Rates

¹Rates effective as of September 30, 2021. ²Annual Percentage Yield. Blended yield is based on balances up to $5,000 plus $100,000. Rates and terms are subject to change without notice.

Qualifications

To receive the ultimate return of 1.00% 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 $10,000 or more

If you do not meet the loan qualification in a given cycle, you still receive a great 0.25% APY*. The combined loan balances of $10,000 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.

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.

^Must enroll through Online Banking.

Rates effective as of September 30, 2021. ²Annual Percentage Yield. Blended yield is based on balances up to $5,000 plus $100,000. 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.

Share and Checking account rates are declared at month end. Maintenance or activity fees may reduce earnings on account. 

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 February 1, 2023.

Examples:

A $10,000 auto loan on a new automobile with a term of 60 months, an APR of 5.74%, and no down payment would have an estimated monthly payment of $192.12.

A $10,000 auto loan on a used automobile with a term of 60 months, an APR of 8.99%, and no down payment would have an estimated monthly payment of $208.75.

A $10,000 personal loan with a term of 60 months and an APR of 9.99%, would have an estimated monthly payment of $212.42.

*Rates and terms are 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 and 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 6244 for more information. Restrictions apply. Rates effective as of March 29, 2023.

^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. Restrictions apply. 

¹Loan-to-value

*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 March 27, 2023. Contact Floridacentral for complete details.

Example:

A $25,000 Home Equity Loan with a term of 120 months, an APR of 7.000%, would have an estimated monthly payment of $290.27.

Rates effective February 1, 2023

*Annual Percentage Rate based on your creditworthiness. Variable Rate based on the “Prime Rate” published in the Wall Street Journal and will increase or decrease as “Prime” changes. Non-Variable Rate based on an “Internal Index” of Floridacentral Credit Union and will increase or decrease as the “Internal Index” changes. Contact Floridacentral for complete details.

¹Rates effective as of September 30, 2021. ²Annual Percentage Yield. Blended yield is based on balances up to $5,000 plus $100,000. 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.

Share and Checking account rates are declared at month end. Maintenance or activity fees may reduce earnings on account.

¹Share 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 March 15, 2021.

²APR - Annual Percentage Rate.

¹Rates as of March 27, 2023, and subject to change without notice. ²APY - Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Restrictions apply. Contact Floridacentral for complete details.

^This is a limited-time promotional Certificate of Deposit (CD) offer. Offer is subject to end or change at any time without notice. Offer only available for new money. Funds in an account at Floridacentral Credit Union in the 30 days prior to opening a CD are not eligible for this promotional offer. Must be a Floridacentral member or meet membership eligibility requirements. 9-Month CD: The minimum deposit to open this account and earn the stated APY is $10,000. At maturity, the 9-Month Certificate will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. 15-Month CD: The minimum deposit to open this account and earn the stated APY is $15,000. At maturity, the 15-Month Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. 19-Month CD: The minimum deposit to open this account and earn the stated APY is $30,000. At maturity, the 19-Month Certificate will automatically renew for an 18-Month Term at Floridacentral’s then-current 18-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request.