Auto Rates

New and Used Auto	APR as low as:
60 months	4.95%
Extended terms and up to 100% financing available for qualified borrowers. Example: For a typical loan with a loan amount of $25,000, a term of 60 months and an APR of 4.95%, would have a monthly payment of $471.28. The actual rate will be disclosed prior to funding. Your qualifying rate will be determined at the time of application and is based on several factors such as: amount financed, loan term, credit history and our automated credit scoring benchmarks.

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Boat/RV Rates

New Boat/RV	APR as low as:
	Fixed	Variable
60 months 120 months 180 months	7.25% 7.50% 7.75%	4.00% 4.00% 4.00%
Used Boat/RV	APR as low as:
	Fixed	Variable
60 months 120 months 180 months	7.25% 7.50% 7.75%	4.00% 4.00% 4.00%
Terms available up to 180 months for fixed or variable rates.  Up to 100% financing for qualified borrowers with minimum payment of $50 on fixed rate loans; up to 90% financing for qualified borrowers with minimum payment of $100 on variable rate loans. Variable rates shown are based on prime. Other indexes may apply; call for details. Example: For a typical fixed-rate loan with a loan amount of $30,000, a term of 180 months and an Annual Percentage Rate of 7.50%, the monthly payment would be $278.

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Motorcycle Rates

New and Used Motorcycle	APR as low as:
60 months	6.75%
Extended terms and up to 100% financing available for qualified borrowers. Example: For a typical loan with a loan amount of $30,000, a term of 60 months and an Annual Percentage Rate of 7.00%, the monthly payment would be $594.

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Signature Loan Rates

Signature	APR as low as:
36 months 60 months	as low as 8.90% as low as 8.90%

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Credit Card Rates

Credit Cards	APR
Emerald Cash Rewards VISA VISA Platinum Visa Classic - College Connection Only	8.9% Fixed 8.9% Fixed 13.9% Fixed
When your credit card payment is received late two (2) or more times within a twelve (12) month period, the periodic rate on your account can be increased as high as 1.4083% per month, which is an Annual Percentage Rate of 16.9%.

How long will it take to pay off a credit card?

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Mortgage Rates

Type	Term	Rates	APR (as low as)
Fixed 3/3 ARM 5/5 ARM	15 year (¹) 30 years (¹¹) 30 years (¹¹¹)	5.25% 5.25%* 5.5%*	5.366% 4.264%* 4.781%*
Examples of payments: (¹) A 15-year fixed-rate loan for $100,000 with a rate of 5.25% would be repaid in 180 payments (principal and interest) of $804. each. (¹¹) A 3/3 adjustable rate mortgage for $100,000 with an introductory rate of 5.25% would be repaid for the first 36 months in payments (principal and interest) of $553. each. (APR after the 36 month introductory period will be variable and may be subject to increase) (¹¹¹) A 5/5 adjustable rate mortgage for $100,000 with an introductory rate of 5.5% would be repaid for the first 60 months in payments (principal and interest) of $568. each. (APR after the 60 month introductory period will be variable and may be subject to increase) * Rates & APR quoted are represented for the initial rate period. After the initial rate period, rates can adjust up or down with a CAP of 2 percentage points for any one change and for no more than 6 percentage points for the term of the loan. A change cannot occur more than once every 36 months for the 3/3 ARM and once every 60 months for the 5/5 ARM. The rate change is based on the movement of a specified index and a margin that is determined at the time you lock in your interest rate. An increase in rate would represent an increase of the monthly (principal and interest) payments.

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Home Equity Loan
Accounts with an Achieva checking or credit card will receive an extra 25 basis points on new Home Equity Loans

Type	Term	LTV	APR as low as:
Fixed Fixed Fixed	60 months 120 months 180 months (¹)	Up to 90% Up to 90% Up to 90%	6.75% 7.00% 7.00%
Example of payments (¹) A 180 months fixed-rate equity loan for $25,000 with a qualifying APR of 6.75% would be repaid in payments (principal and interest) of $221.28. each. HOME EQUITY LINE OF CREDIT
Type	Term	LTV	APR as low as:
Variable	180 months	Max 90%	4.00% (¹)
(¹)Annual Percentage Rate (APR) is variable with a maximum APR of 16%. Typical fees for a Home Equity line of credit of $75,000 could range from $300 - $600. Fees are paid by the credit union with an initial advance of $10,000. Property insurance is required.

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Other Loan Rates

Other Secured	APR as low as:
48 months	8.75%
Extended terms and up to 100% financing available for qualified borrowers.
Savings/Certificate Secured	Regular Savings rate or Certificate rate plus 2.00%.
Checking	APR
Overdraft protection loan	17.00%

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Regular Savings Rates

	Dividend Rate	APY
Regular Savings	.50%	.50%
Minimum balance to earn dividends: $1.
Kids Make Cents- Minimum balance to earn dividends: $1	.50%	.50%
Savings II, PAL, Summer, Holiday- No minimum balance required	.50%	.50%
Dividends/Interest accrues daily and posts monthly on all savings accounts. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. Rate is variable; APY may change after the account is opened.

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Money Market Rates

	Dividend Rate	APY
Money Market	1.49%	1.50%
Minimum balance to earn dividends: $2,000.
Premier Money Market Account
Premier MMA - Minimum balance to earn dividends: $25,000	1.98%	2.00%
Premier MMA - Minimum balance to earn dividends: $50,000	2.18%	2.20%
Dividends/Interest accrues daily and posts monthly on money market accounts. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. Rate is variable; APY may change after the account is opened. Fees may reduce earnings on account.

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Interest Checking Rates

	Dividend Rate	APY
Interest Checking	.15%	.15%
Minimum daily balance to earn dividends: $1,000. Dividends/Interest accrues daily and posts monthly on Interest Checking. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. Rate is variable; APY may change after the account is opened. Fees could reduce earnings on the account.

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Emerald Checking Rates

	Dividend Rate	APY
Emerald Checking	2.96%	3.00%
No minimum balance to earn dividends. High-yield interest of 3.00% APY will be earned on an average daily balance up to and including $25,000. Average daily balances over $25,000 will earn .15% APY. Emerald Checking requires: 1) active e-Statements, and 2) any combination of credit card and debit signature transactions, totaling 12 within the month. If the monthly transaction requirement is not met, no interest will be paid for that month. A signature-based purchase is made by pressing the "Credit" key, and not by pressing the "Debit" key or entering a PIN, at checkout. Internet and mail orders qualify if made with your debit or credit card.

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Individual Retirement & 457b Savings Account Rates
(Includes Traditional, Roth, Coverdell)

	Dividend Rate	APY
Minimum Balance $1	1.49%	1.50%
Minimum Balance $25,000	1.98%	2.00%
Minimum Balance $50,000	2.18%	2.20%
Dividends/Interest accrues daily and posts monthly on all savings accounts, money market accounts and Interest Checking. For certificates of Deposit, interest can be compounded to your CD or deposited in another account. Subject to penalty for early withdrawal. Detailed information can be found in our "Important Information about SHARE Accounts brochure" available at our branches or by calling our Member Answer Center at (727) 585-8775 or (800) 593-2274. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. Rate is variable; APY may change after the account is opened. Fees may reduce earnings on account.

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IRA/457b Certificate of Deposit Rates
(Traditional, Roth, Coverdell)
Accounts with an Achieva checking or credit card will receive an extra 50 basis points on new and renewing CDs

IRA Certificates of Deposit (CD)	Rate	APY
6 mo. ($1,000 minimum)	2.37%	2.40%
6 mo. Plus ($25,000 minimum)	2.47%	2.50%
6 mo. Plus ($75,000 minimum)	2.57%	2.60%
12 mo. ($1,000 minimum)	2.62%	2.65%
12 mo. Plus ($25,000 minimum)	2.72%	2.75%
12 mo. Plus ($75,000 minimum)	2.81%	2.85%
18 mo. ($1,000 minimum)	2.67%	2.70%
18 mo. Plus ($25,000 minimum)	2.76%	2.80%
18 mo. Plus ($75,000 minimum)	2.86%	2.90%
24 mo. ($1,000 minimum)	2.76%	2.80%
24 mo. Plus ($25,000 minimum)	2.86%	2.90%
24 mo. Plus ($75,000 minimum)	2.96%	3.00%
36 mo. ($1,000 minimum)	2.76%	2.80%
36 mo. Plus ($25,000 minimum)	2.86%	2.90%
36 mo. Plus ($75,000 minimum)	2.96%	3.00%
48 mo. ($1,000 minimum)	3.06%	3.10%
48 mo. Plus ($25,000 minimum)	3.15%	3.20%
48 mo. Plus ($75,000 minimum)	3.25%	3.30%
60 mo. ($1,000 minimum)	4.27%	4.35%
60 mo. Plus ($25,000 minimum)	4.36%	4.45%
60 mo. Plus ($75,000 minimum)	4.46%	4.55%
Interest can be compounded to your CD or deposited in another account. Subject to penalty for early withdrawal. Detailed information can be found in our "Important Information about SHARE Accounts brochure" available at our branches or by calling our Member Answer Center at (727) 585-8775 or (800) 593-2274. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. The APY(s) shown assume interest is remaining on deposit. Fees could reduce earnings on account.

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Certificate of Deposit Rates
Accounts with an Achieva checking or credit card will receive an extra 50 basis points on new and renewing CDs

Certificates of Deposit (CD)	Rate	APY
6 mo. ($1,000 minimum)	2.28%	2.30%
6 mo. Plus ($25,000 minimum)	2.37%	2.40%
6 mo. Plus ($75,000 minimum)	2.47%	2.50%
6 mo. Kids/Teens ($500 minimum)	2.28%	2.30%
6 mo. Kids/Teens Plus ($25,000 minimum)	2.37%	2.40%
6 mo. Kids/Teens Plus ($75,000 minimum)	2.47%	2.50%
12 mo. ($1,000 minimum)	2.52%	2.55%
12 mo. Plus ($25,000 minimum)	2.62%	2.65%
12 mo. Plus ($75,000 minimum)	2.72%	2.75%
12 mo. Kids/Teens ($500 minimum)	2.52%	2.55%
12 mo. Kids/Teens Plus ($25,000 minimum)	2.62%	2.65%
12 mo. Kids/Teens Plus ($75,000 minimum)	2.72%	2.75%
18 mo. ($1,000 minimum)	2.57%	2.60%
18 mo. Plus ($25,000 minimum)	2.67%	2.70%
18 mo. Plus ($75,000 minimum)	2.76%	2.80%
18 mo. Kids/Teens ($500 minimum)	2.57%	2.60%
18 mo. Kids/Teens Plus ($25,000 minimum)	2.67%	2.70%
18 mo. Kids/Teens Plus ($75,000 minimum)	2.76%	2.80%
24 mo. ($1,000 minimum)	2.67%	2.70%
24 mo. Plus ($25,000 minimum)	2.76%	2.80%
24 mo. Plus ($75,000 minimum)	2.86%	2.90%
24 mo. Kids/Teens ($500 minimum)	2.67%	2.70%
24 mo. Kids/Teens Plus ($25,000 minimum)	2.76%	2.80%
24 mo. Kids/Teens Plus ($75,000 minimum)	2.86%	2.90%
36 mo. ($1,000 minimum)	2.67%	2.70%
36 mo. Plus ($25,000 minimum)	2.76%	2.80%
36 mo. Plus ($75,000 minimum)	2.86%	2.90%
36 mo. Kids/Teens ($500 minimum)	2.67%	2.70%
36 mo. Kids/Teens Plus ($25,000 minimum)	2.76%	2.80%
36 mo. Kids/Teens Plus ($75,000 minimum)	2.86%	2.90%
48 mo. ($1,000 minimum)	2.96%	3.00%
48 mo. Plus ($25,000 minimum)	3.06%	3.10%
48 mo. Plus ($75,000 minimum)	3.15%	3.20%
48 mo. Kids/Teens ($500 minimum)	2.96%	3.00%
48 mo. Kids/Teens Plus ($25,000 minimum)	3.06%	3.10%
48 mo. Kids/Teens Plus ($75,000 minimum)	3.15%	3.20%
60 mo. ($1,000 minimum)	4.17%	4.25%
60 mo. Plus ($25,000 minimum)	4.27%	4.35%
60 mo. Plus ($75,000 minimum)	4.36%	4.45%
60 mo. Kids/Teens ($500 minimum)	4.17%	4.25%
60 mo. Kids/Teens Plus ($25,000 minimum)	4.27%	4.35%
60 mo. Kids/Teens Plus ($75,000 minimum)	4.36%	4.45%
Interest can be compounded to your CD or deposited in another account. Subject to penalty for early withdrawal. Detailed information can be found in our "Important Information about SHARE Accounts brochure" available at our branches or by calling our Member Answer Center at (727) 585-8775 or (800) 593-2274. APY is Annual Percentage Yield; dividends/interest paid on rate frequency of 365-day year. The APY(s) shown assume interest is remaining on deposit. Fees could reduce earnings on account.

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