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Share Rates

As of April 16, 2018
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** 0.20%
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 0.25%
$10,000 - $25,000 0.30%
Greater than $25,000 0.35%
Fees may reduce earnings

 

Share Certificates
Regular and IRA Accounts
Rates as of April 16, 2018
Type A.P.Y.*
 6 Month Certificate ($1,000 min.) 0.55%
12 Month Certificate ($1,000 min.) 0.95%
24 Month Certificate ($1,000 min.) 1.25%
36 Month Certificate ($1,000 min.) 1.50%
48 Month Certificate ($1,000 min.) 1.75%
60 Month Certificate ($1,000 min.) 2.10%
Early withdrawal penalties may apply.

*Annual Percentage Yield
**Share Rates as of last dividend declaration date (3-31-2018). 

Certificate Rates effective 4-16-2018, and are subject to change. The rate may change after the account is open.

Loan Rates

As of April 23, 2018
Contact us for More Information

Consumer Loans

Type A.P.R.
New & Used Auto As low as 3.50%
New & Used Harley Davidson As low as 3.50%
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.
Adjustable

Contact Us For Current Rates

Fixed

Home Equity Loans

Rate Type A.P.R.
Adjustable

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 April 1, 2018
(Subject to Change)

MEMBERSHIP  
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
ACCOUNT  
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
DEBIT CARD & ATM  
ATM Balance Inquiry $0.50
ATM Deposit3 Free
ATM Share-to-Share Transfer $0.50
ATM Withdrawal4 $1.00
Debit Card Reinstatement Fee5 $25.00
Foreign Transaction - Currency Conversion 1% of purchase
Replacement Debit Card (lost/stolen) $8.00
MISCELLANEOUS  
Official Check $3.00
Coin Deposited/Exchanged6 5% of amount
Check Cashing - non-members $5.00
PowerLine - Telephone Account Access Free
Home Banking - Internet Account Access Free
PowerPay Bill Pay Service7 - monthly $5.00
Excessive PowerPay Bill Payments
(>20 per mo.) - each
$1.00
Bill Pay Electronic Payment Return/Reject Fee8 $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 change notices from USPS to CU will not be accepted.

2 Membership is Dormant if there is no activity for 12 months and total deposit balance is less than $500.

3 Available at select CO-OP Network ATMs only.

4 First 8 ATM withdrawals per month are free.
5 Reinstate frozen debit card because of overdraft.
6 Charged on coin transactions greater than $50.
7 PowerPay monthly fee will be waived if you have one of the following and make at least one payment every 60 days: 1) Sign up and receive EStatements; 2) Maintain an average total savings balance greater than $2000; or 3) Have an active loan with us, including MasterCard Credit Card..
8 Electronic bill payment returned because of invalid account information entered by member.

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Co-Op Shared Branch

Shared Branching services are available at over 300 credit unions in Florida and over 5,000 across the US. Look for the CO-OP Shared Branch logo at any credit union and access your PowerNet account. Learn more about shared branching services...

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