Rates

Loan Rates as of January 1, 2020

Vehicle/Watercraft
Loan Type Available Terms* APR* as low as
New Automobile 36 - 84 months* 3.25%
Used Automobile 36 - 84 months* 3.25%
New Motorcycle 36 - 60 months* 6.65%
Used Motorcycle 36 - 60 months* 6.89%
Harley Motorcycle 36 - 72 months* 5.15%
New Boat 36 - 180 months* 6.65%
Used Boat 36 - 180 months* 6.89%
New Personal Watercraft up to 48 months* 6.65%
Used Personal Watercraft up to 36 months* 6.89%
Rates above are all fixed for the term of the loan. *APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown include the maximum allowed. Rates quoted above may be for shorter terms and respresent the "as low as" rate. Contact the credit union about specific rates and terms.
Mortgage Rates
For current mortgage reates call (813) 621-6661 or (800) 769-1424 ext. 272.
Home/Agriculture
Loan Type Maximum Terms* APR* as low as Rate Type Details
Home Equity (80% LTV) 180 months* 4.75% Variable No closing costs up to $500
First or second mortgage
Home Equity (100% LTV) 180 Months* 6.75% Variable No closing costs up to $500
First or second mortgage
Home Equity (80% LTV) 60 months* 5.99% Fixed No closing costs up to $500
First or second mortgage
Home Equity (80% LTV) 120 months* 6.99% Fixed No closing costs up to $500
First or second mortgage
New Recreational Vehicle 180 months* 6.65% Fixed 80% financing of NADA retail value
Used Recreational Vehicle 180 months* 6.89% Fixed 70% financing of NADA retail value
Personal
Loan Type Maximum Terms* APR* as low as Details
Signature/Line of Credit 48 months* 10.25%  
Christmas/Vacation 12 months* 10.25% Maximum loan amount $1,000
Personal loans have a fixed Annual Percentage Rate.
Credit Card
Loan Type APR* as low as Rate Type
VISA Platinum* 10.40% Variable
VISA CURewards Platinum* 11.40% Variable
Credit Card Note: No annual fee. $15,000 maximum limit.

Subject to change without notice.
* APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.

Savings Rates as of January 1, 2020

Savings & Checking
Account Name Dividend Rate APY* Minimum Deposit
to Open Account		 Minimum Balance
to Obtain APY
Regular Share 0.149% 0.15% $5.00 $5.00
Youth Share* 4.990% 5.10% $5.00 $5.00
Christmas Club 0.149% 0.15% $5.00 $5.00

Choice Plus+ Checking**

First $2,500.00 (if criteria met)

 2.471% 2.50% $0.00 $4,000.00

Choice Plus+ Checking**

Balances exceeding $2,500.00

 0.099% 0.10% $0.00 $4,000.00
Compounded monthly.  * On balances up to $500.00 then prevailing Regular Share rate applies.
**$4,000.00 average daily balance is required in order to receive the dividend rate of 2.50% APY on first $2,500.00. Balances exceeding $2,500.00 will earn .10% APY. If $4,000.00 average daily balance is not maintained, then no dividend will be paid.
Money Management
Minimum Balance to Obtain APY Dividend Rate APY*
$50,000.00 & UP 0.797% 0.80%
$25,000.00 - 49,999.99 0.498% 0.50%
$10,000.00 - 24,999.99 0.399% 0.40%
$2,000.00- 9,999.99 0.349% 0.35%
$2,000.00 Minimum Deposit to Open Account. Compounded monthly.
IRA Share Savings
Account Name Dividend Rate APY*
IRA Share Savings 0.349% 0.35%
Roth IRA Share Savings 0.349% 0.35%
$5.00 Minimum Deposit to Open Account. $5.00 Minimum Balance to Obtain APY. Compounded monthly.
Share Certificates
Term Dividend Rate APY*
6-Month Share Certificate 1.044% 1.05%
1-Year Share Certificate 1.292% 1.30%
18-Month Certificate 1.440% 1.45%
2-Year Share Certificate 1.539% 1.55%
3-Year Share Certificate 1.883% 1.90%
4-Year Share Certificate 2.030% 2.05%
5-Year Share Certificate 2.276% 2.30%
Compounded daily.
$500.00 Minimum Deposit to Open Account; $500.00 Minimum Balance to Obtain APY.
JUMBO Share Certificates
Term Dividend Rate APY*
6-Month Share Certificate 1.242% 1.25%
1-Year Share Certificate 1.489% 1.50%
18-Month Share Certificate 1.637% 1.65%
2-Year Share Certificate 1.736% 1.75%
3-Year Share Certificate 2.080% 2.10%
4-Year Share Certificate 2.227% 2.25%
5-Year Share Certificate 2.471% 2.50%
Compounded daily.
$100,000.00 Minimum Deposit to Open Account; $100,000.00 Minimum Balance to Obtain APY.

Click Fee Schedule for a listing of maintenance fees and other charges. 

*APY = Annual Percentage Yield
Subject to change without notice. Rates effective as of 01/01/2020 and may change weekly.