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).