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Rates

Short-Term Loan

Monthly Payment Example per $1,000 Borrowed
APR 6-Month Term
27.99% $180.53

Consumer Loan

Monthly Payment Examples per $1,000 Borrowed
APR 48-Month Term 60-Month Term 84-Month Term 120-Month Term
4.00% $22.58 $18.42 $13.67 $10.13
5.00% $23.58 $18.87 $14.13 $10.61
6.00% $23.49 $19.33 $14.61 $11.10
7.00% $23.95 $19.80 $15.09 $11.61
8.00% $24.41 $20.28 $15.59 $12.13
9.00% $24.89 $20.76 $16.09 $12.67
10.00% $25.36 $21.25 $16.60 $13.22
11.00% $25.85 $21.74 $17.12 $13.78
12.00% $26.33 $22.24 $17.65 $14.35
13.00% $26.83 $22.75 $18.19 $14.93
14.00% $27.33 $23.27 $18.74 $15.53
15.00% $27.83 $23.79 $19.30 $16.13

Home Equity Loan

Monthly Payment Examples per $1,000 Borrowed
APR 48-Month Term 60-Month Term 84-Month Term 120-Month Term 180-Month Term 240-Month Term
5.00% $23.03 $18.87 $14.13 $10.61 $7.91 $6.60
5.50% $23.26 $19.10 $14.37 $10.85 $8.17 $6.88
6.00% $23.49 $19.33 $14.61 $11.10 $8.44 $7.16
6.50% $23.72 $19.57 $14.85 $11.36 $8.71 $7.46
7.00% $23.95 $19.80 $15.09 $11.61 $8.99 $7.75

The above monthly payment examples do not include property taxes or insurance premiums, and the actual payment obligation will be greater. For first lien Home Equity Loans, property taxes may be required to be escrowed.

Mortgage

Monthly Payment Examples per $1,000 Borrowed
Interest Rate 180-Month Term 240-Month Term 360-Month Term
3.00% $6.91 $5.55 $4.22
3.25% $7.03 $5.67 $4.35
3.50% $7.15 $5.80 $4.49
3.75% $7.27 $5.93 $4.63
4.00% $7.40 $6.06 $4.77
4.25% $7.52 $6.19 $4.92
4.50% $7.65 $6.33 $5.07
4.75% $7.78 $6.46 $5.22
5.00% $7.91 $6.60 $5.37
5.25% $8.04 $6.74 $5.52
5.50% $8.17 $6.88 $5.68
5.75% $8.30 $7.02 $5.84
6.00% $8.44 $7.16 $6.00

The above monthly payment examples do not include property taxes or insurance premiums, and the actual payment obligation will be greater. 

How to use the Mortgage Chart

The chart reflects interest rates ranging from 3.00% up to 6.00% for 15-,20- and 30-year terms. The monthly payment column represents the principal and interest payment for each $1,000 you borrow. 

For example, if you borrow $100,000 for 30 years at 4.25%, your monthly payment per $1,000 borrowed would be $4.92. Multiply that factor (4.92) by 100 (100,000/1,000) to estimate your monthly payment of $492.00.

Primary Share Savings
Account Balance Dividend APY
$100 or more 0.25% 0.25%

 

Youth Advantage Share Savings
Account Balance Interest Rate APY
$0 - $500 2.96% 3.00%
$500.01 or more 0.25% 0.25%

 

Special Purpose Share Savings
Account Balance Dividend/ Interest Rate APY
$100 or more 0.25% 0.25%

 

IRA, SEP & 457 Shares
Account Balance Dividend/ Interest Rate APY
$100 - $2,499.99 0.45% 0.45%
$2,500 - $4,999.99 0.45% 0.45%
$5,000 - $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $49,999.99 0.60% 0.60%
$50,000 or more 0.70% 0.70%

 

Money Market
Account Balance Interest Rate APY
$100 - $2,499.99 0.25% 0.25%
$2,500 - $9,999.99 0.25% 0.25%
$10,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.35% 0.35%
$100,000 or more 0.40% 0.40%

 

Primary Business Share Savings
Account Balance Dividend APY
$100 or more 0.25% 0.25%

 

Business Money Market
Account Balance Interest Rate APY
$100 - $2,499.99 0.30% 0.30%
$2,500 - $9,999.99 0.30% 0.30%
$10,000 - $24,999.99 0.30% 0.30%
$25,000 - $49,999.99 0.35% 0.35%
$50,000 - $99,999.99 0.40% 0.40%
$100,000 or more 0.45% 0.45%

 

Rates are effective 9/1/2016 and are subject to change after the account is opened. Fees may reduce the earnings on the account.

APY = Annual Percentage Yield

Auto
Type Approximate Term Rates as low as
New (Model Year 2016 and newer) 24 months 1.49% APR
New (Model Year 2016 and newer) 36 months 1.49% APR
New (Model Year 2016 and newer) 48 months 1.89% APR
New (Model Year 2016 and newer; $10,000 minimum) 60 months 2.09% APR
New (Model Year 2016 and newer; $15,000 minimum) 77 months 2.19% APR
New (Model Year 2016 and newer; $35,000 minimum) 84 months 4.29% APR
Used (Model Years 2012 through 2015) 24 months 1.79% APR
Used (Model Years 2012 through 2015) 36 months 1.79% APR
Used (Model Years 2012 through 2015; $10,000 minimum) 48 months 2.09% APR
Used (Model Years 2012 through 2015; $10,000 minimum) 60 months 2.19% APR
Used (Model Years 2012 through 2015; $17,000 minimum) 77 months 2.39% APR
Used (Model Years 2012 through 2015; $35,000 minimum) 84 months 4.59% APR
Older Used Vehicles (Model Years 2008 through 2011; $1,000 minimum) 36 months 6.50% APR
Older Used Vehicles (Model Years 2008 through 2011; $3,000 minimum) 48 months 6.75% APR
Older Used Vehicles (Model Years 2008 through 2011; $5,000 minimum) 60 months 7.00% APR

 

Motorcycles, Scooters, ATV, Jet Ski (Must have VIN)
Type Approximate Term Rates as low as
New (Model Year 2016 and newer; $5,000 minimum 36 months 5.50% APR
New (Model Year 2016 and newer; $5,000 minimum) 48 months 5.75% APR
New (Model Year 2016 and newer; $10,000 minimum) 60 months 7.00% APR
Used (Model Years 2012 through 2015; $5,000 minimum) 36 months 6.50% APR
Used (Model Years 2012 through 2015; $5,000 minimum) 48 months 6.75% APR
Used (Model Years 2012 through 2015; $10,000 minimum) 60 months 7.50% APR

 

Boats & RVs
Type Approximate Term Rates as low as
New (Model Year 2016 and newer; $5,000 minimum) 48 months 4.75% APR
New (Model Year 2016 and newer; $20,000 minimum) 60 months 4.99% APR
New (Model Year 2016 and newer; $35,000 minimum) 72 months 5.19% APR
New (Model Year 2016 and newer; $35,000 minimum) 84 months 6.49% APR
New (Model Year 2016 and newer; $50,000 minimum) Up to 180 months 7.00% APR
Used (Model Years 2012 through 2015; $5,000 minimum) 48 months 5.25% APR
Used (Model Years 2012 through 2015; $20,000 minimum) 60 months 5.49% APR
Used (Model Years 2012 through 2015; $35,000 minimum) 72 months 5.99% APR
Used (Model Years 2012 through 2015; $35,000 minimum) 84 months 6.99% APR
Used (Model Years 2012 through 2015; $50,000 minimum) Up to 180 months 9.00% APR

 

Rates are effective 1/02/2017

Personal Loan
Minimum Approximate Term Rates as low as
$500 0-12 months 7.25% APR
$1,500 13-24 months 7.50% APR
$3,000 25-36 months 8.25% APR
$5,000 37-60 months 9.25% APR
$10,000 61-72 months 9.90% APR
$15,000 73-84 months 10.90% APR
Personal Line of Credit
Rates as low as
10.25%

Rates are effective 10/25/2016

Credit Cards
Type Rates as low as Conditions
Platinum Rewards Card 9.40% APR  Variable rate, subject to change quarterly. No annual fee.
Platinum Visa Card/Armada 8.40% APR  Variable rate, subject to change quarterly. No annual fee.

 

See Application & Solicitation Disclosure for applicable charges and fees.

APR = Annual Percentage Rate

Last Updated - 12/15/2016

Advantage Checking
Account Balance Interest Rate APY
$0 - $500 1.50% 1.51%
$500.01 or more 0.10% 0.10%
Bonus Debit Checking
Account Balance Interest Rate APY
$0 - $500 0.00% 0.00%
$500.01 or more 0.00% 0.00%

 

Community Checking
Account Balance Interest Rate APY
$0 - $500 0.00% 0.00%
$500.01 or more 0.00% 0.00%

 

Free Checking
Account Balance Interest Rate APY
Entire balance 0.05% 0.05%

 

Premier Business Checking
Account Balance Interest Rate APY
$1,000 or more 0.10% 0.10%

 

Business Checking
Account Balance Interest Rate APY
$1,000 or more 0.00% 0.00%

 

Rates and Annual Percentage Yields (APYs) are effective 6/6/2014 and may change without notice after the account is opened. Fees could reduce earnings.

3-5 Month Term*
Description Rate APY Minimum Deposit
Regular CD 0.30% 0.30% $500.00
IRA CD 0.50% 0.50% $500.00
SEP CD 0.50% 0.50% $500.00

 

6-11 Month Term**
Description Rate APY Minimum Deposit
Regular CD 0.33% 0.33% $500.00
IRA CD 0.53% 0.53% $500.00
SEP CD 0.53% 0.53% $500.00

 

12-17 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.58% 0.58% $500.00
IRA CD 0.78% 0.78% $500.00
SEP CD 0.78% 0.78% $500.00
Youth Advantage 0.58% 0.58% $100.00

 

18-23 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.58% 0.58% $500.00
IRA CD 0.78% 0.78% $500.00
SEP CD 0.78% 0.78% $500.00

 

24-29 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.75% 0.75% $500.00
IRA CD 1.00% 1.01% $500.00
SEP CD 1.00% 1.01% $500.00

 

30-35 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.90% 0.90% $500.00
IRA CD 1.10% 1.11% $500.00
SEP CD 1.10% 1.11% $500.00

 

36-47 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.95% 0.95% $500.00
IRA CD 1.15% 1.16% $500.00
SEP CD 1.15% 1.16% $500.00

 

48-59 Month Term***
Description Rate APY Minimum Deposit
Regular CD 1.19% 1.20% $500.00
IRA CD 1.39% 1.40% $500.00
SEP CD 1.39% 1.40% $500.00

 

60 Month Term***
Description Rate APY Minimum Deposit
Regular CD 1.49% 1.50% $500.00
IRA CD 1.79% 1.81% $500.00
SEP CD 1.79% 1.81% $500.00

 

Adjustable 60 Month Term***
Description Rate APY Minimum Deposit
Regular CD 0.75% 0.75% $500.00
IRA CD 0.95% 0.95% $500.00
SEP CD 0.95% 0.95% $500.00

 

Promo CD's
Description Rate APY Minimum Deposit
6 Months Student**** 0.33% 0.33% $250
14 Months Promo***** 1.13% 1.14% $10,000 ($100,000 limit)

 

 

* Subject to an early withdraw penalty equivalent to 31 days of interest earned
** Subject to an early withdraw penalty equivalent to 90 days of interest earned
*** Subject to an early withdraw penalty equivalent to 180 days of interest earned
****Limited Offering to Florida Coastal Law Students. Additional contributions in $50 increments.
*****Limited Offering. Certificate will be discontinued at $20 million total issued. 


Rates are effective 10/24/2016

APY = Annual Percentage Yield

Fixed Rate Mortgage Loans

Conventional fixed rate terms of 10, 15, 20 & 30 years. The monthly principal and interest payment is fixed for the full term of the loan providing stable and sustainable payments for the life of the loan. If you are planning to stay in your home long-term, a fixed rate mortgage is the best option. For information about current rates, payment and closing costs, visit our Mortgage Center.

Adjustable Rate Mortgage Loans

Conventional adujustable rate terms with initial fixed rate periods of 5, 7, & 10 years all with 30 years amortizations. The monthly principal and interest payment is fixed for the initial fixed rate period. After the initial fixed period, the interest rate can adjust annually. If you are not planning to stay in your home longer than the initial fixed rate period, this it the best option. For information about current rates, payment and closing costs, visit our Mortgage Center.