Rates effective as of July 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 1.25% 1.26% Money Market $500,000 and over 1.35% 1.36% 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 1.05% 1.06% 18 Months 1.30% 1.31% 24 Months 1.30% 1.31% 36 Months 1.55% 1.56% 48 Months 1.80% 1.82% 60 Months 1.80% 1.82% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 1.05% 1.06% 18 Months 1.30% 1.31% 24 Months 1.30% 1.31% 36 Months 1.55% 1.56% 48 Months 1.80% 1.81% 60 Months 1.80% 1.81% IRA Savings 1.05% 1.06% Loan Rates New Car (up to 72 months) 2.75% to 14.75% Used Car - less than 100,000 Miles (up to 60 months) 3.75% to 15.75% Used Car - greater than 100,000 Miles (up to 48 months) 6.00% 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.