Share Rates

As of September 30, 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 (9-30-2015). 

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 May 1, 2015
(Subject to Change)

Membership Fee None
Bad Address Fee1 - monthly $5.00
Dormant Account Fee2 - quarterly $15.00
Membership Closed within 90 Days $10.00
Re-Open Account Closed by PowerNet $10.00
Check Printing varies
Temporary Check $0.25
NSF/Uncollected Funds $25.00
Overdraft Transfer Fee $1.00
Stop Payment $25.00
Deposited Item Returned $15.00
Deposited Item Returned (self-to-self) $25.00 $25.00
ATM Balance Inquiry $0.50
ATM Deposit3 Free
ATM Share-to-Share Transfer $0.50
ATM Withdrawal $1.00
Debit Card Reinstatement Fee4 $25.00
Foreign Transaction - Currency Conversion 1% of purchase
Replacement Debit Card (lost/stolen) $8.00
Official Check $3.00
Coin Deposited/Exchanged5 5% of amount
Check Cashing - non-members $5.00
PowerLine - Telephone Account Access Free
Home Banking - Internet Account Access Free
PowerPay Bill Pay Service6 - monthly $5.00
PowerPay/PopMoney NSF Fee7 $5.00
Wire Transfers - Incoming $5.00
      Outgoing - Domestic $20.00
      Outgoing - International - foreign funds $40.00
      Outgoing - International - US dollars $45.00
Account Activity Printout/Statement Copy $1/page, $4 min.
Account Research/Balancing Assistance $15/hour
ACH Manual Posting $5.00
Photocopy - per page $1.00
Fax - per page $1.00
Copy of Check $2.00
Garnishment/Levy Processing $40.00
Escheat Processing $25.00
Collection Item $25.00
  1. Member must notify CU of new address. Address changes notice from USPS to CU will not be accepted.
  2. Membership is Dormant if there is no activity for 24 months and total deposit balance is less than $500.
  3. Available at select CO-OP Network ATMs only.
  4. Reinstate frozen debit card because of overdraft.
  5. Charged on coin transactions greater than $50.
  6. 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).
  7. In addition to PowerNet NSF fee.

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.