Rates effective as of November 9, 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 1.52% 1.53% 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 2.05% 2.07% 18 Months 2.10% 2.12% 24 Months 2.15% 2.17% 36 Months 2.20% 2.22% 48 Months 2.20% 2.22% 60 Months 2.30% 2.33% Individual Retirement Accounts (IRAs) Rates Term APR* APY** 12 Months 2.05% 2.07% 18 Months 2.10% 2.12% 24 Months 2.15% 2.17% 36 Months 2.20% 2.22% 48 Months 2.20% 2.22% 60 Months 2.30% 2.33% IRA Savings 2.05% 2.07% 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) 13.50% to 16.00% Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value CLTV) 8.00% to 8.75% * APR = Annual Percentage Rate ** APY = Annual Percentage Yield View current Fee Schedule. View current Master Account Agreement & Disclosures (membership booklet).