Rates
Loans
| Loan Type | APR** | Term |
|---|---|---|
| New Car (as low as) | 1.95% | 60 months |
| Used Car (as low as) | 1.95% | 60 months |
| New Rec Vehicle (as low as) | 7.90% | 84 months |
| Used Rec Vehicle (as low as) | 7.90% | 60 months |
| New Motor Home (as low as) | 7.90% | 120 months |
| Used Motor Home (as low as) | 7.90% | 84 months |
| New Boat (as low as) | 7.90% | 120 months |
| Used Boat (as low as) | 7.90% | 60 months |
| Personal Loan | ||
| up to $10,000 (as low as) | 10.90% | 60 months |
| Computer Loan (as low as) | 10.90% | 36 months |
**APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness and the year, make and model of vehicle. Rates and terms are subject to change without notice. Payment does not include insurances.
Examples:
A $10,000 auto loan on a new automobile with a term of 60 months, an APR of 1.95%, and no down payment would have an estimated monthly payment of $175.05.
A $10,000 auto loan on a new automobile with a term of 60 months, an APR of 2.95%, and no down payment would have an estimated monthly payment of $179.46.
A $10,000 auto loan on a new automobile with a term of 60 months, an APR of 9.00%, and no down payment would have an estimated monthly payment of $207.58.
| Account Type | APY* | APR** |
|---|---|---|
| 6 months | 0.26% | 0.26% |
| 1 year | 0.41% | 0.41% |
| 2 years | 0.71% | 0.71% |
| 2.5 years | 0.71% | 0.71% |
| 3 years | 1.11% | 1.10% |
| 4 years | 1.21% | 1.20% |
| 5 years | 1.51% | 1.50% |
Restrictions apply. Rates and terms subject to change without notice. Penalty applies for early withdrawal. Contact a floridacentral representative for more information.
Credit Cards
| Type | APR** | Annual Fee |
|---|---|---|
| Rewards Platinum MasterCard® | 10.9% | None |
| - | 13.9% | None |
| - | 16.9% | None |
| Platinum Secured MasterCard® | 16.9% | None |
| Visa® Classic | 16.9% | None |
Mortgages
Please contact your local branch or call our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6247 for the most current first mortgage rates.
Home Equity Loans and Lines of Credit
| Type | APR** | Term |
|---|---|---|
| Smartline Home Equity Line of Credit (as low as) | 4.00% | - |
| Home Equity (as low as) | 5.50% | 60 months |
| Home Equity (as low as) | 6.75% | 120 months |
| Home Equity (as low as) | 7.50% | 180 months |
| Home Equity (as low as) | 9.00% | 240 months |
*Annual Percentage Rate. Approval is based upon creditworthiness of individual applicants and loan-to-value (maximum 75% of value minus any other mortgage balances). Rates and terms are subject to change without notice. Maximum Closing costs apply. Contact floridacentral for details.
Share Accounts
| Account Type | APY* | APR** |
|---|---|---|
| Ultimate Checking (if all qualifications including loan qualifiers are met) on balances up to $10,000 | 3.25% | 3.20% |
| Ultimate Checking (if all qualifications except loan qualifiers are met) on balances up to $10,000 | 1.75% | 1.74% |
| Ultimate Checking (if qualifications are met) on balances from $10,000 - $15,000 | 1.00% | 1.00% |
| Ultimate Checking (if qualifications are not met) on all balances.
Ultimate Checking (if qualifications are met) on balances over $15,000.01 | .10% | .10% |
| Preferred Checking (min. $1,000) | .05% | .05% |
| Value Savings | .15% | .15% |
| Christmas Club | .15% | .15% |
| Money Market: $2,500-24,999.99 | .16% | .16% |
| Money Market: $25,000-49,999.99 | .16% | .16% |
| Money Market: $50,000 and above | .26% | .26% |
| IRA Savings | .41% | .41% |
Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees could reduce earnings on account.
*Annual Percentage Yield (APY). The qualifiers for each monthly qualification cycle to receive 3.25% APY (Annual Percentage Rate is 3.20%) and ATM refunds are: at least 12 Check Card transactions post and clear the checking account, have at least one automatic payment or direct deposit post and clear the checking account, enroll in and receive eStatements, and have combined loan balances of $5,000 or more, excluding credit cards and secondary market mortgages. If loan qualifier is not met during the monthly qualification cycle, but the first 3 qualifiers are met, members will earn 1.75% APY (Annual Percentage Rate
is 1.74%) and ATM refunds. APY for balances up to $10,000 is 3.25% if all qualifiers are met and 1.75% if the loan qualifier is not met, but the first 3 qualifiers are met. If at least the first three qualifiers are met, balances between $10,000.01 and $15,000 earn 1.00% APY, and the APY is 0.10% on all balances $15,000.01 and over. The rate for all balances is 0.10% APY regardless of meeting the qualifiers. Check Card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Qualifying transactions must post and clear the account during the monthly
qualification cycle. No minimum balance requirement to earn rewards. Interest is paid monthly. ^ATM fees are refunded at the end of each statement cycle if requirements are met during the monthly qualification cycle. Restrictions apply on discretionary Overdraft Privilege. Rates are subject to change without notice.
** Annual Percentage Rate Effective October 31, 2012
