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  • *Use these tools to estimate your Loan information

    Effective Date
    The rates listed on this page
    are effective as of: January 17, 2013

    Notice
    *Rates may vary due to Credit Evaluation, Term Agreement and other applicable conditions.

    **Rates are subject to change and subject to Credit Union policies.

    Please contact us for up to date rate information.

    Office: 305.545.0744
    Online: Contact Form
    Application: Apply Online

    For further assistance, please contact our Vice President of Lending

    Last updated: January 17, 2013

  • South Florida Federal Credit Union - Current Rates
  • Dividend Rates
    Account Type Rate Annual Percentage Yield (APY)
    Share Savings0.35%0.35%
    Share Draft Checking0.00%0.00%
    Money Market0.55%0.55%
    Clubs (Holiday & Vacation)0.15%0.15%
    IRA - Education1.00%1.00%
    IRA - Roth1.00%1.00%
    IRA - Regular1.00%1.00%
    Jumbo Money Market now available with a rate of 1.10% **Ask for details***
    Share Certificates
    Certificate Type Rate Annual Percentage Yield (APY)
    3 Months0.40%0.40%
    6 Months0.55%0.55%
    9 Months0.65%0.65%
    12 Months1.05%1.05%
    13 MonthsN/AN/A
    18 Months0.80%0.80%
    24 Months0.90%0.90%
    30 Months1.00%1.00%
    36 Months1.10%1.11%
    48 Months1.20%1.21%
    60 Months1.50%1.51%
    $200.00 Minimum Deposit
    Share IRA Certificates
    Certificate Type Rate Annual Percentage Yield (APY)
    6 Months0.55%0.55%
    12 Months1.05%1.05%
    18 Months0.80%0.80%
    24 Months0.90%0.90%
    30 Months1.00%1.00%
    36 Months1.10%1.11%
    48 Months1.20%1.21%
    60 Months1.50%1.51%
    Minimum Deposit for CDs is only $200.00.
    Auto Loans
    Loan Type Term APR
    New Auto (up to 100% Financing)24 to 84 monthsas low as *4.40%
    Used Auto (up to 100% Financing)24 to 72 monthsas low as * 5.99%
    Used Luxury Auto24 to 72 monthsas low as * 5.99%
    Tax Time Loan Promotion good thru 03/31/2013Up to 13 monthsas low as *12.00%
    New & Used Boat36 to 180 monthsas low as *6.25%
    New & Used RV36 to 180 monthsas low as *6.25%
    Used Tractor Trailer LoansUp to 72 monthsas low as * 11.25%
    Motorcycle (up to 90% Financing)24 to 72 monthsas low as *9.75%
    * APR-Annual Percentage Rate. Credit Union loans are granted on the basis of credit worthniness, ability to repay and satisfactory collateral. Rates are subject to change without notice
    Personal
    Loan Type APR
    Personal Line of Credit36 monthsas low as *13.90%
    Executive Line of Credit. Up to 120 months, Variable Rate, Prime plus 3.25%
    Home Equity
    Loan Type Term APR
    Home Equity - Line of Credit180 monthsas low as 6.75%
    Home Equity- Line of Credit240 monthsas low as 7.75%
    Second Mortgage84 to 240 monthsas low as *7.25%
    * APR-Annual Percentage Rate. Credit Union loans are granted on the basis of credit worthiness, ability to repay and satisfactory collateral. Rates are subject to change without notice.
    MasterCard
    Loan Type APR
    Classic MastercardNo annual fee12.20%
    Gold MastercardNo annual fee10.50%
    Platinum Mastercard No annual fee 8.50%
    Other Loans
    Loan Type Term APR
    Share Certificate SecuredUp to the term of the certificate3.00% over current paying dividends
    Share SecuredUp to 60 months3.00% over current paying dividends
    * APR-Annual Percentage Rate. Credit Union loans are granted on the basis of credit worthiness, ability to repay and satisfactory collateral Rates are subject to change without notice