Rates & Fees

Rates effective as of April 1, 2018.

Learn about our fees, as well as how to waive many of them, on our fee schedule.

Account Rates

Account APR* APY*
Checking
 0.10% 0.10%
Savings Account
 0.25% 0.25%
Club Account 0.25% 0.25% 
Money Market
 1.41% 1.42%
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 1.55% 1.56%
18 Months 1.55% 1.56%
24 Months 1.80% 1.82%
36 Months 2.05% 2.07%
48 Months 2.05% 2.07%
60 Months 2.30% 2.33%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.55% 1.56%
18 Months 1.55% 1.56%
24 Months 1.80% 1.82%
36 Months 2.05% 2.07%
48 Months 2.05% 2.07%
60 Months 2.30% 2.33%
IRA Savings 1.55% 1.56%

Loan Rates

.
Type of Loan Rates
New Car
(up to 72 months)		 3.75% to 13.50%
Used Car - less than 100,000 Miles
(up to 72 months)		 4.75% to 14.50%
Used Car - greater than 100,000 Miles
(up to 48 months)		 6.75% to 16.00%
Motorcycles
(up to 60 months)		 6.75% to 16.00%
Share Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)		 10.00% to 16.00%
Overdraft Line of Credit 11.00% to 16.00%
Credit Card
(Depending on credit worthiness)		 11.25% to 15.75%
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)		 6.50% to 10.00%

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

See our fee schedule.

See account and membership disclosures.