Rates
Auto Rates Mortgage Rates Credit Card Rates Savings Rates
Effective 4/30/2025
Vehicle Loans
| Type | APR* |
| New Auto |
as low as 5.49% |
| Used Auto |
as low as 5.49% |
| Motorcycle |
as low as 7.99% |
| Boat or RV |
as low as 7.74% |
Rate may vary or increase due to collateral conditions or certain adverse credit factors such as bankruptcy or repossession. Rate not to exceed 17.99%. Payment Example: $15,000 loan at 3.99% APR with 60 monthly payments of $293.49. Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from your Credit Union account. Auto loan rate includes a 0.25% APR discount when using our complimentary Auto Advisors car buying service. |
Personal Loans
| Type | APR* |
| Personal Loan |
as low as 11.99% |
| Personal Line of Credit |
as low as 10.49% |
| Share Secured Personal Loan |
Share Rate + 2.50% |
Mortgage Loans
Home Equity Loans
| Type | APR* |
| Home Equity Loan |
as low as 7.50% |
| Home Equity Line of Credit (HELOC) |
as low as 7.50% |
Credit Card
| Type | APR* |
| Darden Visa |
as low as 12.74% |
| Rewards Visa |
as low as 13.74% |
| Secured Visa |
13.49% |
Credit cards are variable rate based on Prime. Rate may change after account opening. |
Business Loans
| Type | Term | APR* | Rate Type | Loan Fee |
| Vehicle and Equipment |
up to 60 months |
Prime + 0.75% |
Fixed |
$150 ($250 if over $50,000) |
| Unsecured Installment |
up to 60 months |
Prime + 1.25% |
Fixed |
$150 ($250 if over $50,000) |
| Real Estate |
ask for details |
ask for details |
ask for details |
ask for details |
| Share Secured Installment |
up to 60 months |
Share Rate + 2.00% |
Variable |
n/a |
| Credit Card - Sole Proprietor |
n/a |
as low as 9.99% |
Variable |
n/a |
| Credit Card - Business |
n/a |
ask for details |
Variable |
$150 ($250 if over $25,000) |
Share secured installment and credit cards are variable rate based on Prime. Rate may change after account opening. |
Primary Savings
minimum to open: $5.00
minimum to earn dividends: $5.00
| Balance | Rate | APY** |
| All balances |
0.05% |
0.05% |
Business Savings
minimum to open: $5.00
minimum to earn dividends: $5.00
| Balance | Rate | APY** |
| All balances |
0.20% |
0.20% |
Special Savings, Business Special Savings, Holiday Savings and IRA Savings
minimum to open: $5.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| All balances |
0.20% |
0.20% |
Classic Checking and Business Checking
minimum to open: $10.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| Up to $24,999 |
0.00% |
0.00% |
| $25,000 and over |
0.05% |
0.05% |
Catalyst Connect Checking2
minimum to open: $10.00 minimum average daily balance to earn dividends: $1,000
Dividends are earned on balances up to but not exceeding $10,000 when account requirements are met.2
| Type | Rate | APY** |
| Non-Catalyst Member Rewards |
0.20% |
0.20% |
| Catalyst Member Rewards Tier C1 |
0.25% |
0.25% |
| Catalyst Member Rewards Tier C2 |
0.30% |
0.30% |
| Catalyst Member Rewards Tier C3 |
0.35% |
0.35% |
Traditional Money Market Savings and IRA Money Market Savings
minimum to open: $1,000.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| Up to $9,999.99 |
0.40% |
0.40% |
| $10,000 - $24,999.99 |
0.85% |
0.85% |
| $25,000 - $49,999.99 |
1.00% |
1.00% |
| $50,000 - $99,999.99 |
1.15% |
1.15% |
| $100,000 - $250,000 |
1.49% |
1.50% |
| $250,000 and over |
1.99% |
2.00% |
High-Yield Money Market Savings
| Type | Balance | Rate | APY** |
| Money Market Plus |
$250,000 - $499,999.99 |
1.99% |
2.00% |
Minimum to open and earn dividends: $250,000 |
| Money Market Premium |
$500,000 - $999,999.99 |
2.72% |
2.75% |
Minimum to open and earn dividends: $500,000 |
| Money Market Premier |
$1,000,000 - $1,999,999.99 |
3.69% |
3.75% |
Minimum to open and earn dividends: $1,000,000 |
| Money Market Platinum |
$2,000,000+ |
4.31% |
4.40% |
Minimum to open and earn dividends: $2,000,000 |
Share Certificates and IRA Certificates3
minimum to open: $500.00
minimum to earn dividends: $500.00
| Term | Rate | APY** |
| 3 month |
2.96% |
3.00% |
| 4 month special (renews to 3 month)4 |
3.45% |
3.50% |
| 6 month |
3.45% |
3.50% |
| 7 month special (renews to 6 month)4 |
3.93% |
4.00% |
| 12 month |
3.45% |
3.50% |
| 13 month special (renews to 12 month)4 |
4.41% |
4.50% |
| 18 month |
3.45% |
3.50% |
| 19 month special (renews to 18 month)4 |
3.88% |
3.95% |
| 24 month |
3.35% |
3.40% |
| 25 month special (renews to 24 month)4 |
3.88% |
3.95% |
| 36 month |
3.15% |
3.20% |
| 48 month |
3.15% |
3.20% |
| 60 month |
3.15% |
3.20% |
*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.
**APY= Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.
2Catalyst Connect Checking and Catalyst Member Rewards have account requirements to earn dividends.
3Certificates will automatically renew for the same term and prevailing rate upon maturity.
4“Special Offers” will renew as regular certificates at the terms specified in the special offer. Federally Insured by NCUA.
Mortgage rates posted are for loans in Florida, rates and products can vary based on state.
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