Rates effective as of October 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 1.38% 1.39% 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 1.50% 1.51% 18 Months 1.55% 1.56% 24 Months 1.60% 1.61% 36 Months 1.70% 1.71% 48 Months 1.70% 1.71% 60 Months 1.80% 1.82% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 1.50% 1.51% 18 Months 1.55% 1.56% 24 Months 1.60% 1.61% 36 Months 1.70% 1.71% 48 Months 1.70% 1.71% 60 Months 1.80% 1.82% IRA Savings 1.50% 1.51% Loan Rates Type of Loan Rates New Car (up to 84 months) 6.75% to 16.00% Used Car - less than 100,000 Miles (up to 84 months) 7.50% to 16.00% Used Car - greater than 100,000 Miles (up to 48 months) 9.50% to 16.00% Motorcycles (up to 60 months) 10.25% to 16.00% Share-Secured Account Rate + 4.00% Signature- Unsecured (up to 48 months) 13.00% to 16.00% Overdraft Line of Credit 14.00% to 16.00% Credit Card (Depending on credit worthiness) 12.75% to 16.00% Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value CLTV) 7.25% to 8.00% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield View current Fee Schedule. View current Master Account Agreement & Disclosures (membership booklet).