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Rates

A breakdown of our loan and savings rates are listed below. Please contact us with any questions.
Clock tower in center of downtown Palatka, FL with bridge and water in distance

Personal Loans

Type
APR* as low as
Term
Personal Loan
10.00%
Up to 12 Months
11.00%
13-36 Months
13.00%
37-60 Months
Personal Line of Credit
16.24%
*APR = Annual Percentage Rate. Effective February 5, 2024 and may change without notice.

EZLOC

Type
APR*
EZLOC (Max $300 Line of Credit)
18.00%

*APR = Annual Percentage Rate. Effective February 5, 2024 and may change without notice.

Share/Certificate Secured Loans

Type
APR* as low as
Term
Share-Secured Loans
Share +3.00%
Up to 180 months
Certificate-Secured Loans
Cert + 2.50%
Up to 60 months

*APR= Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of February 5, 2024 and are subject to change without notice.

Auto Loans

Type
APR* as low as
Term
New Vehicles - Model years 2023 or newer
6.74%
Up to 48 months
6.94%
49 - 66 Months
6.94%
67 - 78 Months
7.94%
79 - 84 Months
Used Vehicles - Model years 2017 to 2022
6.74%
Up to 48 Months
6.94%
49 - 66 Months
6.94%
67-78 Months
7.94%
79-84 months
Older Model Year Vehicles - Model years 2016 & older
8.60%
Up to 48 Months
8.70%
49-66 Months

Note: Autos over 80,000 miles bump rate by .50% Not to exceed 18%
*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of February 5, 2024, and are subject to change without notice.

Boat Loans

Not to exceed 26 ft in length.
Type
APR* as low as
Term
New Boats (New Boat, Motor, Trailer)
6.89%
Up to 60 Months
6.99%
61 - 120 Months
7.69%
121 - 144 Months ($30k Min)
Used Boats (Used Boat, Motor, Trailer)
7.14%
Up to 60 Months
7.24%
61 - 120 Months
7.89%
121 - 144 Months ($30k Min)

*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of February 5, 2024 and are subject to change without notice.

Recreational Vehicle

Type
APR* as low as
Term
New Personal Watercraft
8.15%
Up to 72 Months
Used Personal Watercraft
8.35%
Up to 72 Months
New Motorcycles
7.50%
Up to 72 Months
Used Motorcycles
8.00%
Up to 72 Months
New RVs
8.34%
Up to 72 Months
8.49%
73-120 Months
9.24%
121-144 Months
Used RVs
8.59%
Up to 72 Months
9.25%
73-120 Months
9.74%
121-144 Months
New Other Chattel
10.50%
Up to 60 Months
Used Other Chattel
11.50%
Up to 60 Months

*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of February 5, 2024 and are subject to change without notice.

Mortgages

Rates Change Daily: Convention~FHA~USDA~VA
Call a Mortgage Specialist386-328-5555

Home Equity Lines of Credit

Type
Combined Loan to Value
APR* as low as
Term
HELOC (any purpose)
Up to 100%
8.49% - 15 Year Term
Up to 180 months
2nd HELOC (any purpose)
Up to 100%
9.49% - 15 Year Term
Up to 180 Months
HELOC (any purpose)
Up to 100%
8.99% - 20 Year Term
Up to 240 Months
2nd HELOC (any purpose)
Up to 100%
9.99% - 20 Year Term
Up to 240 Months
Fixed Home Equity Line of Credit
Up to 80%
9.00%
180 Months
2nd Fixed Home Equity Line of Credit
Up to 70%
10.00%
180 Months
Unsecured Home Improvement ONLY ($10,000)
N/A
10.99%
Up to 120 Months
Unsecured Home Improvement ONLY ($25,000)
N/A
12.99%
Up to 180 Months

Note: Closed End Note/Disclosure may show a final varying payment that increases the term 1 month. Rate will be based on internal projection by lender.

*APR = Annual Percentage Rate (estimated). The fixed annual percentage rate under this plan is not based on an index. It is based upon a fixed rate and the market conditions at the time of commitment. Owner-occupied property only. Property and flood insurance may be required. Rates effective as of February 5, 2024 and are subject to change without notice. Credit approval, satisfactory appraisal and other conditions apply. Credit Union will pay all closing fees generally ranging from $0.00 to $1,350 except for the member paid appraisal and if HELOC is closed within 24 months of the open date. Home Equity Lines of Credit are available up to $250,000. Maximum cap 18% APR and floor of 4.00%.

Credit Cards

Type
APR* as low as
Visa Platinum
9.90%
Visa Gold Plus
10.49%
Visa Gold
12.96%

*APR = Annual Percentage Rate. Rates effective as of February 5, 2024 and are subject to change without notice.

Savings Accounts

Type
Rate
APY*
Savings/Clubs (Anticipated) $250.01 - $1,000
0.15%
0.15%
Savings/Clubs (Anticipated) $1,000.01 - $5,000.00
0.20%
0.20%
Savings/Clubs (Anticipated) $5,000.01 - $25,000.00
0.25%
0.25%
Savings/Clubs (Anticipated) $25,000.01 and over
0.40%
0.40%
Money Market (Anticipated) Less than $2,500.00
0.15%
0.15%
Money Market (Anticipated) $2,500.01 - $10,000.00
0.25%
0.25%
Money Market (Anticipated) $10,000.01 - $50,000.00
0.30%
0.30%
Money Market (Anticipated) $50,000.01 and up
0.40%
0.40%

*APY= Annual Percentage Yield.
**Minimum $25 to open; does not apply to club accounts. Share and Club Yield effective January 10, 2024, and may change monthly. Money Market Yields effective February 5, 2024 with a minimum $2,500 to open. Rates are subject to change without notice. The rate may change after account opening. Fees may reduce earnings on the account.

Certificates of Deposit and IRA Certificates

Type
Rate
APY*
6 Month Certificate and IRA Certificates
3.00%
3.05%
1 Year Certificate and IRA Certificates
2.50%
2.53%
18 Month Certificate and IRA Certificates
2.25%
2.28%
2 Year Certificate and IRA Certificates
2.00%
2.02%
3 Year Certificate and IRA Certificates
1.90%
1.92%
4 Year Certificate and IRA Certificates
1.70%
1.71%
5 Year Certificate and IRA Certificates
1.50%
1.51%

*APY=Annual Percentage Yield. Yields effective February 5, 2024 and may change daily. Minimum $1,000 to open and early withdrawal penalties may be imposed which may reduce earnings.

Individual Retirement Accounts (IRAs) - Variable

Type
Rate
APY*
Terms (months)
Traditional, Educational, Roth <$1,000
0.25%
0.25%
N/A
Traditional, Educational, Roth $1,000-$10,000
0.50%
0.50%
N/A
Traditional, Educational, Roth >$10,000
1.25%
1.26%
N/A

*APY = Annual Percentage Yield. Yields effective February 5, 2024. Early withdrawal penalties may be imposed which may reduce earnings. For Variable rate accounts, rates may change after account opening. Fees may reduce earnings on the account.

Interest Checking

Type
Rate
APY*
.01 and Above
0.05%
0.05%

*APY = Annual Percentage Yield. Yields effective February 5, 2024 and are subject to change without notice.

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