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Rates

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 0.50% 0.50%
$2,500 - $4,999.99 0.50% 0.50%
$5,000 - $9,999.99 0.50% 0.50%
$10,000 - $24,999.99 0.60% 0.60%
$25,000 - $49,999.99 0.70% 0.70%
$50,000 or more 0.80% 0.80%

 

Passport 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 12/23/2013 and are subject to change after the account is opened. Fees may reduce the earnings on the account.

Auto
Type Approximate Term Rates as low as
New (Model Year 2013 and newer) 42 months 1.74% APR
New (Model Year 2013 and newer) 54 months 1.74% APR
New (Model Year 2013 and newer) 66 months 1.98% APR
New (Model Year 2013 and newer; $10,000 minimum) 78 months 2.24% APR
New (Model Year 2013 and newer; $35,000 minimum) 84 months 4.24% APR
Used (Model Years 2009 through 2012) 42 months 1.74% APR
Used (Model Years 2009 through 2012) 54 months 1.74% APR
Used (Model Years 2009 through 2012) 66 months 1.98% APR
Used (Model Years 2009 through 2012; $10,000 minimum) 78 months 2.24% APR
Older Used Vehicles (Model Years 2005 through 2008; $1,000 minimum) 36 months 6.50% APR
Older Used Vehicles (Model Years 2005 through 2008; $3,000 minimum) 48 months 6.75% APR
Older Used Vehicles (Model Years 2005 through 2008; $5,000 minimum) 60 months 7.00% APR

 

Motorcycles & Scooters
Type Approximate Term Rates as low as
New (Model Year 2013 and newer) 36 months 6.00% APR
New (Model Year 2013 and newer) 48 months 6.25% APR
New (Model Year 2013 and newer; $5,000 minimum) 60 months 7.00% APR
Used (Model Years 2009 through 2012) 36 months 7.00% APR
Used (Model Years 2009 through 2012) 48 months 7.50% APR
Used (Model Years 2009 through 2012; $5,000 minimum) 60 months 8.00% APR

 

Boats & RVs
Type Approximate Term Rates as low as
New (Model Year 2013 and newer) 48 months 4.75% APR
New (Model Year 2013 and newer) 60 months 4.99% APR
New (Model Year 2013 and newer; $17,000 minimum) 72 months 5.19% APR
New (Model Year 2013 and newer; $35,000 minimum) 84 months 6.49% APR
New (Model Year 2013 and newer; $50,000 minimum) Up to 180 months 7.00% APR
Used (Model Years 2009 through 2012) 48 months 5.25% APR
Used (Model Years 2009 through 2012) 60 months 5.49% APR
Used (Model Years 2009 through 2012; $17,000 minimum) 72 months 5.99% APR
Used (Model Years 2009 through 2012; $35,000 minimum) 84 months 6.49% APR
Used (Model Years 2009 through 2012; $50,000 minimum) Up to 180 months 9.00% APR

 

Rates are effective 2/25/2014

Credit Cards
Type Rates as low as Conditions
Platinum Rewards Card 8.90% APR  Variable rate, subject to change quarterly. No annual fee.
Platinum Visa Card 7.90% APR  Variable rate, subject to change quarterly. No annual fee.

 

See Application & Solicitation Disclosure for applicable charges and fees.

Personal Loan
Minimum Approximate Term Rates as low as
$500 12 months 7.90% APR
$1,500 24 months 7.90% APR
$3,000 36 months 8.90% APR
$5,000 60 months 9.90% APR
$10,000 72 months 10.40% APR
$15,000 84 months 11.90% APR
Personal Line of Credit
Rates as low as
10.25%

Rates are effective 04/17/2013

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

 

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%

 

Rates are effective 2/1/2013 and are subject to change after the account is opened. Fees may reduce the earnings on the account.

Certain rates apply to both regular and IRA CDs.
3-5 Month Term*
Account Balance Interest Rate APY
$500 - $44,999.99 0.30% 0.30%
$45,000 - $99,999.99 0.35% 0.35%
$100,000 or more 0.40% 0.40%

 

6-11 Month Term**
Account Balance Interest Rate APY
$500 - $44,999.99 0.30% 0.30%
$45,000 - $99,999.99 0.35% 0.35%
$100,000 or more 0.40% 0.40%

 

12-17 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.55% 0.55%
$45,000 - $99,999.99 0.60% 0.60%
$100,000 or more 0.65% 0.65%

 

18-23 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.55% 0.55%
$45,000 - $99,999.99 0.60% 0.60%
$100,000 or more 0.65% 0.65%

 

24-29 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.75% 0.75%
$45,000 - $99,999.99 0.80% 0.80%
$100,000 or more 0.85% 0.85%

 

30-35 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.90% 0.90%
$45,000 - $99,999.99 0.95% 0.95%
$100,000 or more 1.00% 1.01%

 

36-47 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.95% 0.95%
$45,000 - $99,999.99 1.00% 1.01%
$100,000 or more 1.05% 1.06%

 

48-59 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 1.19% 1.20%
$45,000 - $99,999.99 1.24% 1.25%
$100,000 or more 1.29% 1.30%

 

60 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 1.49% 1.50%
$45,000 - $99,999.99 1.54% 1.55%
$100,000 or more 1.59% 1.60%

 

Adjustable 60 Month Term***
Account Balance Interest Rate APY
$500 - $44,999.99 0.75% 0.75%
$45,000 - $99,999.99 0.80% 0.80%
$100,000 or more 0.85% 0.85%

 

* 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

Rates are effective 12/23/2013

Term Rate Origination Fee APR***
Traditional 30 Yr. Fixed (up to $417,000) 4.500% 0 Pts/0 Orig. Fee (as low as) 4.577%
30 Yr. Fixed with Origination 4.125% 0.50 Pts./.75 Orig. Fee (as low as) 4.306%
15 Yr. Fixed with Origination 3.000% 0 Pts./.75 Orig. Fee (as low as) 3.231%
Traditional 15 Yr. Fixed 3.250% 0 Pts/0 Orig. Fee (as low as) 3.374%
Traditional 10 Yr. Fixed 2.875% 0 Pts/0 Orig. Fee (as low as) 3.051%
Traditional 20 Yr. Fixed 4.125% 0 Pts/0 Orig. Fee (as low as) 4.228%
Traditional 30 Yr. Fixed Investment Property     4.950% 3.00 Pts./0 Orig. Fee (as low as) 5.030%
NO CLOSING COSTS-SEE BELOW!

All rates subject to change without notice.

 
Term Rate Origination Fee APR***
Traditional 5/1 ARM 3.500% 0 Pts./0 Orig. Fee (as low as) 2.811%
5/1 ARM with Origination 3.250% 0 Pts./0.75 Orig. Fee (as low as) 2.783%
Traditional 5/5 ARM 3.050% 0 Pts./0 Orig. Fee (as low as) 3.117%
5/5 ARM with Origination              2.800% 0.75 Pts./0 Orig. Fee (as low as) 3.087%

 

Term Rate Origination Fee APR***
30 Yr. Fixed Conventional (Purchase Only) 4.875% 0 Pts./0 Orig. Fee (as low as) 4.955%
30 Yr. Fixed Investment (Purchase Only) 4.875% 3.00 Pts./0 Orig. Fee (as low as) 5.112%
All rates subject to change without notice.

NO CLOSING COST PROGRAMS (UP TO $5000). CALL FOR DETAILS!

 

First Lien Equity Advantage Loan****
Term Rate Origination Fee APR
10 Yr. First Lien Equity Advantage 2.875% 0.00 3.051%
Fixed Second Mortgage-Apply Now
Term Rate APR***
  5 Yr. Fixed Max. Second Mortgage (as low as) 4.75% ***4.75%
15 Yr. Fixed Max Second Mortgage (as low as) 5.75% ***5.75%
20 Yr. Fixed Max Second Mortgage (as low as) 6.00% ***6.00%
Home Equity Line-of-Credit-Apply Now
Term Rate APR+
30 Yr. Maximum HELOC (as low as) 4.00% **
Dual Rate HELOC (first 24 months) 2.00% **

Rates are effective 4/17/2014.
* APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan.

Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.

** No closing costs for loans up to $100,000. For loans over $100,000, the estimated fees and costs to open the loan are between $1000 and $2500. Title insurance is required to be paid by borrower on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based upon the current market value of the property, minus the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR ranges between 4.75% APR and 17.9% APR depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. The Dual Rate HELOC initial APR is 2% for the first 24 months. The rate will then adjust to Wall Street Journal Prime plus applicable margin. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.

***APR=AnnualPercentage Rate based on 20% with a $160,000 loan amount, fixed for 360 months with a principal & interest pmt. of $896. Property taxes and insurance are not included and will vary.

****10 yr. term. Maximum loan amount is $100,000. No prepayment penalty. No escrow account required. Property insurance is required, and flood insurance may be required depending upon the location of the property.  Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances. Some closing costs apply and are paid by the borrower.  The cost of a full appraisal is $400. The maximum amount of closing cost the borrower can pay is $650.  Primary residences only. No subordinate liens allowed. Payment example: Loan amount of $100,000 at a 10 yr. term based on an interest rate of 2.25% the payment would be $931.38.

***** Rates posted are indications only and are subject to change without notice. Please call 904-371-8150 to receive current quotes. Today's rates are posted on this page between 9:00 - 10:00 AM EST. If yesterday's date is listed as the effective date, the rates reflected here are unavailable. If you wish to lock your interest rate for a current application, refer to the "Rates" section under "Rate Lock" for details.

*All ARM loans have a 30 year amortization. ARM rates are subject to change after loan closing. Maximum amount for conventional loan $417,000. Maximum loan amount for FHA loan $387,500. Jumbo rates-call for details.

No Closing Cost 1st Mortgage (Purchase Only) Up to $5,000 limit on buyers costs. Excludes pre-paids, points, origination fees & LLPA's. No pre-payment penalty. Min loan amount $100,000. Subject to credit, income and appraisal approval. Available only on 30 year fixed conventional loans. CALL FOR DETAILS OR VISIT A BRANCH!!