Vehicle Loan Rates

Type
APR as low as1
Terms


New Auto


6.25%


Up to 84 months

Used Auto

6.25%

Up to 84 months

Older Used Auto2

9.25%

Up to 36 months

 

1APR=Annual Percentage Rate (rate of interest charged per year)
The rate quoted is for a well-qualified borrower. Payment Example: Estimated monthly payment on a 36-month auto loan at 6.25% APR = $30.54 per $1,000 borrowed. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 03/21/23, our floor rate is 6.25%.

2Auto with over 100,000 miles or a 2014 model year vehicle or older

Rates and terms are subject to change without notice.
Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.

Motorcycle Loan Rates Learn more

Type
APR as low as1
Terms

New Motorcycle

6.49%

Up to 72 months

Used Motorcycle

6.74%

Up to 72 months

 

1APR=Annual Percentage Rate (rate of interest charged per year)
Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.49% = $19.56 and at 6.74% = $19.68 per $1,000 borrowed.

Rates and terms are subject to change without notice.
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.

Boat Loan Rates

Type
APR1 as low as
Terms


New Boat


6.75%


Up to 84 months

 

1APR=Annual Percentage Rate (rate of interest charged per year)
Payment Example: Estimated monthly payments on an 84-month boat loan at 6.75% = $14.97 per $1,000 borrowed.

Rates and terms are subject to change without notice.
Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.

Rates Effective 03/21/23

RV Loan Rates

Type
APR1 as low as
Terms

New RV or Conversion Van

6.75%

Up to 84 months

 

 

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

Payment Example: Estimated monthly payments on an 84-month RV loan at 6.75% = $14.97 per $1,000 borrowed.

Rates Effective 03/21/23

Personal Loan Rates Learn more

Type
APR as low as1
Terms


Live Your Life Personal Loan


10.99%


Up to 36 months

Ready Access Overdraft Line

10.99%

N/A

Certificate Secured Loan

Call us for our current rates

Varies

 

1APR=Annual Percentage Rate (rate of interest charged per year)
Payment Example: Estimated monthly payment on a 36 month Live Your Life loan at 10.99% = $32.73 per $1,000 borrowed.

Rates and terms subject to change without notice.
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.

Home Loan Rates Learn more

Type
APR as low as1
Terms

Rates and terms subject to change without notice.
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.

Certificate Special Rates (CD Specials) 

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
7 month
$500.00
$500.00
2.50%
2.52%
13 month
$500.00
$500.00
4.38%
4.46%
20 month
$500.00
$500.00
1.50%
1.51%
31 month
$500.00
$500.00
2.00%
2.01%
61 month
$500.00
$500.00
2.00%
2.01%
7 month Business
$500.00
$500.00
2.50%
2.52%
13 month Business
$500.00
$500.00
4.38%
4.46%
20 month Business
$500.00
$500.00
1.50%
1.51%
31 month Business
$500.00
$500.00
2.00%
2.01%
61 month Business
$500.00
$500.00
2.00%
2.01%

 

 

Jumbo Certificate Special Rates (Jumbo CD Specials) 

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
7 month
$50,000.00
$50,000.00
2.79%
2.82%
13 month
$50,000.00
$50,000.00
4.38%
4.46%
20 month
$50,000.00
$50,000.00
2.00%
2.01%
31 month
$50,000.00
$50,000.00
2.00%
2.01%
7 month Business
$50,000.00
$50,000.00
2.79%
2.82%
13 month Business
$50,000.00
$50,000.00
4.38%
4.46%
20 month Business
$50,000.00
$50,000.00
2.00%
2.01%
31 month Business
$50,000.00
$50,000.00
2.00%
2.01%

 

 

Additional funds can be added to your Certificate Account at a minimum of $250. 

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

3 Minimum account opening deposit of (Certificate $500/Jumbo $50,000). APY is based on the assumption that funds will remain in the Certificate account until maturity. Interest rates will vary based on membership level. Terms and interest will change at maturity. A $5.00 deposit to a Member Savings Account is required and will establish your membership. We Florida Financial has the right to change or withdraw this offer at any time. Rates Effective 03/21/23.

Deposit Accounts

All We Florida Financial members start their membership with a savings (also called share) account. In addition to helping you save, this account entitles you, as a member and part owner, to share in the dividends and benefits the Credit Union offers.

Savings
Minimum to Open
Minimum Balance
Dividend Rate
APY1
Personal Savings Account
$5.00
$0.01
0.05%
0.05%
Club Account
$0
$0.01
0.15%
0.15%

Rates effective 03/21/23. 

Personal Checking
Minimum to Open
Minimum Balance
Dividend Rate
APY1
Essential Checking
$50.00
$0.00
0.00%
0.00%
emPower Checking
$50.00
$0.01
1.00%
1.00%
Fabulous 50+ Checking
$50.00
$0.01
1.00%
1.00%
Prime Checking
$1,500
$1,500
1.50%
1.51%

Rates effective 03/21/23. 

IRA Accounts
Minimum to Open
Minimum Balance
Dividend Rate
APY1
IRA Shares
$5.00
$0.01
0.15%
0.15%
Roth IRA Shares
$5.00
$0.01
0.15%
0.15%

3 Minimum increments of $250.00.

Rates effective 03/21/23. 

Business Accounts
Minimum to Open
Minimum Balance
Dividend Rate
APY1
Essential Business Checking
$50.00
$0.00
0.00%
0.00%
emPower Business Checking
$1,500.00
$1,500.00
1.00%
1.00%

Rates effective 03/21/23. 

Investment Accounts
Minimum to Open
Minimum Balance
Dividend Rate
APY1
High Yield Accumulation Account
$0
$1.00
0.45%
0.45%
Business or Personal Money Market Account
$2,500.00
$2,500.00
0.30%
0.30%
High Yield Investment Account
$10,000.00
$2,500.00
0.40%
0.40%

Rates effective 03/21/23. 

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 Earn Stated APY

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

Rate Information: The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends or earnings to be paid on an account based on the rate and frequency of compounding for an annual period. For Savings Products, the dividend rate and APY may change monthly as determined by the Credit Union's Board of Directors. 

Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Compounding and Crediting: The compounding and crediting of dividends to each account type are set forth in this schedule. The dividend period is the period at the end of which an account earns dividend credit. Generally, the period begins on the first calendar day of each month and ends on the last calendar day of the same month.  

Accrual: For Savings Products, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued earnings are credited, accrued earnings will not be paid.

Balance Information: The par value of a savings share in the credit union is $5. The minimum balance requirements applicable to each account type are set forth in this schedule. For Savings Products, there is a minimum average daily balance required to obtain the stated APY for the dividend period. If the minimum average daily balance is not met, you will not earn the stated APY. 

Account Limitations:  For emPower Checking, recurring direct deposits are required. Account will convert to Essential Checking when there are no recurring direct deposits. For High Yield Investment accounts, there can be only one (1) free withdrawal per month. Subsequent withdrawals are subject to a $25 fee. For High Yield Accumulation accounts, deposits must be made through ongoing, recurring automatic transfer only ($10 minimum). No partial balance withdrawals allowed, $25 fee if closed in the first twenty-four (24) months.

Regular Certificate Rates (Regular CD)

Term
Minimum
to Open

Minimum Balance

Interest Rate
APY2
6 months
$500.00
$500.00
2.50%
2.52%
6 months Business
$500.00
$500.00
2.50%
2.52%
9 months
$500.00
$500.00
2.19%
2.21%
9 months Business
$500.00
$500.00
2.19%
2.21%
1 year
$500.00
$500.00
2.52%
2.54%
1 year Business
$500.00
$500.00
2.52%
2.54%
1.5 years
$500.00
$500.00
2.30%
2.32%
1.5 years Business
$500.00
$500.00
2.30%
2.32%
2 years CD Boost
$500.00
$500.00
2.00%
2.01%
2.5 years
$500.00
$500.00
2.00%
2.01%
2.5 years Business
$500.00
$500.00
2.00%
2.01%
3 year CD Boost
$500.00
$500.00
2.00%
2.01%
5 years
$500.00
$500.00
2.00%
2.01%
5 years Business
$500.00
$500.00
2.00%
2.01%

 

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. 

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

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. 

Rates effective 03/21/23.

IRA Certificate Rates (IRA CD)

Term
Minimum
to Open

Minimum Balance

Interest Rate
APY2
1 year
$500.00
$500.00
2.90%
2.93%
2 year CD Boost
$500.00
$500.00
2.50%
2.52%
2.5 years
$500.00
$500.00
2.52%
2.54%
3 year CD Boost
$500.00
$500.00
2.50%
2.52%
5 years
$500.00
$500.00
2.01%
2.02%

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

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

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. 

Rates effective 03/21/23.

 

Jumbo IRA Certificate Rates (Jumbo IRA CD)

Term
Minimum
to Open

Minimum Balance

Interest Rate
APY2
1 year
$10,000.00
$10,000.00
2.90%
2.93%
2 year CD Boost
$10,000.00
$10,000.00
2.60%
2.63%
3 year CD Boost
$10,000.00
$10,000.00
2.60%
2.63%

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

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

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. 

Rates effective 03/21/23.

Jumbo Certificate Rates (Jumbo CD)

Term
Minimum
to Open

Minimum Balance

Interest Rate
APY2
6 months
$50,000.00
$50,000.00
2.68%
2.71%
6 months Business
$50,000.00
$50,000.00
2.68%
2.71%
1 year
$50,000.00
$50,000.00
2.80%
2.83%
1 year Business
$50,000.00
$50,000.00
2.80%
2.83%
1.5 years
$50,000.00
$50,000.00
2.40%
2.42%
1.5 years Business
$50,000.00
$50,000.00
2.40%
2.42%
2 years CD Boost
$50,000.00
$50,000.00
2.25%
2.27%
3 years CD Boost
$50,000.00
$50,000.00
2.00%
2.01%

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.

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

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. 

Rates effective 03/21/23.

 

Certificate Special IRA Rates (IRA CD Specials) 

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
13 month
$500.00
$500.00
4.38%
4.46%
61 month
$500.00
$500.00
2.01%
2.02%

 

 

Jumbo Certificate Special Rates (Jumbo IRA CD Specials) 

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
13 month
$10,000.00
$10,000.00
4.38%
4.46%

 

 

Additional funds can be added to your Certificate Account at a minimum of $250. 

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

3 Minimum account opening deposit of (Certificate $500/Jumbo $50,000). APY is based on the assumption that funds will remain in the Certificate account until maturity. Interest rates will vary based on membership level. Terms and interest will change at maturity. A $5.00 deposit to a Member Savings Account is required and will establish your membership. We Florida Financial has the right to change or withdraw this offer at any time. Rates Effective 03/21/23.

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