Rates effective as of January 1, 2020. 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 0.25% 0.25% Club Account 0.25% 0.25% Money Market 1.34% 1.34% 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 1.75% 1.77% 18 Months 1.80% 1.82% 24 Months 1.85% 1.87% 36 Months 2.00% 2.02% 48 Months 2.05% 2.07% 60 Months 2.10% 2.12% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 1.75% 1.77% 18 Months 1.80% 1.82% 24 Months 1.85% 1.87% 36 Months 2.00% 2.02% 48 Months 2.05% 2.07% 60 Months 2.10% 2.12% IRA Savings 1.75% 1.77% Loan Rates Type of Loan Rates New Car (up to 72 months) 2.50% to 15.75% Used Car - less than 100,000 Miles (up to 72 months) 3.50% to 16.00% Used Car - greater than 100,000 Miles (up to 48 months) 5.50% to 16.00% Motorcycles (up to 60 months) 6.00% to 16.00% Share-Secured Account Rate + 4.00% Signature- Unsecured (up to 48 months) 8.75% to 15.75% Overdraft Line of Credit 10.25% to 16.00% Credit Card (Depending on credit worthiness) 11.25% to 13.75% 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 CLTV) 6.50% to 10.00% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield See our fee schedule. See Master Account Agreement & Disclosures (membership booklet).