Rates

All rates updated as of 2/1/2018

Certificates & Iras

Certificates

Term Membership Level1 Minimum
to Open

Minimum Balance

Interest Rate APY2
6 months Basic/Value $500.00  $500.00 0.10% 0.10%
6 months Business $500.00  $500.00 0.10% 0.10%
6 months Select $500.00  $500.00 0.20% 0.20%
6 months Premium $500.00  $500.00 0.35% 0.35%
9 months Basic/Value $500.00  $500.00 0.15% 0.15% 
9 months Business $500.00  $500.00 0.15% 0.15%
9 months Select $500.00  $500.00 0.25% 0.25%
9 months Premium $500.00  $500.00 0.40% 0.40%
1 year Basic/Value $500.00  $500.00 0.25% 0.25%
1 year Business $500.00  $500.00 0.25% 0.25%
1 year Select $500.00  $500.00 0.35% 0.35%
1 year Premium $500.00  $500.00 0.50% 0.50%
2.5 years Basic/Value $500.00  $500.00 0.65% 0.65%
2.5 years Business $500.00  $500.00 0.65% 0.65%
2.5 years Select $500.00  $500.00 0.75% 0.75%
2.5 years Premium $500.00  $500.00 0.90% 0.90%
5 years Basic/Value $500.00  $500.00 1.20% 1.20%
5 years Business $500.00  $500.00 1.20% 1.20%
5 years Select $500.00  $500.00 1.30% 1.30%
5 years Premium $500.00  $500.00 1.45% 1.45%

For more information, please see our Investment page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Federally insured by NCUA

1We Florida Financial offers a variety of membership levels. Click here for more information

2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted. Maximum deposit of $500,000 per membership.

Rates effective 2/1/2018.  We Florida Financial is not responsible for typographical errors.

Loans

Loan APR1
(As low as)
New Auto 2.89%
Used Auto 4.49%
Older Used Auto2 8.99%
New Motorcycle 3.99%
Used Mototcycle 4.99%
New Boat 3.99%
Used Boat 4.99%
New RV or Conversion Van 3.99%
Used RV or Conversion Van 4.99%
Member Choice Loan/Debt Consolidation  9.99%
Ready Access Overdraft Line 9.99%
Certificate Secured Loan  3.20%3
Home Equity Line-Of-Credit (HELOC) 4.50%4
Fixed Rate Home Equity5 3.70%
Mortgage Rates  
Calculators  

Terms vary based on collateral and loan amount.  Ask one of our Loan Specialists for details.

Payment Example: Estimated monthly payments on a 60 month auto loan at 5.24% APR = $18.98 per $1,000 borrowed.

1APR=Annual Percentage Rate (rate of interest charged per year)

2Auto with over 100,000 miles or a 2010 model year vehicle or older

3APR is 3.00% over current Certificate rate.  (Rate shown is 3% over the current six month Certificate rate.)

4Home equity lines of credit are adjustable rate loans based upon the Prime Rate plus or minus a margin, which varies depending on loan-to-value and creditworthiness up to the time of closing.  There is an annual rate cap of 3%, a maximum Annual Percentage Rate (APR) of 17% and floor rate of 4% APR over the life of the loan.  APR and maximum loan amount is determined by property type, credit score, and loan-to-value (LTV).

5APR shown is based on a 5 year term. Longer terms are available.

Rates are subject to change without notice. Rates effective as of 2/1/2018. We Florida Financial is not responsible for typographical errors.

Savings

Savings Minimum to Open

Minimum Balance

Dividend Rate APY1
Personal Savings Account $5.00 $0.01 0.10% 0.10%
Business Savings Account $100.00 $0.01 0.10% 0.10%
Club Account $0 $0.01 0.25% 0.25%
IRA Shares $5.00 $0.01 0.20% 0.20%
Roth IRA Shares $5.00 $0.01 0.20% 0.20%
Personal Interest Checking: $0.01 - $2,499.99 $5.00 $0.01 - $2,499.99 0.10% 0.10%
Personal Interest Checking: $2,500+ $5.00 $2,500+ 0.15% 0.15%
Business Checking Plus: $2,500 - $49,999.99 $100.00 $2,500 - $49,999.99 1.00% 1.00%
Business Checking Plus: $50,000.00+ $100.00 $50,000.00+ 0.10% 0.10%
SAVINGS MINIMUM TO OPEN MINIMUM BALANCE INTEREST RATE APY1
High Yield Accumulation Account $0 $0.01 0.65% 0.65%
Personal Money Market Account $2,500.00 $2,500.00 0.10% 0.10%
Business Money Market Account $2,500.00 $2,500.00 0.10% 0.10%
High Yield Investment Account $10,000.00 $2,500.00 0.15% 0.15%
 

Please contact a Credit Union employee or call us for further information about applicable fees and terms.

1APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

Minimum Balance to Maintain Stated APY

Rates are subject to change without notice.  Some accounts require a specific minimum balance to earn interest.  Fees could reduce the earning on an account.

Rates effective 2/1/2018.  We Florida Financial is not responsible for typographical errors.