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Rates and Dividends

The rates appearing in this schedule are accurate and effective as of 04/01/13. If you have any questions or require current rate information on your accounts, please call our Member Service Center at 305-270-5250.

( APR - Annual Percentage Rate, APY - Annual Percentage Yield )

Loan Rates
Loan Type
APR as Low as*
   
Autos/Trucks
100% Financing Available
New
1.99%*
Used
2.74%
   
Motorcycles
100% Financing Available
New
7.49%
Used
7.99%
   
Recreational Vehicles
Includes Boats, Jet Skis, RV's and Campers
New
6.99%
Used
7.49%
   
VISA® Credit Card
9.75% variable rate
   
Personal Signature
9.49%
   
Line of Credit
9.49%
   
Share Secured/Certificate
2% above dividend rate of collateral
   
100% financing on all vehicle loans, based on purchase price or market value, whichever is lower.
*Rates quoted are subject to change and assume payments are made by payroll, ACH or Automatic Transfer, otherwise rates increase by .50%. Rates and terms shown may not apply to every borrower. All credit union loans are subject to approval and are granted based on individual credit worthiness, ability to repay and credit score. Summer payments are not required if you are presently on a 10-month school payroll plan. Available auto rates range from 1.99% to 13.20% APR.  The lowest rate of 1.99% APR requires that the loan amount be 90% or less of the vehicle invoice price, as determined by the Credit Union. Otherwise, 100% financing is available on all vehicle loans, based on purchase price or market value whichever is lower.




Mortgage Rates
Loan Type
APR as Low as
   
Home Equity Line of Credit*
6.74% Fixed
   
Home Equity Loan
5.49% Fixed
   
1st Mortgages
contact the CU for the current rates
* All rates quoted are subject to change. Rates and terms shown may not apply to every borrower. All credit union loans are subject to approval and are granted based on individual credit worthiness, ability to repay and credit score. All homes must be primary residence in Florida and owner-occupied. Loans up to 80% of appraised property value, less outstanding first mortgage balance. Homeowner's Insurance must be sufficient to cover first mortgage, plus the Credit Union loan amount. To ensure tax-deductible payments, please consult your tax advisor. Summer payments are not required if you are presently on a 10-month school payroll plan.




Dividend Rates
Account Type
APY
% Rate
Savings*
0.30
0.30
     
Special Savings
0.30
0.30
     
IRA Savings
0.75
0.75
     
Checking
On the first $500
0.05
0.05
On the amount above $500
0.15
0.15
* Savings account balances above $100 earn dividends. Rates are subject to change. Effective since April 1st, 2013.




Share and IRA Certificates
Months
Share Certificates
Jumbo Certificates
 
Minimum Balance
$1,000

Minimum Balance
$100,000

APY
%Rate
(APY)
%Rate
3
0.35
0.35
0.40
0.40
6
0.40
0.40
0.45
0.45
9
0.40
0.40
0.45
0.45
12
0.45
0.45
0.50
0.50
18
0.50
0.50
0.55
0.55
24
0.55
0.55
0.60
0.60
36
0.80
0.80
0.85
0.85
48
1.00
1.00
1.05
1.05
60
1.51
1.50
1.56
1.55


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