Rates effective as of August 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 1.56% 1.57% 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 1.70% 1.71% 18 Months 1.70% 1.71% 24 Months 1.95% 1.97% 36 Months 2.20% 2.22% 48 Months 2.20% 2.22% 60 Months 2.45% 2.48% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 1.70% 1.71% 18 Months 1.70% 1.71% 24 Months 1.95% 1.97% 36 Months 2.20% 2.22% 48 Months 2.20% 2.22% 60 Months 2.45% 2.48% IRA Savings 1.70% 1.71% 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) 6.75% 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) 11.50% to 15.75% Home Equity Loan (80% or less- combined loan-to-value CLTV) 7.75% to 11.25% Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value) 6.75% to 10.25% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield See our fee schedule. See account and membership disclosures.