Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

Certificates of Deposit

Account TypeAPR¹APY²
Regular and IRA CD: 6 Months .76% .76%
Regular and IRA CD: 12 Months 1.05% 1.06%
Promotion Regular CD: 18 Months (Min. $1,000 opening deposit) 2.25% 2.27%
Regular and IRA CD: 24 Months 1.25% 1.26%
Promotion Regular and IRA CD: 30 Months (Min. $5,000 opening deposit) 2.47% 2.50%
Regular and IRA CD: 36 Months 1.90% 1.92%
Regular and IRA CD: 48 Months 2.40% 2.43%
Regular and IRA CD: 60 Months 2.90% 2.94%

¹APR - Annual Percentage Rate.  2APY - Annual Percentage Yield. Restrictions apply. Contact floridacentral for complete details. Rates as of  October 12, 2018 and subject to change without notice.

Share Draft (Checking) Accounts

Qualifications

To receive the ultimate return of 2.00% 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 1.25% 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. Maintenance or activity fees may reduce earnings on account.

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*

BalanceAPR¹APY2

$0 - $25,000

1.49%

1.50%

$25,000.01 and over

1.74%

1.50% to 1.75%

All balances if qualifications not met

0.01%

0.01%

Rates effective as of September 30, 2018. Rates and terms are subject to change without notice.

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%

$15,000.01 and over

1.00% to 0.57%

Qualifications not met

0.01%

Rates effective as of February 13, 2018. Rates and terms are subject to change without notice.

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.

Loans

Loan TypeAPR1Term

New Car (as low as)

3.00%

up to 75 months

Used Car (as low as)

3.00%

up to 75 months

New Harley Davidson (as low as)

3.00%

up to 75 months

Used Harley Davidson (as low as)

3.00%

up to 75 months

New Recreational Vehicle (as low as)

6.50%

up to 75 months

Used Recreational Vehicle (as low as)

6.50%

up to 75 months

New Motorcycle (as low as)

6.50%

up to 75 months

Used Motorcycle (as low as)

6.50%

up to 75 months

New Watersport (as low as)

6.50%

up to 75 months

Used Watersport (as low as)

6.50%

up to 75 months

Personal Loan up to $15,000 (as low as)

9.90%

up to 60 months

1APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 7, 2018.

Examples:

A $10,000 auto loan on a new automobile with a term of 60 months, an APR of 3.00%, and no down payment would have an estimated monthly payment of $179.69.

A $10,000 auto loan on a used automobile with a term of 60 months, an APR of 9.65%, and no down payment would have an estimated monthly payment of $210.75.

A $10,000 personal loan with a term of 60 months, an APR of 9.00%, would have an estimated monthly payment of $207.58.

Mortgages

TypeAPR
Term

Fixed

3.750%

10 years

Fixed

4.625%

15 years

Fixed

5.000%

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. Rates effective as of September 4, 2018.

*Please note that the interest rate and fees shown here are available to borrowers with excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here due to loan-level price adjustments that may be added to your interest rate. 

Home Equity Loans and Lines of Credit

TypeAPRTerm

Smartline Home Equity Line of Credit (as low as)

Prime Rate* - .25%

Home Equity (as low as)

4.25%

60 months

Home Equity (as low as)

5.00%

120 months

Home Equity (as low as)

7.75%

180 months

*Prime Rate as published in the Wall Street Journal. RATE CHANGES: The annual percentage rate can change quarterly on the first day of January, April, July, and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.0% or the maximum permitted by law, whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.0% at any time during the term of the plan. 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. Rates effective as of August 1, 2018. Contact floridacentral for complete details.

Example:

A $25,000 Home Equity with a term of 120 months, an APR of 5.00%, would have an estimated monthly payment of $265.16..

Credit Cards

Type
APR
Annual Fee

Rewards Platinum MasterCard® as low as 

11.65%

None

Rates effective July 23, 2018.

Savings

Account TypeAPRAPY

Value Savings

 0.05%

0.05%

Christmas Club

 0.05%

0.05%

Money Market: $2,500-24,999.99

 1.00%

1.00%

Money Market: $25,000-49,999.99

 1.49%

1.50%

Money Market: $50,000 and above

 1.83% 

1.85% 

IRA Savings

0.21%

0.21%

†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. Contact floridacentral for complete details. Rates effective as of September 13, 2018.

¹APR - Annual Percentage Rate.

2APY - Annual Percentage Yield.