Lending Rates

Auto Loans

Auto Loan Rates
Loan Type Approximate Term Annual Percentage Rate* (As Low As)
New & Used Auto Up to 36 Months 4.24%
New & Used Auto Up to 66 Months 4.99%
New & Used Auto Up to 75 Months 5.49%
New & Used Auto Up to 84 Months 5.74%
Older Used Auto Up to 48 Months 7.49%
New & Used Credit Rebuilder Auto 15.00%
New & Used Credit Starter Auto 15.00%
Calculators
Apply for an Auto Loan

Personal Loans

Personal Loans Rates
Loan Type Approximate Term Annual Percentage Rate* (As Low As)
Personal Loan Up to 60 Months 10.40%
Personal Line of Credit Up to 60 Months 9.90%
Credit Rebuilder Up to 12 Months 18.00%
Starter Signature Up to 12 Months 18.00%
Vacation Up to 12 Months 9.90%
Christmas Up to 12 Months 9.90%
Calculators
Apply for a Personal Loan

Other Secured Loans

Other Secure Loans
Loan Type Approximate Term Annual Percentage Rate* (As Low As)
New & Used Boat/Jetski Up to 60 Months 6.49%
New & Used Boat/Jetski Up to 72 Months 6.74%
New & Used Boat/Jetski Up to 84 Months 7.74%
New & Used Boat/Jetski Up to 120 Months 7.99%
New & Used RV/Motorhome Up to 60 Months 6.49%
New & Used RV/Motorhome Up to 72 Months 6.74%
New & Used RV/Motorhome Up to 84 Months 7.74%
New & Used RV/Motorhome Up to 120 Months 7.99%
New & Used RV/Motorhome Up to 144 Months 7.99%
New & Used RV/Motorhome Up to 180 Months 8.24%
New & Used Motorcycle/4-Wheeler/ATV Up to 60 Months 6.49%
New & Used Motorcycle/4-Wheeler/ATV Up to 72 Months 6.74%
New Tractor Up to 60 Months 8.90%
Calculators
Apply for a Loan

Credit Cards

MASTERCARD PLATINUM

Master card Platinum rates
Item Rate
Annual Fee None
APR* for Purchases 9.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Purchases None
Over Credit Limit Fee $10

MASTERCARD CLASSIC & SECURED MASTERCARD

Master Card Classic rates
Item Rate
Annual Fee None
APR* for Purchases 12.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum Finance Charge $0.50
Transaction Fee for Purchases None
Over Credit Limit Fee $10

MASTERCARD STARTER

Mastercard Starter Rates & Fees
Item Rate
Annual fee None
Annual percentage rate (APR*) for purchases 14.90%
Method of computing the balance for purchases and cash advances Average Daily Balance (Including new purchases)
Minimum finance charge $0.50
Transaction fee for purchases None
Over Credit Limit Fee $10
Calculators
Apply for a Credit Card

Home Loans

Home Loans rates
Loan Type Approximate Term Annual Percentage Rate* (As Low As)
Land Loan Up to 60 Months 6.49%
Land Loan Up to 120 Months 6.99%
Land Loan Up to 144 Months 6.99%
Land Loan Up to 180 Months 7.24%
Land Loan Up to 240 Months 7.49%
Home Equity Up to 60 Months 6.24%
Home Equity Up to 120 Months 6.49%
Home Equity Up to 180 Months 6.74%
Home Equity Up to 240 Months 6.99%
First Mortgage Refinance Up to 60 Months 5.99%
First Mortgage Refinance Up to 120 Months 6.24%
First Mortgage Refinance Up to 180 Months 6.49%
Contact a Loan Officer
More About Home Loans

Loan Questions?

Email loans@srcfcu.org, call (850) 623-3877 or visit one of our branch locations.

Savings Rates

Savings Accounts

Savings Accounts rates
Shares Interest Rate Annual Percentage Yield**
Regular Savings 0.35% 0.35%
Christmas Club 0.35% 0.35%
Health Savings Account (HSA) 0.35% 0.35%
Calculators
Open a Share

Savings Certificates

Savings Certificates rates
Savings Certificates Interest Rate Annual Percentage Yield**
3 Month Term 0.90% 0.90%
6 Month Term 1.98% 2.00%
9 Month Term 3.69% 3.75%
12 Month Term 2.72% 2.75%
18 Month Term 2.72% 2.75%
24 Month Term 2.72% 2.75%
30 Month Term 2.72% 2.75%
36 Month Term 2.72% 2.75%
Calculators
Open a CD

Individual Retirement Accounts

Individual Retirement Accounts
IRA Certificates Interest Rate Annual Percentage Yield**
12 Month Term 2.72% 2.75%
24 Month Term 2.72% 2.75%
36 Month Term 2.72% 2.75%
 
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All rates effective June 30, 2025