Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 13, 2015. Fees may reduce earnings.

Loans

Loan TypeAPR1Term

New Car (as low as)

2.05%

60 months

Used Car (as low as)

2.95%

60 months

New Recreational Vehicle (as low as)

7.90%

84 months

Used Recreational Vehicle (as low as)

7.90%

60 months

New Motor Home (as low as)

8.90%

120 months

Used Motor Home (as low as)

8.90%

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

Personal Loan Computer Loan (as low as)

10.90%

36 months

1APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, 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 2.05%, and no down payment would have an estimated monthly payment of $175.52.

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

Fixed

2.875%

10 years

Fixed

3.500%

15 years

Fixed

3.875%

30 years

Restrictions apply. Rates and terms subject to change without notice. When you look at mortgage rates, you will see that they are based on different factors, such as the type of mortgage term as well as annual percentage rate. The APR is useful when you are 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 contact our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6247 for more information.

Home Equity Loans and Lines of Credit

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

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

Share Accounts

Qualifications

To receive the ultimate return of 3.25% APY* and ATM fee refunds,* simply complete 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 do not meet the loan qualification in a given cycle, you still receive a great 1.75% APY*. The combined loan balances of $5,000 or more, excludes credit cards and secondary market mortgages.

Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. The Preferred Checking account is no longer offered. Anyone that is currently a Preferred Checking member will remain in this account and can continue to take advantage of it. Preferred account holders cannot move back to a Preferred checking once the account type is changed.

Transactions may take one or more business 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. There is no minimum balance requirement. ^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.

^Must enroll through Internet Banking.

Kasasa Cash*

BalanceAPY2

$0 - $15,000

2.00%

$15,000+

2.00% to 0.70%

All balances if qualifications not met

0.10%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply complete the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle to your account
  • Have at least one direct deposit or  automatic payment (ACH) post and settle to your account
  • Be enrolled and receive eStatements

If you do not meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver*

BalanceAPY2

0 - $15,000

1.00%

$15,000+

1.00% to 0.57%

Qualifications not met

0.10%

A Kasasa Cash® account is required to have a Kasasa Saver account. If Kasasa Cash® is linked to Kasasa Saver, dividends will post to your Kasasa Cash and then automatically transfer to your Kasasa Saver account, and ATM refunds will post directly to your Kasasa Saver account. When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since they are automatically transferred to the Kasasa Saver account. 

If you miss a monthly qualification cycle, don't worry! There's no penalty for not qualifying in a given monthly qualification cycle, and both of your Kasasa accounts are still free. Plus, you will still earn our base rate, and you can earn rewards on both accounts the very next cycle that you qualify.

Savings

Account TypeAPRAPY

Preferred Checking (min. $1,000)

0.05%

0.05%

Value Savings

0.15%

0.15%

Christmas Club

0.15%

0.15%

Money Market: $2,500-24,999.99

0.26%

0.26%

Money Market: $25,000-49,999.99

0.26%

0.26%

Money Market: $50,000 and above

0.36%

0.36%

Regular and IRA CD 6 Months

0.36%

0.36%

Regular and IRA CD 12 Months

0.66%

0.66%

Regular and IRA CD 24 Months

1.05%

1.06%

Regular and IRA CD 36 Months

1.30%

1.31%

Regular and IRA CD 48 Months

1.60%

1.61%

Regular and IRA CD 60 Months

1.80%

1.81%

IRA Savings

0.41%

0.41%

†Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. The Preferred Checking account is no longer offered. Anyone that is currently a Preferred Checking member may remain 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.

2APY - Annual Percentage Yield.