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Rates and Dividends

The rates appearing in this schedule are accurate and effective as of 06/01/15. If you have any questions or require current rate information on your accounts, please call our Member Service Center.

( 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
5.75%
Used
6.25%
   
Recreational Vehicles
Includes Boats, Jet Skis, RV's and Campers
New
5.99%
Used
6.49%
   
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
   
Summer Bridge Loan
17.75%
   
*Quoted rates assume payments are made electronically, either by payroll deduction, ACH or Automatic Transfer, otherwise 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 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*
6.74% 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. Loans up to 90% of 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.




Dividend Rates
Account Type
APY
% Rate
Savings*
0.25
0.25
     
Special Savings
0.25
0.25
     
IRA Savings
0.55
0.55
     
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 July 1st, 2014.




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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