greater than 100,000 Miles (up to 48 months) 6.75% to 16.00% Motorcycles (up to 60 months) 7.25% to 16.00% Share-Secured Account Rate + 4.00% Signature- Unsecured (up to 48 months) 10.00% to 16.00% Overdraft Line of Credit 11.50% to 16.00% Credit Card (Depending on credit worthiness) 11.75% to 16.25% Home Equity Loan (80% or less- combined loan-to-value CLTV) 8.00% to 11.50% Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value CLTV) 7.00% to 10.50% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield See our fee schedule. See master account agreement & disclosures (membership booklet).