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Rates & Disclosures


Rates effective as of November 1, 2020.

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
0.25% 0.25%
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 0.40% 0.40%
18 Months 0.40% 0.40%
24 Months 0.45% 0.45%
36 Months 0.55% 0.55%
48 Months 0.55% 0.55%
60 Months 0.60% 0.60%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 0.40% 0.40%
18 Months 0.40% 0.40%
24 Months 0.45% 0.45%
36 Months 0.55% 0.55%
48 Months 0.55% 0.55%
60 Months 0.60% 0.60%
IRA Savings 0.40% 0.40%

Loan Rates

Type of Loan Rates
New Car
(up to 72 months)
3.00% to 12.75%
Used Car - less than 100,000 Miles
(up to 72 months)
4.00% to 13.75%
Used Car - greater than 100,000 Miles
(up to 48 months)
6.00% to 15.75%
Motorcycles
(up to 60 months)
6.50% to 16.00%
Share-Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)
9.25% to 16.00%
Overdraft Line of Credit 10.25% to 16.00%
Credit Card
(Depending on credit worthiness)
9.75% to 14.25%
Home Equity Loan
(80% or less- combined loan-to-value CLTV)
6.00% to 9.50%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)
5.00% to 8.50%

* APR = Annual Percentage Rate
** APY = Annual Percentage Yield

See our fee schedule.

See Master Account Agreement & Disclosures (membership booklet).