Deposit Account & Loan Rates
Account Rates
Rates effective as of December 8, 2025
Club Accounts**
| Range | Rate | APY* |
|---|---|---|
| $100 – $499.99 | 0.05% | 0.05% |
| $500 – $4,999.99 | 0.05% | 0.05% |
| $5,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 and over | 0.15% | 0.15% |
** Minimum of $5.00 required to open account.
Money Management†
| Range | Rate | APY* |
|---|---|---|
| $2,500 – $4,999.99 | 0.40% | 0.40% |
| $5,000 – $49,999.99 | 0.45% | 0.45% |
| $50,000 – $99,999.99 | 0.65% | 0.65% |
| $100,000 – 249,999.99 | 0.95% | 0.95% |
| $250,000 and over | 1.05% | 1.06% |
† Minimum of $2,500.00 required to open account.
* APY= Annual Percentage Yield
Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates 24 hours a day, simply call TellerLine24 at 305-471-5335 or 800-696-5962.
Loan Rates
Rates effective as of July 1, 2025
Signature Loan
| Term | APR | Min. Loan Amount |
|---|---|---|
| Up to 60 months | As low as 10.49% |
$500.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
County Line of Credit
| Term | APR | Min. Loan Amount |
|---|---|---|
| No Term | 10.74% | $2,500.00 |
VISA Platinum Credit Card
| Term | APR |
|---|---|
| Revolving | As low as 11.90% to 17.90% |
Certificate Secured Loan
| Term | APR | Min. Loan Amount |
|---|---|---|
| Up to Maturity of Certificate | 2.5% above the Certificate Rate | $500.00 |
New Auto Loans
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.24% |
$5,000.00 |
| 48 Months | As low as 4.49% |
$5,000.00 |
| 60 Months | As low as 4.74% |
$5,000.00 |
| 66 Months | As low as 4.99% |
$5,000.00 |
| 72 Months | As low as 5.24% |
$5,000.00 |
| 75 Months | As low as 5.49% |
$5,000.00 |
| 84 Months | As low as 5.99% |
$20,000.00 |
| 96 Months | As low as 6.94% |
$85,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.
Used Auto Loans
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.74% |
$5,000.00 |
| 48 Months | As low as 4.99% |
$5,000.00 |
| 60 Months | As low as 5.24% |
$5,000.00 |
| 66 Months | As low as 5.49% |
$5,000.00 |
| 72 Months | As low as 5.74% |
$5,000.00 |
| 75 Months | As low as 5.99% |
$5,000.00 |
| 78 Months | As low as 6.24% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
New & Used Motorcycle Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 60 months | As low as 4.00% |
$5,000.00 |
| Used - up to 60 Months | As low as 5.00% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
New & Used RV Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 84 months | As low as 4.75% |
$20,000.00 |
| Used - up to 60 months | As low as 5.75% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
New & Used Boat Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 72 months | As low as 7.49% |
$5,000.00 |
| Used - up to 72 months | As low as 8.00% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
Camping Unit & Travel Trailer Loans
| Type/Term | APR | Min. Loan Amount |
|---|---|---|
| New - up to 72 months | As low as 6.75% |
$5,000.00 |
| Used - up to 60 months | As low as 7.75% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.
Home Equity Line of Credit (HELOC)
HELOC has a 20-year term with 10-year draw period.
| Introductory Term | Introductory APR | Min. Loan Amount |
|---|---|---|
| 12 Months | As low as 3.99% |
As low as $25,000.00 |
| 60 Months | As low as 6.99% |
$25,000.00 |
*Introductory rate as low as 3.99% APR available for 12 months with a minimum draw at time of closing of $25,000 or full line, if less than $25,000. Credit Union pays customary closing costs up to $1,500. Up-to 85% CLTV (combined loan-to-value), PMI may be required, subject to property valuation, valid for primary residences, single family, PUD or condos in Florida only. Existing loans are not eligible for promotional rate unless new loan with an increase advance of $25,000 is obtained. After initial promotional period, the APR may vary, subject to Prime plus or minus contracted margin. The APR will not go below the Floor Rate of 4.00% and higher than the Cap of 18.00%. The Member must repay the closing costs if the loan is paid and closed prior to 2 years. Rates and terms are subject to change without notice. Must close with A&M Title. Homeowners/Windstorm is required and Flood Insurance is required if property is located in a Flood Zone. Rates and terms subject to change without notice. Credit Union Membership required prior to closing.
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APR = Annual Percentage Rate. Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion.
Term = The repayment period for all loan types varies.
Business Accounts
Rates effective as of June 23, 2025
Simple Business Checking
| Range | Rate | APY* |
|---|---|---|
| $3,000 and over | 0.05% | 0.05% |
Minimum of $30.00 required to open account.
Community Checking (nonprofit)
| Type | Rate | APY* |
|---|---|---|
| Non Dividend Bearing | 0.0% | 0.0% |
Minimum of $40.00 required to open account.
Business Money Management
| Range | Rate | APY* |
|---|---|---|
| $2,500 – $9,999.99 | 0.35% | 0.35% |
| $10,000 – $24,999.99 | 0.35% | 0.35% |
| $25,000 – $49,999.99 | 0.40% | 0.40% |
| $50,000 – $999,999.99 | 0.45% | 0.45% |
| $1,000,000 and over | 3.75% | 3.82% |
Minimum of $2,500.00 required to open account.
*Annual Percentage Yield
Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates 24 hours a day, simply call TellerLine24 at (305)471-5335 or (800)696-5962.