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APY = Annual Percentage Yield. Rates effective as of October 17, 2019. Fees may reduce earnings.

Loan Rates

LOAN RATES, as low as RATE* APR** TERM
Adventure Loan 15.40% - 17.99% 15.40% - 17.90% up to 72 months
Auto Loan (New) 2.79% - 17.99% 2.79% - 17.99% up to 86 months
Auto Loan (Used) 3.29% - 17.99% 3.29% - 17.99% up to 86 months
Boat, RV, Motorcycle or ATV (New) 2.99% - 17.99% 2.99% - 17.99% up to 120 months
Boat, RV, Motorcycle or ATV (Used)  3.99% - 17.99% 3.99% - 17.99% up to 120 months
My Score Card Credit Cards  9.40% - 17.99% 9.40% - 17.99%  N/A
Line of Credit 9.90% - 17.99% 9.90% - 17.99%  up to 72 months
My Path, My Way (Continued Education) 8.40% - 17.99% 8.40% - 17.99% up to 72 months 
Home Loan / 1st Mortgage (Residential) Contact Credit Union Contact Credit Union Contact Credit Union
Home Equity / HE Line of Credit Contact Credit Union Contact Credit Union Contact Credit Union
Hunting Loan 15.40% - 17.99% 15.40% - 17.99% up to 72 months 
Disaster Preparedness Loan 8.40% - 17.99% 8.40% - 17.99% up to 24 months 
Personal "Signature" Loan 15.40% - 17.99% 15.40% - 17.99% up to 72 months 
Special Purchase Loan 5.40% - 17.99%  5.40% - 17.99% up to 84 months
Seasonal Loan 9.40% - 17.99%  9.40% - 17.99% up to 12 months
Wedding Loan 15.40% - 17.99%  15.40% - 17.99% up to 72 months

* Rates - Loan rate eligibility is based on credit worthiness and income / employment history.  Please contact a loan officer for questions about qualifications.  Rates posted above are "as low as" and subject to change without notice. Maximum loan term will depend on age, value, condition, and mileage of collateral and/or amount of the loan. Some restrictions may apply.

** APR = Annual Percentage Rate.

(1) Credit Cards - There are costs associated with the use of a VISA Scorecard.  To get information about these costs, call us at 850.432.9939 or toll free 888.432.9939 or you can visit/write us at 108 South Reus Street, Pensacola, FL 32502 to request a disclosure.

Deposit Rates

DEPOSIT RATES APY DIVIDEND RATE
Savings (Share) Accounts 0.40% 0.40%
Kids "Clubhouse" Club (Share) Account 0.40% 0.40% 
Teens Club (Share) Account 0.40% 0.40%
Christmas Club (Share) Account 0.60% 0.60%
Special Savings Club (Share) Account 0.40% 0.40% 
IRA Passbook 0.40% 0.40%

DEPOSIT DETAILS

The Credit Union Board of Directors determines share and share draft rates.  The dividend rate and annual percentage yield may change every month based on earnings of the Credit Union.  Minimum balance to earn dividends is $100 in a share account, Kid's Clubhouse Share Account, and Teen Club Share Account.  All accounts except term share accounts are variable rate accounts adjusting monthly except for the passbook IRAs that can adjust daily.

CDs Learn More

TERM APY DIVIDEND RATE
6 months 1.15% 1.15% 
12 months 1.75% 1.74%
18 months 1.80% 1.79%
24 months 2.05% 2.03%
36 months 2.25% 2.23%
48 months 2.35% 2.33%
60 months 2.75% 2.72%

Minimum deposit balance to open a share certificate is $1,000.  A penalty may be imposed on share certificates if funds are withdrawn before the maturity date.  So, please keep your funds invested for the full term.  The last thing we want to do is short change your returns!  Share rate effective rate:  January 1, 2019.

IRAs Learn More

TERM APY DIVIDEND RATE
IRA 12 months (Share Certificate) 1.75% 1.74%
IRA 18 months (Share Certificate) 1.80% 1.79%
IRA 24 months (Share Certificate) 2.05% 2.03%
IRA 36 months (Share Certificate) 2.25% 2.23%
IRA 48 months (Share Certificate) 2.35% 2.33%
IRA 60 months (Share Certificate) 2.75% 2.72%

Penalty for early withdrawal

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