Rates effective as of 10/01/2014.

Account Rates

AccountAPR*APY**
Basic Checking0.05%0.05%
Premium Checking0.15%0.15%
Savings Account0.25%0.25%
Club Accounts0.25%0.25%
Money Market

Minimum $500 to open

$500 - $500,0000.40%0.40%
$500,000 and over0.50%0.50%
Small Business Checking0.05%0.05%
Nonprofit Checking0.05%0.05%

Term Certificate Rates

TermAPR*APY**
3 Months0.25%0.25%
6 Months0.25%0.25%
12 Months0.80%0.80%
18 Months0.80%0.80%
24 Months1.00%1.01%
36 Months1.25%1.26%
48 Months1.50%1.51%
60 Months1.50%1.51%

Individual Retirement Accounts (IRAs) Rates

TermAPR*APY**
12 Months0.80%0.80%
18 Months0.80%0.80%
24 Months1.00%1.01%
36 Months1.25%1.26%
48 Months1.50%1.51%
60 Months1.50%1.51%
IRA Savings0.80%0.80%

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)5.75% to 16.00%
RVs, Motorcycles, Boats (up to 60 months)7.25% to 13.75%
Share SecuredAccount Rate + 4%
Signature- Unsecured(up to 48 months)8.25% to 16.00%
Overdraft Line of Credit9.25% to 16.00%
Credit Card(Depending on credit worthiness)9.75% to 16.25%
Home Equity Loan(90% or less- combined loan-to-value CLTV)6.00% to 10.50%
Home Equity Line of Credit- HELOC (90% or less- combined loan-to-value) 5.00% to 9.50%

* APR = Annual Percentage Rate

** APY = Annual Percentage Yield.


See our fee schedule.

See account and membership disclosures.