Rates

Rates effective as of 8/11/2014.

APY = Annual Percentage Yield.

Fees may reduce earnings.

Loans

Loan TypeAPR²Term
New Car (as low as)1.95%60 months
Used Car (as low as)2.95%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

²APR - 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 $50,000 boat loan on a new boat with a term of 120 months, an APR of 7.90%, an no down payment would have an estimated monthly payment of $604.07.

A $10,000 personal loan with a term of 60 months, an APR of 10.90%, would have an estimated monthly payment of $216.93.


Mortgages

TypeAPR*Term
Fixed2.875%10 years
Fixed3.500%15 years
Fixed4.250%30 years

Restrictions apply. Rates and terms subject to change without notice. When you look at mortgage rates, you'll see that they're based on different factors, such as the type of mortgage, term as well as annual percentage rate. The APR is useful when you're comparing the total cost of mortgage products among lenders because it includes estimated loan fees and closing costs spread out over the length of the loan. Contact your local branch or call our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6247 for more information.



Home Equity Loans and Lines of Credit

TypeAPR⁵Term
Smartline Home Equity Line of Credit (as low as)4.00%-
Home Equity (as low as)4.00%60 months
Home Equity (as low as)4.50%120 months
Home Equity (as low as)7.50%180 months

Annual Percentage Rate. Approval is based upon creditworthiness of individual applicants and loan-to-value (maximum 80% of value minus any other mortgage balances). Rates and terms are subject to change without notice. Maximum Closing costs apply. Contact floridacentral for details.

Example:

A $25,000 Home Equity with a term of 120 months, an APR of 5.50%, would have an estimated monthly payment of $271.34.


Credit Cards

TypeAPR⁴Annual Fee
Rewards Platinum MasterCard®10.9%None
-13.9%None
-16.9%None
Platinum Secured MasterCard®16.9%None
Visa® Classic16.9%None

⁴APR - Annual Percentage Rate.

Share Accounts†

Account TypeAPYDividend Rate
Ultimate Checking* (if all qualifications including loan qualifiers are met) on balances up to $5,000 3.25%3.20%
Ultimate Checking* (if all qualifications except loan qualifiers are met) on balances up to $5,0001.75%1.74%
Ultimate Checking* (if all qualifications including loan qualifiers are met) on balances from $5,000 to $10,000
1.00%1.00%
Ultimate Checking* (if all qualifications except loan qualifiers are met) on balances from $5,000 to $10,000
1.75% to 1.38%1.00%
Ultimate Checking* (if all qualifications except loan qualifiers are met) on balances above $10,000
1.38% to 0.23%0.10%
Ultimate Checking* (if qualifications are not met) on all balances. 0.10%0.10%

Qualifications

To receive the ultimate return of 3.25% APY* and ATM fee refunds,* simply do the following transactions and activities in your checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and receive eStatement notice
  • Have loan balances of $5,000 or more

If you don't meet the loan qualification in a given cycle, you still get a great 1.75% APY*. The combined loan balances of $5,000 or more, excludes credit cards and secondary market mortgages.


Account TypeAPR¹APY
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%
Regular and IRA CD 6 Months.26%.26%
Regular and IRA CD 12 Months.41%.41%
Regular and IRA CD 24 Months.71%.71%
Regular and IRA CD 36 Months1.20%1.21%
Regular and IRA CD 48 Months1.50%1.51%
Regular and IRA CD 60 Months1.70%1.71%
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. The Preferred Checking account is no longer offered. Anyone that is currently a Preferred Checking member will stay in this account and can continue to take advantage of it. Preferred account holders cannot move back to a Preferred checking once account type is changed.

¹APR - Annual Percentage Rate.

*APY=Annual Percentage Yield. APYs accurate as of 12/12/2013. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $5,000 receive APY of 1.75%; and (3) balances between $5,000 and $10,000 earn 1.00% dividend rate on portion of balance over $5,000, resulting in a range of 1.75% to 1.38% APY depending on the balance; and (4) balances over $10,000 earn 0.10% dividend rate on portion of balance over $10,000, resulting in a range of 1.38% to 0.23% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Restrictions apply on discretionary Overdraft Privilege. Rates are subject to change without notice.


^Must enroll through Internet Banking.