Rates
All rates current as of 11/01/2021.
Certificates & Iras
Certificates
| Term | Membership Level1 | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 6 months | Basic/Value | $500.00 | $500.00 | 0.24% | 0.24% |
| 6 months | Business | $500.00 | $500.00 | 0.24% | 0.24% |
| 6 months | Select | $500.00 | $500.00 | 0.34% | 0.34% |
| 6 months | Premium | $500.00 | $500.00 | 0.49% | 0.49% |
| 9 months | Basic/Value | $500.00 | $500.00 | 0.30% | 0.30% |
| 9 months | Business | $500.00 | $500.00 | 0.30% | 0.30% |
| 9 months | Select | $500.00 | $500.00 | 0.40% | 0.40% |
| 9 months | Premium | $500.00 | $500.00 | 0.55% | 0.55% |
| 1 year | Basic/Value | $500.00 | $500.00 | 0.37% | 0.37% |
| 1 year | Business | $500.00 | $500.00 | 0.37% | 0.37% |
| 1 year | Select | $500.00 | $500.00 | 0.47% | 0.47% |
| 1 year | Premium | $500.00 | $500.00 | 0.62% | 0.62% |
| 2.5 years | Basic/Value | $500.00 | $500.00 | 0.56% | 0.56% |
| 2.5 years | Business | $500.00 | $500.00 | 0.56% | 0.56% |
| 2.5 years | Select | $500.00 | $500.00 | 0.66% | 0.66% |
| 2.5 years | Premium | $500.00 | $500.00 | 0.81% | 0.81% |
| 5 years | Basic/Value | $500.00 | $500.00 | 0.79% | 0.79% |
| 5 years | Business | $500.00 | $500.00 | 0.79% | 0.79% |
| 5 years | Select | $500.00 | $500.00 | 0.89% | 0.89% |
| 5 years | Premium | $500.00 | $500.00 | 1.04% | 1.04% |
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
1We Florida Financial offers a variety of membership levels.
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 11/01/2021.
Jumbo Certificates
| Term | Membership Level1 | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 6 months | Basic/Value | $50,000.00 | $50,000.00 | 0.29% | 0.29% |
| 6 months | Business | $50,000.00 | $50,000.00 | 0.29% | 0.29% |
| 6 months | Select | $50,000.00 | $50,000.00 | 0.39% | 0.39% |
| 6 months | Premium | $50,000.00 | $50,000.00 | 0.54% | 0.54% |
| 1 year | Basic/Value | $50,000.00 | $50,000.00 | 0.42% | 0.42% |
| 1 year | Business | $50,000.00 | $50,000.00 | 0.42% | 0.42% |
| 1 year | Select | $50,000.00 | $50,000.00 | 0.52% | 0.52% |
| 1 year | Premium | $50,000.00 | $50,000.00 | 0.67% | 0.67% |
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
1We Florida Financial offers a variety of membership levels.
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 11/01/2021.
Regular IRA Certificates
| Term | Membership Level1 | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 1 year | Basic/Value | $500.00 | $500.00 | 0.43% | 0.43% |
| 1 year | Select | $500.00 | $500.00 | 0.53% | 0.53% |
| 1 year | Premium | $500.00 | $500.00 | 0.68% | 0.68% |
| 2.5 years | Basic/Value | $500.00 | $500.00 | 0.61% | 0.61% |
| 2.5 years | Select | $500.00 | $500.00 | 0.71% | 0.71% |
| 2.5 years | Premium | $500.00 | $500.00 | 0.86% | 0.86% |
| 5 years | Basic/Value | $500.00 | $500.00 | 0.91% | 0.91% |
| 5 years | Select | $500.00 | $500.00 | 1.01% | 1.01% |
| 5 years | Premium | $500.00 | $500.00 | 1.16% | 1.16% |
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
1We Florida Financial offers a variety of membership levels.
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 11/01/2021.
Jumbo IRA Certificates
| Term | Membership Level1 | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 1 year | Basic/Value | $10,000.00 | $10,000.00 | 0.48% | 0.48% |
| 1 year | Select | $10,000.00 | $10,000.00 | 0.58% | 0.58% |
| 1 year | Premium | $10,000.00 | $10,000.00 | 0.73% | 0.73% |
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
1We Florida Financial offers a variety of membership levels.
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 11/01/2021.
Specials
Special Certificates
| Term | Membership Level | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 13 months3 | Basic/Value | $500.00 | $500.00 | 0.42% | 0.42% |
| 13 months3 | Select | $500.00 | $500.00 | 0.52% | 0.52% |
| 13 months3 | Premium | $500.00 | $500.00 | 0.67% | 0.67% |
| 31 months4 | Basic/Value | $500.00 | $500.00 | 0.61% | 0.61% |
| 31 months4 | Select | $500.00 | $500.00 | 0.71% | 0.71% |
| 31 months4 | Premium | $500.00 | $500.00 | 0.86% | 0.86% |
| 61 months5 | Basic/Value | $500.00 | $500.00 | 0.84% | 0.84% |
| 61 months5 | Select | $500.00 | $500.00 | 0.94% | 0.94% |
| 61 months5 | Premium | $500.00 | $500.00 | 1.09% | 1.09% |
Special Jumbo Certificates
| Term | Membership Level | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 13 months3 | Basic/Value | $50,000.00 | $50,000.00 | 0.52% | 0.52% |
| 13 months3 | Select | $50,000.00 | $50,000.00 | 0.62% | 0.62% |
| 13 months3 | Premium | $50,000.00 | $50,000.00 | 0.77% | 0.77% |
Special IRA Certificates
| Term | Membership Level | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 13 months3 | Basic/Value | $500.00 | $500.00 | 0.48% | 0.48% |
| 13 months3 | Select | $500.00 | $500.00 | 0.58% | 0.58% |
| 13 months3 | Premium | $500.00 | $500.00 | 0.73% | 0.73% |
| 31 months4 | Basic/Value | $500.00 | $500.00 | 0.66% | 0.66% |
| 31 months4 | Select | $500.00 | $500.00 | 0.76% | 0.76% |
| 31 months4 | Premium | $500.00 | $500.00 | 0.91% | 0.91% |
| 61 months5 | Basic/Value | $500.00 | $500.00 | 0.96% | 0.96% |
| 61 months5 | Select | $500.00 | $500.00 | 1.06% | 1.06% |
| 61 months5 | Premium | $500.00 | $500.00 | 1.21% | 1.21% |
Special Jumbo IRA Certificates
| Term | Membership Level | Minimum to Open |
Minimum Balance‡ |
Interest Rate | APY2 |
| 13 months3 | Basic/Value | $10,000.00 | $10,000.00 | 0.58% | 0.58% |
| 13 months3 | Select | $10,000.00 | $10,000.00 | 0.68% | 0.68% |
| 13 months3 | Premium | $10,000.00 | $10,000.00 | 0.83% | 0.83% |
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.
3When the 13 month special CD/IRA account matures, it will roll over into the 12 month APY published at the maturity date.
4When the 31 month special CD/IRA account matures, it will roll over into the 30 month APY published at the maturity date.
5When the 61 month special CD/IRA account matures, it will roll over into the 60 month APY published at the maturity date.
‡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. Maximum deposit of $25,000 per membership on the 6 months Get Acquainted CD.
Rates effective11/01/2021.
Loans
| Loan | APR1 (As low as) |
| New Auto | 1.79%* |
| Used Auto | 3.99% |
| Older Used Auto2 | 8.99% |
| New Motorcycle | 2.99% |
| Used Mototcycle | 3.99% |
| New Boat | 3.99% |
| Used Boat | 4.99% |
| New RV or Conversion Van | 3.99% |
| Used RV or Conversion Van | 4.99% |
| Live Your Life Personal Loan | 9.99% |
| Ready Access Overdraft Line | 9.99% |
| Certificate Secured Loan | 3.10%3 |
| Home Equity Rates | |
| Mortgage Rates | |
| Calculators | |
|
Terms vary based on collateral and loan amount. Ask one of our Loan Specialists for details. *APR= Annual Percentage Rate. The rate quoted is for a well-qualified borrower who has a Premium membership for 10 years and when a vehicle is sourced through We Drive and purchased at a We Drive participating dealer. Payment Example: Estimated monthly payments on a 36 month auto loan at 1.79% APR = $28.55 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 11/01/2021, our floor rate is 1.79%. 1APR=Annual Percentage Rate (rate of interest charged per year) 2Auto with over 100,000 miles or a 2014 model year vehicle or older 3APR is 3.00% over current Certificate rate. (Rate shown is 3% over the current six month Certificate rate.) Rates are subject to change without notice. Rates effective as of 11/01/2021. |
|
Savings
| 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 | 0.10% | 0.10% |
| IRA Shares | $5.00 | $0.01 | 0.15% | 0.15% |
| Roth IRA Shares | $5.00 | $0.01 | 0.15% | 0.15% |
| EarnMore Checking: $0.01 - $10,000.00 (qualifications met) |
$0.00 | $0.01 - $10,000.00 | 2.96% | 3.00% |
| EarnMore Checking: $10,000.01+ (qualifications met) |
$0.00 | $10,000.01 & over | 0.25% | 0.25% |
| EarnMore Checking: $0.01+ (qualifications not met) |
$0.00 | $0.01 | 0.05% | 0.05% |
| 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% |
| High Yield Accumulation Account | $0 | $0.01 | 0.45% | 0.45% |
| Personal Money Market Account | $2,500.00 | $2,500.00 | 0.15% | 0.15% |
| High Yield Investment Account | $10,000.00 | $2,500.00 | 0.20% | 0.20% |
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.
Rates effective 11/01/2021.
