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Rates

Rates

  • Savings
  • 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%

     

    Premier Money Market
    Account Balance Interest Rate APY
    $100 > $2,499.99 0.10% 0.10%
    $2,500 - $9,999.99 0.15% 0.15%
    $10,000 - $24,999.99 0.20% 0.20%
    $25,000 - $49,999.99 0.35% 0.35%
    $50,000 - $99,999.99 0.40% 0.40%
    $100,000 or more 0.50% 0.50%

     

    Rates are effective 3/20/2017 and are subject to change after the account is opened. Fees may reduce the earnings on the account.

    APY = Annual Percentage Yield

  • Vehicle Loans
  • 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 1.99% APR
    New (Model Year 2016 and newer; $10,000 minimum) 60 months 2.29% APR
    New (Model Year 2016 and newer; $17,000 minimum) 77 months 2.49% APR
    New (Model Year 2016 and newer; $35,000 minimum) 84 months 4.29% APR
    Used (Model Years 2012 through 2015) 24 months 1.99% APR
    Used (Model Years 2012 through 2015) 36 months 1.99% APR
    Used (Model Years 2012 through 2015; $10,000 minimum) 48 months 2.29% APR
    Used (Model Years 2012 through 2015; $10,000 minimum) 60 months 2.49% APR
    Used (Model Years 2012 through 2015; $17,000 minimum) 77 months 2.69% 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 2011 through 2014; $35,000 minimum) 84 months 6.99% APR
    Used (Model Years 2011 through 2014; $50,000 minimum) Up to 180 months 9.00% APR

     

    Rates are effective 4/12/2017

  • Personal Loans
  • 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 3/15/2017

  • Credit Cards
  • Credit Cards
    Type Rates as low as Conditions
    Platinum Rewards Card 9.65% APR  Variable rate, subject to change quarterly. No annual fee.
    Platinum Visa Card/Armada 8.65% 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 - 4/12/2017

  • Checking
  • 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.

  • CD's
  • 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 1.14% 1.15% $500.00
    SEP CD 1.14% 1.15% $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 2.00% 2.02% $500.00
    SEP CD 2.00% 2.02% $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
    16 Months Promotional ***** 1.24% 1.25% $500

     

     

    * 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. 


    Rates are effective 4/19/2017

    APY = Annual Percentage Yield

  • Mortgages
  • 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 adjustable rate terms with initial fixed rate periods of 5, 7 & 10 years all with 30 year 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 is the best option. For information about current rates, payment and closing cost visit our Mortgage Center.