Rates & Fees


Rates effective as of June 11, 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
1.49% 1.50%
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)
3.75% to 13.50%
Used Car - less than 100,000 Miles
(up to 72 months)
4.75% to 14.50%
Used Car - greater than 100,000 Miles
(up to 48 months)
6.75% 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)
10.00% to 16.00%
Overdraft Line of Credit 11.00% to 16.00%
Credit Card
(Depending on credit worthiness)
11.25% to 15.75%
Home Equity Loan
(80% or less- combined loan-to-value CLTV)
7.50% to 11.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value)
6.50% to 10.00%

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

See our fee schedule.

See account and membership disclosures.