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Rates and Dividends

The rates appearing in this schedule are accurate and effective as of 10/01/16. If you have any questions or require current rate information on your accounts, please call our Member Contact Center.

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

Loan Rates
Loan Type
APR as Low as*
   
Autos/Trucks
New
1.99%
Used
2.74%
   
Motorcycles
New
5.75%
Used
6.25%
   
Motor Home / 5th Wheel
New
3.99%
Used
4.99%
   
Campers
New
4.99%
Used
5.99%
   
Boats
New
4.99%
Used
5.99%
   
ATV, ATC, Dirt Bikes, Jet Skis
9.49%
   
VISA® Credit Card
9.75% variable rate
   
Personal Signature
9.49%
   
Line of Credit
9.49%
   
Share Secured/Certificate Secured
2% above dividend rate of collateral
*Quoted rates assume payments are made electronically, either by payroll deduction, ACH or Automatic Transfer, otherwise, except for VISA®, the rates increase by .50%. Rates shown may not apply to every borrower. All credit union loans are subject to approval and are granted based on individual credit worthiness, the ability to repay and your credit score. New auto rates range from 1.99% - 17.75% APR., with terms up to 84 months. Used auto rates range from 2.74% - 17.75% APR., with terms up to 72 months. The lowest new auto rate of 1.99% APR requires the loan term to be 36 months and the loan amount be 90% or less of the vehicle invoice price, as determined by the Credit Union. Otherwise, 100% financing is available on most vehicle loans. This is based on the purchase price or the market value whichever is lower. Summer payments are not required if you are presently on a 10-month school payroll plan. Rates quoted are subject to change.




Mortgage Rates
Loan Type
APR as Low as
   
Home Equity Loan*
3.49% Fixed
   
Home Equity Line of Credit*
3.24% Variable, 8.49% Fixed
   
1st Mortgages
* Quoted 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, the ability to repay and your credit score. All homes must be your primary residence in Florida and owner-occupied. Loan amounts can be up to 90% of the appraised property value, less your 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. Rates are subject to change.

APR=Annual Percentage Rate. All Credit Union loans are subject to approval. Home Equity Fixed Rate Loan rates range from 3.49% to 10.99% APR. Home Equity Fixed Rate Line of Credit Loan rates range from 8.49% to 11.99% APR. A Home Equity Variable Rate Line of Credit Loan has a maximum APR of 18%. All Home Equity and Line of Credit Loans are subject to an average minimum daily loan balance of $10,000 during the first 12 months; otherwise, the member will be responsible for reimbursing the Credit Union for closing costs incurred.





Dividend Rates*
Account Type
APY
% Rate
Savings1
0.25
0.25
     
Special Savings2
0.25
0.25
     
IRA Savings3
0.55
0.55
     
Checking2
On the first $500
0.05
0.05
On the amount above $500
0.15
0.15
* Rates are subject to change. Effective since July 1st, 2014.
1Savings account balances above $100 earn dividends. Dividends are compounded daily and   credited quarterly.
2Dividends are compounded daily and credited quarterly.
3Dividends are compounded daily and credited monthly.





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
* Dividends on the above mentioned accounts are compounded daily and credited monthly.




Money Market Accounts
Money Market Account Balances
APY
% Rate
$0 - $2,499.99
0.20
0.20
     
$2,500 - $24,999.99
0.20
0.20
     
$25,000 - $49,999.99
0.20
0.20
     
$50,000 - $99,999.99
0.25
0.25
     
$100,000 - $149,999.99
0.30
0.30
     
$150,000 - $249,999.99
0.30
0.30
     
$250,000 and over
0.30
0.30
* Rates are subject to change. Dividends on the above mentioned accounts are compounded daily and credited quarterly.


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