Rates

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Loan Rates

Auto Loan

Model YearAPR*
New 2025-20264.99% to 16.24%
Used 2026 & older 4.99% to 17.74%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of April 1, 2025.

**Refinances from other institutions only.

Smart Choice Auto Loan

Model YearAPR*
2024-2025 (New)5.74%
2020-2025 (Used)15.74%

Boat/RV Loan

Model YearAPR*
New 2024-20256.49% to 15.99%
Used 2025 & older6.74% to 17.74%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

**Refinances from other institutions only.

Motorcycle Loan

Model YearAPR*
New 2023-20245.99% to 14.74%
Used 2024 & older 6.24% to 14.99%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

**Refinances from other institutions only.

Personal Loan

Personal Line of Credit

AmountAPR*
$500.00 - $20,000.0012.50% to 17.25%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: Personal Lines Of Credit minimum monthly payments are based on 3% of the loan’s outstanding balance. For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of February 3, 2025.

Personal Loan

AmountAPR*
$3,000.00 - $30,000.0010.49% to 16.99%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

Personal Home Improvement Loan

AmountAPR*
$1,000.00 - $15,000.006.00% to 9.00%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 Home Improvement loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

Share Secured Line of Credit

APR*Minimum Rate
2% over the current dividend rate1.90%
Minimum APR 1.95% – Maximum APR 2.15%. *APR=Annual Percentage Rate. Loan rates are subject to change. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

Certificate Secured Loan

APR*Minimum RateMaximum Rate
3% over the current dividend rate3.00%3.60%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

Credit Builder

AmountAPR*
$500.00 - $3,000.006.24% to 6.49%
*APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. Rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date.
Payment example: For a $10,000 loan for 60 months at 5.24%, the monthly payment would be $189.99. Rates are effective as of January 1, 2025.

Mortgage Rates

Gold Coast offers a wide range of purchase and refinance options for your primary and vacation home. For more information on rates and programs, please contact us at (561) 725-9096.

Home Equity

Minimum AmountMaximum AmountAPR*
$20,000.00$400,00.005.50 to 9.50%
*Annual Percentage Rate. APR includes $5 Flood Life Of Loan Coverage fee. All rates are based on an evaluation of the member’s individual credit history; your actual rate may vary. There is a processing fee of $75 which will be reimbursed to the member when the loan closes. Product offers, terms and other information provided herein are subject to change without notice. Rates and fees are effective as of January 1, 2025.

Home Equity Line of Credit

Minimum Amount Maximum AmountAPR*
$20,000$400,000.007.50% to 8.50%
*Rate is Wall Street Journal Prime Rate; currently an APR of 7.50%. An adjustment to this rate in the form of a margin premium or discount may apply. This is a variable rate line of credit and the APR will change in accordance with the terms of the contract to maximum APR of 18.00%. All rates are based on an evaluation of the member’s individual credit history. Your actual rate may vary.

Closing costs range from $1,200.00 to $2,600.00 depending on the amount of the loan. Advances are FREE if obtained through the Internet or ATM. There is a $152.75 processing fee that may be waived periodically for promotional purposes. Product offers, terms and other information provided herein are subject to change without notice. Rates and fees are effective as of January 1, 2025. Gold Coast Federal Credit Union (NMLS#442117)

By law, residential mortgage loans are to be considered without regard to race, color, religion, national origin, sex, handicap or familial status. The federal government collects this information by authority of the Home Mortgage Disclosure Act and is available to members upon request.

Deposit Rates

Savings

Savings Accounts

Quarter Ending DateAccount BalanceDividend RateAnnual Percentage Yield*Dividend Frequency
12/31/24 Declared Dividends$5.01 to $15,000.00
$15,000.01+		0.15%
0.20%		0.15%
0.20%		Quarterly
3/31/25 Anticipated Dividends**$5.01 to $15,000.00
$15,000.01+		0.15%
0.20%		0.15%
0.20%		Quarterly

Club Accounts

Quarter Ending DateMinimum BalanceDividend RateAnnual Percentage Yield*Dividend Frequency
12/31/24 Declared Dividends$5.010.15%0.15%Quarterly
3/31/25 Anticipated Dividends**$5.010.15%0.15%Quarterly

Certificate

Certificate Accounts

TermMinimum Opening BalanceDividend Rate**Annual Percentage Yield*Dividend FrequencyEarly Withdrawal Penalty
6 Month
(Auto Renewable)		$1,000.000.25%0.25%MonthlyYes
12 Month
(Auto Renewable)		$1,000.000.40%0.40%MonthlyYes
2 1/2 Years
(Non Renewable)		$1,000.000.50%0.50%MonthlyYes
5 Years
(Non Renewable)		$1,000.000.60%0.60%MonthlyYes

Student Certificate Accounts

TermMinimum Opening BalanceDividend Rate**Annual Percentage Yield*Dividend FrequencyEarly Withdrawal Penalty
6 Month
(Auto Renewable)		$250.000.25%0.25%MonthlyYes
12 Month
(Auto Renewable)		$250.000.40%0.40%MonthlyYes

Money Market

Money Market Accounts

Minimum Opening BalanceMaximum Opening BalanceDividend RateAnnual Percentage Yield*Dividend Frequency
$5,000.00$24,999.990.40%0.40%Monthly
$25,000.00$49,999.990.45%0.45%Monthly
$50,000.00$99,999.990.50%0.50%Monthly
$100,000.00And up0.55%0.55%Monthly
*Fees may reduce earnings.
**The dividend rate and the corresponding annual percentage yield is set by our Board of Directors.
All advertised rates are subject to change without notice. Dividends are not guaranteed.
Rates and fees are as 1/1/25 and subject to change. For current information, Contact us at (561) 965-1000.