Rates effective as of February 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 1.88% 1.90% 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 2.10% 2.12% 18 Months 2.15% 2.17% 24 Months 2.35% 2.38% 36 Months 2.60% 2.63% 48 Months 2.70% 2.74% 60 Months 2.85% 2.89% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 2.10% 2.12% 18 Months 2.15% 2.17% 24 Months 2.35% 2.38% 36 Months 2.60% 2.63% 48 Months 2.70% 2.74% 60 Months 2.85% 2.89% IRA Savings 2.10% 2.12% Loan Rates Type of Loan Rates New Car (up to 72 months) 3.50% to 16.00% Used Car - less than 100,000 Miles (up to 72 months) 4.50% to 16.00% Used Car - greater than 100,000 Miles (up to 48 months) 6.50% to 16.00% Motorcycles (up to 60 months) 7.00% to 16.00% Share-Secured Account Rate + 4.00% Signature- Unsecured (up to 48 months) 9.75% to 16.00% Overdraft Line of Credit 11.25% to 16.00% Credit Card (Depending on credit worthiness) 12.00% to 16.50% Home Equity Loan (80% or less- combined loan-to-value CLTV) 8.25% to 11.75% Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value CLTV) 7.25% to 10.75% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield See our fee schedules. See master account agreement & disclosures (membership booklet).