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Rates & Disclosures


Rates effective as of December 1, 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
1.76% 1.78%
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 1.85% 1.87%
18 Months 1.90% 1.92%
24 Months 2.10% 2.12%
36 Months 2.35% 2.38%
48 Months 2.45% 2.48%
60 Months 2.60% 2.63%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.85% 1.87%
18 Months 1.90% 1.92%
24 Months 2.10% 2.12%
36 Months 2.35% 2.38%
48 Months 2.45% 2.48%
60 Months 2.60% 2.63%
IRA Savings 1.85% 1.87%

Loan Rates

Type of Loan Rates
New Car
(up to 72 months)
3.75% to 16.00%
Used Car - less than 100,000 Miles
(up to 72 months)
4.75% to 16.00%
Used Car - greater than 100,000 Miles
(up to 48 months)
6.75% to 16.00%
Motorcycles
(up to 60 months)
7.25% to 16.00%
Share-Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)
10.00% to 16.00%
Overdraft Line of Credit 11.50% to 16.00%
Credit Card
(Depending on credit worthiness)
11.75% to 16.25%
Home Equity Loan
(80% or less- combined loan-to-value CLTV)
8.00% to 11.50%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)
7.00% to 10.50%

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

See our fee schedule.

See master account agreement & disclosures (membership booklet).