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Accounts Minimum A.P.Y.*
Regular Share  $100  0.05%
Grow Green Savings***  $0  0.15%
Incentive Checking (qualified)**  $0 1.25%
Seniority Status Checking  $1,000 0.15%
IRAs  $100 0.10%
Money Market  $0 to $999 0.00%
Money Market  $1,000 to $2,499 0.00%
Money Market  $2,500 to $9,999 0.05%
Money Market  $10,000 to $24,999 0.05%
Money Market  $25,000 to $49,999 0.05%
Money Market  $50,000 to $99,999 0.10%
Money Market $100,000 to $249,999 0.10%
Money Market $250,000 to 499,999 0.10%
Money Market $500,000 + 0.10%
3 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.25%
0.35%
0.45%
6 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.25%
0.35%
0.45%
12 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.30%
0.40%
0.50%
24 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.65%
0.75%
0.85%
36 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate
 
$ 1,000
$100,000
$1,000,000

0.98%
1.09%
1.19%
48 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

1.10%
1.20%
1.30%
60 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate
 
$ 1,000
$100,000
$1,000,000

1.25%
1.35%
1.45%
* A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 06/22/17. Share certificate dividend rates are accurate as of 06/22/17. There will be a penalty for early withdrawal of certificates. Call 407.426.6000 for recent rate changes. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice.  Dividends are paid at the end of each month.

**Incentive Checking is a variable rate account and the rate may change after the account is opened. The Incentive Checking account is a Tiered Rate account. If your average daily balance is $15,000.00 or below and requirements are met, the APY will be the qualified APY. If your average daily balance is $15,000.00 or below and requirements are not met, the APY will be 0.05%. If your average daily balance is $15,000.01 or greater, 0.05% APY will apply to the average daily balance exceeding $15,000.00. To receive the qualified APY, member must have a valid email address, use eStatements, make a minimum of 3 Bill Pay transactions post to your account each month, and make a minimum of 8 Smart Check Debit Card transactions using your signature each month. Fees could reduce the earnings on the account.

***Grow Green Savings is a variable rate account and the rate may change after the account is opened. Must use eStatements to qualify for APY. If the account does not meet the eStatements requirement, the APY will revert back to the current Regular Share account rate. No minimum balance required to earn APY. Fees could reduce the earnings on the account.

****Summer Serenity Savings is a Tiered Rate account. 0.20% PAY on balances $0.01-$100.00 and 3.00% APY on balances $100.01-$10,000. The minimum amount to open an account is $5.00; maximum to open an account is $500. Initial deposits can be made in the branch; thereafter, deposits must be made through direct deposit. Withdrawals must be made by coming to the branch or by calling Member Support Center. Maximum amount allowed in account is $10,000. To be eligible for a "Summer Serenity" Savings Account, must be an employee of an approved participating organization, and must also have a Checking account with Insight. All new checking accounts must be verified and approved through ChexSystems. Other restrictions may apply. Rate may change after account is opened and fee may reduce earnings. Information is accurate as of 06/22/17.

 

Loan Type Term Daily Periodic Rate Annual Percentage Rate
New Autos*  Up to 72 Months: Extended terms available**  0.005890% - 0.044520%  2.15% - 16.25%
Used Autos*  Up to 72 Months: Extended terms available**  0.006822% - 0.046548%  2.49% - 16.99%
Experienced/Classic Autos* Up to 36 Months  0.024630% - 0.046548%  8.99% - 16.99%
New Auto First Time Buyer Up to 60 Months 0.038329%  13.99%
Used Auto First Time Buyer  Up to 60 Months 0.038329%   13.99% 
*Your actual rate will be customized based on your credit characteristics. The lowest rates shown are for members with excellent credit. These loan rates, effective February 1, 2016 are an addendum to your LoanLiner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts.

**Extended terms available. Some restrictions may apply. Rates subject to change without notice.

 

Loan Type Term Daily Periodic Rate Annual Percentage Rate
New Boats *  72 Months: Extended terms available**   0.013671% - 0.035589%  4.99% - 12.99%
Used Boats*  72 Months: Extended terms available**   0.013671% - 0.035589%  4.99% - 12.99%
New Motorcycle* 84 Months: Extended terms available**   0.012301% - 0.032986%  4.49% - 12.04%
Used Motorcycle* 84 Months: Extended terms available**   0.013671% - 0.034356%  4.99% - 12.54%
New RV*  72 Months: Extended terms available**   0.013671% - 0.035589%  4.99% - 14.99%
Used RV*  72 Months: Extended terms available**   0.013671% - 0.035589%  4.99% - 14.99%
New Jet Ski & ATV*  Up to 36 Months   0.023945% - 0.046548%   8.74% - 16.99%
Used Jet Ski & ATV*  Up to 36 Months   0.026685% - 0.049288%   9.74% - 17.99%
*Your actual rate will be customized based on your credit characteristics. The lowest rates shown are for members with excellent credit. These loan rates, effective February 1, 2016 are an addendum to your LoanLiner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts.

**Extended terms available. Some restrictions may apply. Rates subject to change without notice.


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