Rates
Check Our Rates!
Savings, Checking, & Money Market
Account rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Share† |
$100 |
0.05% |
| Grow Green Savings***† |
$0 |
0.15% |
| Incentive Checking (qualified)** |
$0 |
1.25% |
| Seniority Status Checking |
$1,000 |
0.15% |
| IRAs |
$100 |
0.10% |
| Money Market |
$0 to $999 |
0.00% |
| Money Market |
$1,000 to $2,499 |
0.00% |
| Money Market |
$2,500 to $9,999 |
0.05% |
| Money Market |
$10,000 to $24,999 |
0.05% |
| Money Market |
$25,000 to $49,999 |
0.05% |
| Money Market |
$50,000 to $99,999 |
0.10% |
| Money Market |
$100,000 to $249,999 |
0.10% |
| Money Market |
$250,000 to 499,999 |
0.10% |
| Money Market |
$500,000 + |
0.10% |
3 Month Certificates
3 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.10% |
| Jumbo Certificate |
$100,000 |
0.10% |
| Millionaire Certificate |
$1,000,000 |
0.20% |
6 Month Certificates
6 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.20% |
| Jumbo Certificate |
$100,000 |
0.20% |
| Millionaire Certificate |
$1,000,000 |
0.30% |
12 Month Certificates
12 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.30% |
| Jumbo Certificate |
$100,000 |
0.30% |
| Millionaire Certificate |
$1,000,000 |
0.40% |
24 Month Certificates
24 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.60% |
| Jumbo Certificate |
$100,000 |
0.60% |
| Millionaire Certificate |
$1,000,000 |
0.70% |
36 Month Certificates
36 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.70% |
| Jumbo Certificate |
$100,000 |
0.70% |
| Millionaire Certificate |
$1,000,000 |
0.80% |
48 Month Certificates
48 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.80% |
| Jumbo Certificate |
$100,000 |
0.80% |
| Millionaire Certificate |
$1,000,000 |
0.90% |
60 Month Certificates
60 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.85% |
| Jumbo Certificate |
$100,000 |
0.85% |
| Millionaire Certificate |
$1,000,000 |
0.95% |
*A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 10/22/20. Share certificate dividend rates are accurate as of 10/22/20. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts. There will be a penalty for early withdrawal of certificates. Call 407.426.6000 for recent rate changes. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Dividends are paid at the end of each month. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts.
**Incentive Checking is a variable rate account and the rate may change after the account is opened. The Incentive Checking account is a Tiered Rate account. If your average daily balance is $20,000.00 or below and requirements are met, the APY will be the qualified APY. If your average daily balance is $20,000.00 or below and requirements are not met, the APY will be 0.05%. If your average daily balance is $20,000.01 or greater, 0.05% APY will apply to the average daily balance exceeding $20,000.00. To receive the qualified APY, member must have a valid email address, use eStatements, make a minimum of 3 Bill Pay transactions post to your account each month, and make a minimum of 8 Smart Check Debit Card transactions each month. Fees could reduce the earnings on the account.
***Grow Green Savings is a variable rate account and the rate may change after the account is opened. Must use eStatements to qualify for APY. If the account does not meet the eStatements requirement, the APY will revert back to the current Regular Share account rate. No minimum balance required to earn APY. Fees could reduce the earnings on the account.
†A monthly minimum balance fee may apply if the daily balance falls below $250.
Loan Rates
Auto Loans
Auto Loan Rates
| Loan Type |
Term |
Daily Periodic Rate |
Annual Percentage Rate |
| New Autos* |
Up to 72 Months |
0.005890% - 0.044520% |
2.15% - 16.25% |
| Used Autos* |
Up to 72 Months |
0.006822% - 0.046548% |
2.49% - 16.99% |
| Experienced/Classic Autos* |
Up to 36 Months |
0.024630% - 0.046548% |
8.99% - 16.99% |
*Your actual rate will be customized based on your credit characteristics. The lowest rates shown are for members with excellent credit. These loan rates, effective August 3, 2020 are an addendum to your LoanLiner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher.
Other Vehicle Loans
Recreational Vehicle Loan Rates
| Loan Type |
Term |
Daily Periodic Rate |
Annual Percentage Rate |
| New Boats* |
Up to 72 Months |
0.015041% - 0.036959% |
5.49% - 13.49% |
| Used Boats* |
Up to 72 Months |
0.015041% - 0.036959% |
5.49% - 13.49% |
| New Motorcycle* |
Up to 72 Months |
0.012301% - 0.032986% |
4.49% - 12.04% |
| Used Motorcycle* |
Up to 72 Months |
0.013671% - 0.034356% |
4.99% - 12.54% |
| New RV* |
Up to 72 Months |
0.013671% - 0.035589% |
4.99% - 14.99% |
| Used RV* |
Up to 72 Months |
0.013671% - 0.035589% |
4.99% - 14.99% |
| New Jet Ski & ATV* |
Up to 36 Months |
0.023945% - 0.046548% |
8.74% - 16.99% |
| Used Jet Ski & ATV* |
Up to 36 Months |
0.026685% - 0.049288% |
9.74% - 17.99% |
*Your actual rate will be customized based on your credit characteristics. The lowest rates shown are for members with excellent credit. These loan rates, effective August 3, 2020 are an addendum to your LoanLiner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher.
