All rates updated as of 8/1/2018
Certificates & Iras
Certificates
| Term | Membership Level1 | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 6 months | Basic/Value | $500.00 | $500.00 | 0.35% | 0.35% |
| 6 months | Business | $500.00 | $500.00 | 0.35% | 0.35% |
| 6 months | Select | $500.00 | $500.00 | 0.45% | 0.45% |
| 6 months | Premium | $500.00 | $500.00 | 0.60% | 0.60% |
| 9 months | Basic/Value | $500.00 | $500.00 | 0.40% | 0.40% |
| 9 months | Business | $500.00 | $500.00 | 0.40% | 0.40% |
| 9 months | Select | $500.00 | $500.00 | 0.50% | 0.50% |
| 9 months | Premium | $500.00 | $500.00 | 0.65% | 0.65% |
| 1 year | Basic/Value | $500.00 | $500.00 | 0.50% | 0.50% |
| 1 year | Business | $500.00 | $500.00 | 0.50% | 0.50% |
| 1 year | Select | $500.00 | $500.00 | 0.60% | 0.60% |
| 1 year | Premium | $500.00 | $500.00 | 0.75% | 0.75% |
| 2.5 years | Basic/Value | $500.00 | $500.00 | 0.90% | 0.90% |
| 2.5 years | Business | $500.00 | $500.00 | 0.90% | 0.90% |
| 2.5 years | Select | $500.00 | $500.00 | 1.00% | 1.00% |
| 2.5 years | Premium | $500.00 | $500.00 | 1.15% | 1.15% |
| 5 years | Basic/Value | $500.00 | $500.00 | 1.45% | 1.45% |
| 5 years | Business | $500.00 | $500.00 | 1.45% | 1.45% |
| 5 years | Select | $500.00 | $500.00 | 1.55% | 1.56% |
| 5 years | Premium | $500.00 | $500.00 | 1.70% | 1.71% |
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. Click here for more information
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. Maximum deposit of $500,000 per membership.
Rates effective 8/1/2018. We Florida Financial is not responsible for typographical errors.
Jumbo Certificates
| Term | Membership Level1 | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 6 months | Basic/Value | $50,000.00 | $50,000.00 | 0.45% | 0.45% |
| 6 months | Business | $50,000.00 | $50,000.00 | 0.45% | 0.45% |
| 6 months | Select | $50,000.00 | $50,000.00 | 0.55% | 0.55% |
| 6 months | Premium | $50,000.00 | $50,000.00 | 0.70% | 0.70% |
| 1 year | Basic/Value | $50,000.00 | $50,000.00 | 0.60% | 0.60% |
| 1 year | Business | $50,000.00 | $50,000.00 | 0.60% | 0.60% |
| 1 year | Select | $50,000.00 | $50,000.00 | 0.70% | 0.70% |
| 1 year | Premium | $50,000.00 | $50,000.00 | 0.85% | 0.85% |
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. Click here for more information
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. Maximum deposit of $500,000 per membership.
Rates effective 8/1/2018. We Florida Financial is not responsible for typographical errors.
Regular IRA Certificates
| Term | Membership Level1 | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 1 year | Basic/Value | $500.00 | $500.00 | 0.75% | 0.75% |
| 1 year | Select | $500.00 | $500.00 | 0.85% | 0.85% |
| 1 year | Premium | $500.00 | $500.00 | 1.00% | 1.00% |
| 2.5 years | Basic/Value | $500.00 | $500.00 | 1.15% | 1.15% |
| 2.5 years | Select | $500.00 | $500.00 | 1.25% | 1.25% |
| 2.5 years | Premium | $500.00 | $500.00 | 1.40% | 1.40% |
| 5 years | Basic/Value | $500.00 | $500.00 | 1.85% | 1.86% |
| 5 years | Select | $500.00 | $500.00 | 1.95% | 1.96% |
| 5 years | Premium | $500.00 | $500.00 | 2.10% | 2.12% |
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. Click here for more information
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. Maximum deposit of $500,000 per membership.
Rates effective 8/1/2018. We Florida Financial is not responsible for typographical errors.
Jumbo IRA Certificates
| Term | Membership Level1 | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 1 year3 | N/A | $10,000.00 | $10,000.00 | 1.10% | 1.10% |
| 1 year | Basic/Value | $10,000.00 | $10,000.00 | 0.85% | 0.85% |
| 1 year | Select | $10,000.00 | $10,000.00 | 0.95% | 0.95% |
| 1 year | Premium | $10,000.00 | $10,000.00 | 1.10% | 1.10% |
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. Click here for more information
2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
3New money only. Funds must not currently be on deposit at We Florida Financial.
‡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 $500,000 per membership.
Rates effective 8/1/2018. We Florida Financial is not responsible for typographical errors.
Specials
| Term | Membership Level | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| New Members Only | $500.00 | $500.00 | 0.60% | 0.60% |
Special Certificates
| Term | Membership Level | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 13 months3 | Basic/Value | $500.00 | $500.00 | 0.75% | 0.75% |
| 13 months3 | Select | $500.00 | $500.00 | 0.85% | 0.85% |
| 13 months3 | Premium | $500.00 | $500.00 | 1.00% | 1.00% |
| 31 months4 | Basic/Value | $500.00 | $500.00 | 1.50% | 1.51% |
| 31 months4 | Select | $500.00 | $500.00 | 1.60% | 1.61% |
| 31 months4 | Premium | $500.00 | $500.00 | 1.75% | 1.76% |
| 61 months5 | Basic/Value | $500.00 | $500.00 | 2.25% | 2.27% |
| 61 months5 | Select | $500.00 | $500.00 | 2.35% | 2.37% |
| 61 months5 | Premium | $500.00 | $500.00 | 2.50% | 2.52% |
Special Jumbo Certificates
| Term | Membership Level | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 13 months3 | Basic/Value | $50,000.00 | $50,000.00 | 1.00% | 1.00% |
| 13 months3 | Select | $50,000.00 | $50,000.00 | 1.10% | 1.10% |
| 13 months3 | Premium | $50,000.00 | $50,000.00 | 1.25% | 1.25% |
Special IRA Certificates
| Term | Membership Level | Minimum to Open | Minimum Balance‡ | Interest Rate | APY2 |
| 13 months3 | Basic/Value | $500.00 | $500.00 | 1.00% | 1.00% |
| 13 months3 | Select | $500.00 | $500.00 | 1.10% | 1.10% |
| 13 months3 | Premium | $500.00 | $500.00 | 1.25% | 1.25% |
| 31 months4 | Basic/Value | $500.00 | $500.00 | 1.75% | 1.76% |
| 31 months4 | Select | $500.00 | $500.00 | 1.85% | 1.86% |
| 31 months4 | Premium | $500.00 | $500.00 | 2.00% | 2.01% |
| 61 months5 | Basic/Value | $500.00 | $500.00 | 2.50% | 2.52% |
| 61 months5 | Select | $500.00 | $500.00 | 2.60% | 2.63% |
| 61 months5 | Premium | $500.00 | $500.00 | 2.75% | 2.78% |
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 | 1.10% | 1.10% |
| 13 months3 | Select | $10,000.00 | $10,000.00 | 1.20% | 1.20% |
| 13 months3 | Premium | $10,000.00 | $10,000.00 | 1.35% | 1.35% |
Please contact a Credit Union employee or call us for further information about applicable fees and terms.
Federally insured by NCUA
1The Get Acquainted CD is available to new credit union members during their first six months of membership.
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. Maximum deposit of $500,000 per membership for all special 13, 31 and 61 month CD rates.
Rates effective 8/1/2018.
We Florida Financial is not responsible for typographical errors.
Loans
| Loan | APR1 (As low as) |
| New Auto | 2.99% |
| Used Auto | 4.49% |
| Older Used Auto2 | 8.99% |
| New Motorcycle | 3.99% |
| Used Mototcycle | 4.99% |
| New Boat | 3.99% |
| Used Boat | 4.99% |
| New RV or Conversion Van | 3.99% |
| Used RV or Conversion Van | 4.99% |
| Member Choice Loan/Debt Consolidation | 9.99% |
| Ready Access Overdraft Line | 9.99% |
| Certificate Secured Loan | 3.10%3 |
| Home Equity Line-Of-Credit (HELOC) | 4.75%4 |
| Fixed Rate Home Equity5 | 4.20% |
| Mortgage Rates | |
| Calculators | |
Terms vary based on collateral and loan amount. Ask one of our Loan Specialists for details. Payment Example: Estimated monthly payments on a 60 month auto loan at 5.24% APR = $18.98 per $1,000 borrowed. 2Auto with over 100,000 miles or a 2011 model year vehicle or older 3APR is 3.00% over current Certificate rate. (Rate shown is 3% over the current six month Certificate rate.) 4Home equity lines of credit are adjustable rate loans based upon the Prime Rate plus or minus a margin, which varies depending on loan-to-value and creditworthiness up to the time of closing. There is an annual rate cap of 3%, a maximum Annual Percentage Rate (APR) of 17% and floor rate of 4% APR over the life of the loan. APR and maximum loan amount is determined by property type, credit score, and loan-to-value (LTV). 5APR shown is based on a 5 year term. Longer terms are available. | |
Savings
| Savings | Minimum to Open | Minimum Balance‡ | Dividend Rate | APY1 |
| Personal Savings Account | $5.00 | $0.01 | 0.10% | 0.10% |
| Business Savings Account | $100.00 | $0.01 | 0.10% | 0.10% |
| Club Account | $0 | $0.01 | 0.25% | 0.25% |
| IRA Shares | $5.00 | $0.01 | 0.20% | 0.20% |
| Roth IRA Shares | $5.00 | $0.01 | 0.20% | 0.20% |
| Personal Interest Checking: $0.01 - $2,499.99 | $5.00 | $0.01 - $2,499.99 | 0.10% | 0.10% |
| Personal Interest Checking: $2,500+ | $5.00 | $2,500+ | 0.15% | 0.15% |
| Business Checking Plus: $2,500 - $49,999.99 | $100.00 | $2,500 - $49,999.99 | 1.00% | 1.00% |
| Business Checking Plus: $50,000.00+ | $100.00 | $50,000.00+ | 0.10% | 0.10% |
| SAVINGS | MINIMUM TO OPEN | MINIMUM BALANCE‡ | INTEREST RATE | APY1 |
| High Yield Accumulation Account | $0 | $0.01 | 0.90% | 0.90% |
| Personal Money Market Account | $2,500.00 | $2,500.00 | 0.10% | 0.10% |
| Business Money Market Account | $2,500.00 | $2,500.00 | 0.10% | 0.10% |
| High Yield Investment Account | $10,000.00 | $2,500.00 | 0.15% | 0.15% |
| 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 Maintain Stated APY Rates are subject to change without notice. Some accounts require a specific minimum balance to earn interest. Fees could reduce the earning on an account. Rates effective 8/1/2018. We Florida Financial is not responsible for typographical errors. | ||||
