Share Rates

As of March 31, 2015
Contact us for more information


Share Deposits A.P.Y.*
Shares ($100 min)** 0.15%
Share Draft** 0.00%
Super Share Draft ($2,500 min)** 0.10%
IRA Shares** 0.35%
Fees may reduce earnings


High Voltage Accounts** A.P.Y.*
Less than $2,500 0.00%
$2,500 - $5,000 0.20%
$5,001 - $10,000 0.20%
$10,000 - $25,000 0.25%
Greater than $25,000 0.30%
Fees may reduce earnings


Share Certificates
Regular and IRA Accounts
Rates as of March 3, 2015
LOYALTY REWARD – Members with CDs that automatically renew at maturity will receive an additional 0.10% on the A.P.Y. on the renewal CD. Limited time offer, ask an employee for details.
Type A.P.Y.*
 6 Month Certificate ($1,000 min.) 0.35%
12 Month Certificate ($1,000 min.) 0.55%
24 Month Certificate ($1,000 min.) 0.90%
36 Month Certificate ($1,000 min.) 1.25%
48 Month Certificate ($1,000 min.) 1.70%
60 Month Certificate ($1,000 min.) 1.85%
Early withdrawal penalties may apply.

*Annual Percentage Yield
**Share Rates as of last dividend declaration date (3-31-2015). 

Certificate Rates effective 3-3-2015, and are subject to change. The rate may change after the account is open.

Loan Rates

As of April 3, 2015
Contact us for More Information

Consumer Loans

Type A.P.R.
New & Used Auto As low as 1.375%
New & Used Harley Davidson As low as 1.375%
Motorcycles As low as 7.00%
New Travel Trailers/RV As low as 7.50%
Used Travel Trailers/RV As low as 7.50%
New Mobile Homes As low as 10.50%
Used Mobile Homes As low as 10.50%
New & Used Boats As low as 7.00%
Computers As low as 9.95%
Personal As low as 9.95%
Share Secured As low as rate + 3.00%
CD Loans As low as CD rate + 3.00%
Farm Equipment As low as 11.25%

First Mortgage Loans

Type A.P.R.
30-Year Fixed

Contact Us For Current First Mortgage Rates

15-Year Fixed
30-Year 1/1 Adjustable
30-Year 3/1 Adjustable
30-Year 5/1 Adjustable
30-Year 7/1 Adjustable

Second Mortgages

Rate Type A.P.R.

Contact Us For Current Rates


Home Equity Loans

Rate Type A.P.R.

Contact Us For Current Rates

Fixed for 10 years

Other Loans

Type A.P.R.
Construction Loans

Contact Us For Current Rates

Commercial Loans


  • Rates are Annual Percentage Rate (APR)
  • Rates and terms are subject  to change without notice
  • Contact us for more information
  • * Rate for the first year

Fee Schedule

As of August 1, 2014
(Subject to Change)

Membership Fee NONE
Draft Printing Varies
Temporary Checks (5 free with check order) $0.25 each
Non-Sufficient Funds (NSF) $20.00 each
Stop Payments $10.00 each
Copy of Draft $2.00 each
Overdraft Transfer Fee - automatic transfer of funds from a share account to a Share Draft account (fee is applied against Share Draft account) $1.00 each
ATM Withdrawals* $1.00 each
ATM Deposits* (at select CO-OP Network ATMs Only) FREE
ATM Transfer* $0.50 each
ATM Balance Inquiry* $0.50 each
Debit Card Reinstatement $25.00 each
Replace Lost Debit Card $5.00 each
PowerLine (telephone account access) FREE
Home Banking (internet account access) FREE
PowerPay Bill Pay service** $5.00 per month
PowerPay Inactive Fee – minimum usage requirement not met** $5.00 per month
PowerPay NSF Fee (in addition to PowerNet NSF Fee)*** $5.00 each
ACH Manual Posting (after second notice) $5.00 each
Wire Transfer - Incoming $5.00 each
Wire Transfers - Outgoing Domestic $15.00 each
Wire Transfers - Outgoing International $35.00 each
Check Cashing Fee (non-member cashing on-us check) $2.00 each
Official Check (payable to third party) $2.00 each
Coin Deposited/Exchanged ($100 or more per day) 5% of amount
Deposited Checks Returned Unpaid $15.00 each
Bad Address Verification / Returned Mail Processing $5.00 per verification
Dormant Accounts*** $10.00 per quarter
Account Activity Printout / Statement Copy $1.00 per page/ $3.00 minimum
Account Research $15.00 per hour/ $15.00 minimum
Account Balancing Assistance $15.00 per hour/ $15.00 minimum
Account Closed Within 90 Days of Opening $10.00
Re-Open Account Closed by Credit Union $10.00
Photocopy $1.00 each
Fax $1.00 per page
Garnishment / Levy Processing $25.00 each
Escheat Processing $25.00 each
Collection Item (incoming or outgoing) $25.00 each
Mortgage Loan Application Fee $350.00 each
Loan Payment Late Fee - Consumer Loan 20% of interest due, $30 max.
Loan Payment Late Fee - Mortgage Loan 5% of payment due

*When you use an ATM not owned by us, you may also be charged a fee by the ATM operator or any network used.

** The PowerPay monthly fee will be waived if you have one of the following and make at least one payment every 60 days: 1) Have direct deposit to the account; 2) Maintain an average total savings balance greater than $2000; or 3) Have an active loan with us (other than MasterCard).

*** An account is considered dormant if there is a minimum daily balance of less than $200.00 in a Share account with no activity to a Share account or in any related account for a period of 24 months.

Shared Branching services are available at over 300 credit unions branches in Florida and over 5,000 branches across the United States. Walk into any credit union displaying the CO-OP Shared Branch logo and access your PowerNet account for deposits, withdrawals and payments. Click here to find out more about shared branching services.