Rates effective as of January 1, 2022. 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 0.15% 0.15% Club Account 0.15% 0.15% Money Market 0.20% 0.20% Small Business Checking 0.05% 0.05% Nonprofit Checking 0.05% 0.05% Term Certificate Rates Term APR* APY** 3 Months 0.10% 0.10% 6 Months 0.15% 0.15% 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) 2.75% to 12.50% Used Car - less than 100,000 Miles (up to 72 months) 3.50% to 13.25% Used Car - greater than 100,000 Miles (up to 48 months) 5.50% to 15.25% Motorcycles (up to 60 months) 6.25% to 16.00% Share-Secured Account Rate + 4.00% Signature- Unsecured (up to 48 months) 9.00% to 16.00% Overdraft Line of Credit 10.00% to 16.00% Credit Card (Depending on credit worthiness) 9.75% to 14.25% 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 View current Fee Schedule. View current Master Account Agreement & Disclosures (membership booklet).