Rates Effective 5/5/26
Current Connect Credit Union Rates
Compare current Connect Credit Union rates for savings accounts, checking accounts, certificates, money market accounts, auto loans, personal loans, credit cards, mortgages, and home equity lines of credit. Rates are subject to change and may vary based on product type, term, balance, creditworthiness, and membership eligibility.
Connect Credit Union provides competitive deposit and loan rates for eligible members across Florida, including Fort Lauderdale, Miami, Stuart, Broward County, Miami-Dade County, and Martin County.
Auto Loans
Auto loans with competitive rates and flexible terms for new or used vehicles. Qualified borrowers can enjoy up to 90 days no payments3.
1New Autos are defined as model years, 2024 through 2026 with fewer than 36,000 miles.
2Used Autos are defined as vehicles over 3 years old or over 36000 miles. Pre-owned vehicles older than model year 2024 or with more than 36,000 miles may be subject to higher rates and must go through standard underwriting.
3 Finance charge begins from date of purchase and is repaid over the term.
4 APR = Annual Percentage Rate.
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
New Auto Loan Annual Percentage Rates (APR) for 48 months financing are as low as 5.24% APR. These rates include a discount of -0.50% APR for automatic payment transfer.
Additional discounts available are -0.25% APR for purchase of CCU Extended Warranty and -0.25% APR for purchase of CCU GAP Insurance. No APR will be below the Credit Union's floor rate of 4.49% APR. For more information, contact a loan officer.
Loan payment examples: $20,000 loan for 48 months at 5.24% will have a monthly payment of $462.90, $23.15 for each $1,000 borrowed. A $20,000 loan for 72 months at 5.99% will have a monthly payment of $329.01, $16.45 for each $1,000 borrowed.
Other loan amounts, rates, and terms are available if you apply and qualify.
Credit Cards
Credit cards accepted worldwide, with low interest rates and rewards available for everyday purchases.
1 APR = Annual Percentage Rate.
Rates are subject to change and are based on the term and individual's creditworthiness. For more information, contact your credit union representative.
HELOCs
HELOCs give you access to funds when you need them.
1 APR = Annual Percentage Rate.
2 Surcharges applied for:
- All other property types +0.50%, including condo, duplex, villa, townhome, multi-use, etc.
- Non-owner occupied property, 1st position lien: +1.00% plus property type surcharge, if applicable.
- Non-owner occupied property, 2nd position lien: +2.00% plus property type surcharge, if applicable.
$50.00 application fee for credit processing is paid at time of application.
Appraisal and closing costs are paid by the borrower(s).
Closing costs include a $395.00 origination fee.
Loans
Loans to help you manage expenses, reach your goals, treat yourself, or handle an emergency. We're here to support you every step of the way.
1 APR = Annual Percentage Rate.
2 Loan term matches the Certificate used to secure the loan, and the rate is 1.5% above the Certificate rate.
Rates are subject to change and are based on the term and individual's creditworthiness. For more information, contact your credit union representative.
Boats, Motorcycles & RVs
Adventure starts here with competitive financing for boats, motorcycles, and RVs.
1 APR = Annual Percentage Rate.
1APR = Annual Percentage Rate.
These rates include a discount of -.50% APR for automatic payment transfer. Additional discounts available are a -.25% APR for Purchase of CCU Extended Warranty and -.25% APR for Purchase of CCU GAP Insurance. No APR will be below the Credit Union's floor rate of 4.99% APR. For more information, contact a loan officer.
Loan payment examples: $20,000 loan for 48 months at 5.24% will have a monthly payment of $462.90, $23.15 for each $1,000 borrowed; $20,000 loan for 72 months at 5.99% will have a monthly payment of $329.01, $16.45 for each $1,000 borrowed. Other loan amounts, rates and terms are available if you apply and qualify.
Mortgages
Mortgages with a range of home financing solutions to fit different goals and stages of life.
Certificates & IRA Certificates
A Certificate of Deposit (CD) is a smart and safe way to grow your savings.
1 APY = Annual Percentage Yield.
5 If the certificate is redeemed prior to maturity date, the penalty shall be equal to all the interest earned on the amount withdrawn prior to the maturity date, or an amount equal to 90 days interest at the certificate rate.
The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the account.
Fees could reduce the earnings on the account. Advertised rates are subject to change without notice.
Federally insured by NCUA.
Checking
Your Checking Account is a dependable way to easily manage your daily finances.
1 APY = Annual Percentage Yield.
3 If requirements are not met, APY is 0.00%. Requirements are that the account must have at least one (1) direct deposit of at least $250 post to your savings or checking account each month, be enrolled in Online Banking with E-Statements, and have twelve (12) VISA Signature POS transactions post to your account each month.
Federally insured by NCUA.
Money Market
A Money Market Account is a great way to keep your savings accessible while earning dividends.
1 APY = Annual Percentage Yield.
2 ADB = Average Daily Balance.
Federally insured by NCUA.
Share Savings
Your Share Savings Account is the foundation of membership at Connect Credit Union and provides a secure way to begin building your savings.
Minimum average daily balance to earn dividends is $100.00.
1 APY = Annual Percentage Yield.
2 An Annual Maintenance Fee applies to all IRA Accounts. Please see our Fee Schedule for current fees.
Accounts closed prior to month end forfeit all dividends for the month. Rates disclosed exclude Business or Organization Accounts. Call Credit Union for information.
Fees could reduce the earnings on the account. Share accounts are variable rate accounts and are subject to change without notice.
Federally insured by NCUA.
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