954.745.2400 |US Toll-Free: 800.230.0200
We Florida Financial, P.O. Box 14548, Fort Lauderdale, FL 33302
- Loans
- Deposits
- Regular Certificates
- IRA Certificates
- Jumbo IRA Certificates
- Jumbo Certificates
- Special Summer Certificates
Vehicle Loan Rates Learn more
Type
APR as low as1
Terms
New Auto
5.20%
Up to 60 months
Used Auto
5.20%
Up to 60 months
Older Used Auto2
8.99%
Up to 36 months
1APR=Annual Percentage Rate (rate of interest charged per year)
The rate quoted is for a well-qualified borrower who has a Premium membership. Payment Example: Estimated monthly payment on a 36-month auto loan at 5.20% APR = $30.06 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 07/01/2022, our floor rate is 5.20%.
2Auto with over 100,000 miles or a 2015 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
4.70%
Up to 60 months
Used Motorcycle
4.70%
Up to 60 months
1APR=Annual Percentage Rate (rate of interest charged per year)
Payment Example: Estimated monthly payments on a 60 month motorcycle loan at 4.70% = $18.73 and at 4.70% = $18.73 per $1,000 borrowed.
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.
Boat Loan Rates Learn more
Type
APR as low as1
Terms
New Boat
3.99%
Up to 84 months
Used Boat
4.99%
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 3.99% = $13.67 and at 4.99% = $14.14 per $1,000 borrowed.
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.
Personal Loan Rates Learn more
Type
APR as low as1
Terms
Live Your Life Personal Loan
9.99%
up to 36 months
Ready Access Overdraft Line
9.99%
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 9.99% = $32.28 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
Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.
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 06/28/2022.
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%
Rates effective 03/01/2022.
EarnMore Checking
Minimum to Open
Minimum Balance‡
Dividend Rate
APY1
EarnMore Checking: $0.01 - $10,000.00
(qualifications met)
(qualifications met)
$0
$0.01 - $10,000.00
2.96%
3.00%
EarnMore Checking: $10,000.01+
(qualifications met)
(qualifications met)
$0
$10,000.01 & over
0.25%
0.25%
EarnMore Checking: $0.01+
(qualifications not met)
(qualifications not met)
$0
$0.01
0.05%
0.05%
Rates effective 03/01/2022.
Business Accounts
Minimum to Open
Minimum Balance‡
Dividend Rate
APY1
Business Checking Plus: $2,500 - $49,999.99
$100.00
$2,500 - $49,999.99
0.10%
0.10%
Business Checking Plus: $50,000.00+
$100.00
$50,000.00+
0.10%
0.10%
Rates effective 03/01/2022.
Investment Accounts
Minimum to Open
Minimum Balance‡
Dividend Rate
APY1
High Yield Accumulation Account
$0
$0.01
0.45%
0.45%
Personal Money Market Account
$2,500.00
$2,500.00
0.30%
0.30%
High Yield Investment Account
$10,000.00
$2,500.00
0.35%
0.35%
Rates effective 06/28/2022.
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.
CD Term
Membership Level1
Minimum
to Open
to Open
Minimum Balance‡
Interest Rate
APY2
6 months
Basic/Value
$500.00
$500.00
1.50%
1.51%
6 months
Business
$500.00
$500.00
1.50%
1.51%
6 months
Select
$500.00
$500.00
1.60%
1.61%
6 months
Premium
$500.00
$500.00
1.75%
1.76%
9 months
Basic/Value
$500.00
$500.00
1.50%
1.51%
9 months
Business
$500.00
$500.00
1.50%
1.51%
9 months
Select
$500.00
$500.00
1.60%
1.61%
9 months
Premium
$500.00
$500.00
1.75%
1.76%
1 year
Basic/Value
$500.00
$500.00
1.50%
1.51%
1 year
Business
$500.00
$500.00
1.50%
1.51%
1 year
Select
$500.00
$500.00
1.60%
1.61%
1 year
Premium
$500.00
$500.00
1.75%
1.76%
1.5 years
Basic/Value
$500.00
$500.00
1.50%
1.51%
1.5 years
Business
$500.00
$500.00
1.50%
1.51%
1.5 years
Select
$500.00
$500.00
1.60%
1.61%
1.5 years
Premium
$500.00
$500.00
1.75%
1.76%
2 years
CD Boost
$500.00
$500.00
1.50%
1.51%
2.5 years
Basic/Value
$500.00
$500.00
0.95%
0.95%
2.5 years
Business
$500.00
$500.00
0.95%
0.95%
2.5 years
Select
$500.00
$500.00
1.05%
1.05%
2.5 years
Premium
$500.00
$500.00
1.20%
1.20%
3 year
CD Boost
$500.00
$500.00
1.50%
1.51%
5 years
Basic/Value
$500.00
$500.00
1.25%
1.25%
5 years
Business
$500.00
$500.00
1.25%
1.25%
5 years
Select
$500.00
$500.00
1.35%
1.35%
5 years
Premium
$500.00
$500.00
1.50%
1.51%
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.
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 06/28/2022.
Term
Membership Level1
Minimum
to Open
to Open
Minimum Balance‡
Interest Rate
APY2
1 year
Basic/Value
$500.00
$500.00
1.50%
1.51%
1 year
Select
$500.00
$500.00
1.60%
1.61%
1 year
Premium
$500.00
$500.00
1.75%
1.76%
2 year
CD Boost
$500.00
$500.00
1.50%
1.51%
2.5 years
Basic/Value
$500.00
$500.00
1.00%
1.00%
2.5 years
Select
$500.00
$500.00
1.10%
1.10%
2.5 years
Premium
$500.00
$500.00
1.25%
1.25%
3 year
CD Boost
$500.00
$500.00
1.50%
1.51%
5 years
Basic/Value
$500.00
$500.00
1.35%
1.35%
5 years
Select
$500.00
$500.00
1.45%
1.45%
5 years
Premium
$500.00
$500.00
1.60%
1.60%
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.
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 06/28/2022.
Term
Membership Level1
Minimum
to Open
to Open
Minimum Balance‡
Interest Rate
APY2
1 year
Basic/Value
$10,000.00
$10,000.00
1.50%
1.51%
1 year
Select
$10,000.00
$10,000.00
1.60%
1.61%
1 year
Premium
$10,000.00
$10,000.00
1.75%
1.76%
2 year
CD Boost
$10,000.00
$10,000.00
1.50%
1.51%
3 year
CD Boost
$10,000.00
$10,000.00
1.50%
1.51%
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.
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 06/28/2022.
Term
Membership Level1
Minimum
to Open
to Open
Minimum Balance‡
Interest Rate
APY2
6 months
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
6 months
Business
$50,000.00
$50,000.00
1.50%
1.51%
6 months
Select
$50,000.00
$50,000.00
1.60%
1.61%
6 months
Premium
$50,000.00
$50,000.00
1.75%
1.76%
1 year
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
1 year
Business
$50,000.00
$50,000.00
1.50%
1.51%
1 year
Select
$50,000.00
$50,000.00
1.60%
1.61%
1 year
Premium
$50,000.00
$50,000.00
1.75%
1.76%
1.5 years
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
1.5 years
Business
$50,000.00
$50,000.00
1.50%
1.51%
1.5 years
Select
$50,000.00
$50,000.00
1.60%
1.61%
1.5 years
Premium
$50,000.00
$50,000.00
1.75%
1.76%
2 years
CD Boost
$50,000.00
$50,000.00
1.50%
1.51%
3 years
CD Boost
$50,000.00
$50,000.00
1.50%
1.51%
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.
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 06/28/2022.
Summer Certificate Rates
Term
Membership Level
Minimum
to Open2
to Open2
Minimum Balance
Interest Rate
APY1
7 month
Basic/Value
$500.00
$500.00
1.50%
1.51%
7 month
Select
$500.00
$500.00
1.60%
1.61%
7 month
Premium
$500.00
$500.00
1.75%
1.76%
13 month
Basic/Value
$500.00
$500.00
1.50%
1.51%
13 month
Select
$500.00
$500.00
1.60%
1.61%
13 month
Premium
$500.00
$500.00
1.75%
1.76%
20 month
Basic/Value
$500.00
$500.00
1.50%
1.51%
20 month
Select
$500.00
$500.00
1.60%
1.61%
20 month
Premium
$500.00
$500.00
1.75%
1.76%
31 month
Basic/Value
$500.00
$500.00
1.65%
1.65%
31 month
Select
$500.00
$500.00
1.75%
1.75%
31 month
Premium
$500.00
$500.00
1.90%
1.90%
Summer Jumbo Certificate Rates
Term
Membership Level
Minimum
to Open2
to Open2
Minimum Balance
Interest Rate
APY1
7 month
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
7 month
Select
$50,000.00
$50,000.00
1.60%
1.61%
7 month
Premium
$50,000.00
$50,000.00
1.75%
1.76%
13 month
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
13 month
Select
$50,000.00
$50,000.00
1.60%
1.61%
13 month
Premium
$50,000.00
$50,000.00
1.75%
1.76%
20 month
Basic/Value
$50,000.00
$50,000.00
1.50%
1.51%
20 month
Select
$50,000.00
$50,000.00
1.60%
1.61%
20 month
Premium
$50,000.00
$50,000.00
1.75%
1.76%
31 month
Basic/Value
$50,000.00
$50,000.00
1.75%
1.76%
31 month
Select
$50,000.00
$50,000.00
1.85%
1.86%
31 month
Premium
$50,000.00
$50,000.00
2.00%
2.01%
1APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
2Minimum account opening deposit of (CD $500/Jumbo $50,000) new money required. APY is based on the assumption that funds will remain in the CD account until maturity. Interest rates will vary based on membership level. Penalty waived for early withdrawal. 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. Offer not valid after 8/31/2022