Rates


Rates effective as of August 2015.

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
Minimum $500 to open
$500 - $500,000 0.44% 0.44%
$500,000 and over 0.54% 0.54%
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 1.05% 1.06%
24 Months 1.05% 1.06%
36 Months 1.30% 1.31%
48 Months 1.55% 1.56%
60 Months 1.55% 1.56%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.05% 1.06%
18 Months 1.05% 1.06%
24 Months 1.05% 1.06%
36 Months 1.30% 1.31%
48 Months 1.55% 1.56%
60 Months 1.55% 1.56%
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) 5.75% to 16.00%
RVs, Motorcycles, Boats (up to 60 months) 7.25% to 13.75%
Share Secured Account Rate + 4%
Signature- Unsecured (up to 48 months) 8.25% to 16.00%
Overdraft Line of Credit 9.25% 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.