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Our DeLand, FL branch will open at 11:00 AM today (10/3).

Rates & Disclosures


Rates effective as of October 1, 2022.

Scroll to the bottom of this page to access links to view fees and other disclosures.

Account Rates

Account APR* APY*
Personal Checking
0.10% 0.10%
Savings Account
0.15% 0.15%
Club Account 0.15% 0.15% 
Money Market
1.38% 1.39%
Small Business
Checking
0.05% 0.05%
Nonprofit Checking 0.05% 0.05%

Term Certificate Rates

Term APR* APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 1.50% 1.51%
18 Months 1.55% 1.56%
24 Months 1.60% 1.61%
36 Months 1.70% 1.71%
48 Months 1.70% 1.71%
60 Months 1.80% 1.82%

Individual Retirement Accounts (IRAs) Rates

Term APR* APY**
12 Months 1.50% 1.51%
18 Months 1.55% 1.56%
24 Months 1.60% 1.61%
36 Months 1.70% 1.71%
48 Months 1.70% 1.71%
60 Months 1.80% 1.82%
IRA Savings 1.50% 1.51%

Loan Rates

Type of Loan Rates
New Car
(up to 84 months)
6.75% to 16.00%
Used Car - less than 100,000 Miles
(up to 84 months)
7.50% to 16.00%
Used Car - greater than 100,000 Miles
(up to 48 months)
9.50% to 16.00%
Motorcycles
(up to 60 months)
10.25% to 16.00%
Share-Secured Account Rate + 4.00%
Signature- Unsecured
(up to 48 months)
13.00% to 16.00%
Overdraft Line of Credit 14.00% to 16.00%
Credit Card
(Depending on credit worthiness)
12.75% to 16.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)
7.25% to 8.00%

* APR = Annual Percentage Rate
** APY = Annual Percentage Yield

View current Fee Schedule.

View current Master Account Agreement & Disclosures (membership booklet).