Loan Rates
Auto Loan
| Model Year | APR* |
|---|---|
| Newer - 5 recent model years | 4.24% to 14.99% |
| Used | 4.74% to 16.99% |
| *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. 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 4.24%, the monthly payment would be $185.46. Rates are effective as of January 5, 2026. Auto Loan Calculator **Refinances from other institutions only. |
|
Smart Choice Auto Loan
| Model Year | APR* |
|---|---|
| Newer - 5 recent model years | 4.24% 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. 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 $20,000.00 loan for 2022 Chrysler Pacifica Limited, 36 months at 4.24%, the Smart Choice loan monthly payment would be $260.00 with a residual balance of $14,475.00 vs a conventional monthly payment of $593.00. Rates are effective as of January 5, 2026. **Refinances from other institutions only. |
|
Boat/RV Loan
| Model Year | APR* |
|---|---|
| Newer - 5 recent model years | 5.24% to 14.49% |
| Used | 5.49% to 16.74% |
| *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. 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 6.49%, the monthly payment would be $196.01. Rates are effective as of January 5, 2026. **Refinances from other institutions only. |
|
Motorcycle Loan
| Model Year | APR* |
|---|---|
| Newer - 5 recent model years | 5.24% to 14.49% |
| Used | 5.49% to 15.74% |
| *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. 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 $190.08. Rates are effective as of January 5, 2026. **Refinances from other institutions only. |
|
Personal Loan
Personal Line of Credit
| Amount | APR* |
|---|---|
| $500.00 - $20,000.00 | 12.75% 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. 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 outstanding loan balance, the minimum monthly payment would be $300.00. Rates are effective as of January 5, 2026. |
|
Personal Loan
| Amount | APR* |
|---|---|
| $3,000.00 - $30,000.00 | 10.74% 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. 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 10.74%, the monthly payment would be $216.75. Rates are effective as of January 5, 2026. |
|
Personal Home Improvement Loan
| Amount | APR* |
|---|---|
| $1,000.00 - $50,000.00 | 6.25% to 8.25% |
| *APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. 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 6.00%, the monthly payment would be $193.69. Rates are effective as of January 5, 2026. |
|
Share Secured Line of Credit
| APR* | Minimum Rate |
|---|---|
| *APR=Annual Percentage Rate. Loan rates are subject to change. Product offers, terms and other information provided herein are subject to change without notice. Share Secured Lines Of Credit minimum monthly payments are based on 2% of the loan’s outstanding balance. We will begin charging interest on the transaction date. Payment example: For a $10,000 loan balance, the monthly payment would be $200.00. Rates are effective as of January 5, 2026. |
|
Certificate Secured Loan
| APR* | Minimum Rate | Maximum Rate |
|---|---|---|
| *APR=Annual Percentage Rate. Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness and term selected. 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 3.35%, the monthly payment would be $181.44. Rates are effective as of January 5, 2026. |
||
Credit Builder
| Amount | APR* |
|---|---|
| $500.00 - $3,000.00 | 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. 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 $3,000 loan for 24 months at 6.49%, the monthly payment would be $133.85. Rates are effective as of January 5, 2026. |
|
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 Amount | Maximum Amount | APR* |
|---|---|---|
| $20,000.00 | $400,00.00 | 5.50 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 credit report fee of $85 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 July 1, 2025. | ||
Home Equity Line of Credit
| Minimum Amount | Maximum Amount | APR* |
|---|---|---|
| $20,000 | $400,000.00 | 6.75% to 7.75% |
| *Rate is Wall Street Journal Prime Rate; currently an APR of 6.75%. 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 a 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. A credit report fee of $85.00 is assessed during the loan application process. This fee covers the cost of obtaining your credit history from one or more consumer reporting agencies. The fee may be waived during promotional periods. Product offers, terms and other information provided herein are subject to change without notice. Rates and fees are effective as of December 11th, 2025. Gold Coast Federal Credit Union (NMLS#442117). Home equity applicant must be the primary member. Credit information will be obtained on all applicants. Eligible properties are owner-occupied, one-to-four-member family residential dwellings within the state of Florida. Subject to credit approval, property appraisal and appropriate property insurance. 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. |
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Deposit Rates
Savings
Savings Accounts
| Quarter Ending Date | Account Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency |
|---|---|---|---|---|
| 12/31/2025 Declared Dividends** | $5.01 to $15,000.00 $15,000.01+ | 0.15% 0.20% | 0.15% 0.20% | Quarterly |
| 3/31/2026 Anticipated Dividends** | $5.01 to $15,000.00 $15,000.01+ | 0.15% 0.20% | 0.15% 0.20% | Quarterly |
Club Accounts
| Quarter Ending Date | Minimum Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency |
|---|---|---|---|---|
| 12/31/2025 Declared Dividends** | $5.01 | 0.15% | 0.15% | Quarterly |
| 3/31/2026 Anticipated Dividends** | $5.01 | 0.15% | 0.15% | Quarterly |
Certificate
Share Certificate Accounts
| Term | Minimum Opening Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency | Early Withdrawal Penalty |
|---|---|---|---|---|---|
| 6 Month (Auto Renewable) | $1,000.00 | 0.25% | 0.25% | Monthly | Yes |
| 12 Month (Auto Renewable) | $1,000.00 | 0.40% | 0.40% | Monthly | Yes |
| 2 1/2 Years (Non Renewable) | $1,000.00 | 0.50% | 0.50% | Monthly | Yes |
| 5 Years (Non Renewable) | $1,000.00 | 0.60% | 0.60% | Monthly | Yes |
Student Certificate Accounts
| Term | Minimum Opening Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency | Early Withdrawal Penalty |
|---|---|---|---|---|---|
| 6 Month (Auto Renewable) | $250.00 | 0.25% | 0.25% | Monthly | Yes |
| 12 Month (Auto Renewable) | $250.00 | 0.40% | 0.40% | Monthly | Yes |
Money Market
Money Market Checking Account
| Minimum Opening Balance | Maximum Opening Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency |
|---|---|---|---|---|
| $5,000.00 | $24,999.99 | 0.40% | 0.40% | Monthly |
| $25,000.00 | $49,999.99 | 0.45% | 0.45% | Monthly |
| $50,000.00 | $99,999.99 | 0.50% | 0.50% | Monthly |
| $100,000.00 | And up | 0.55% | 0.55% | Monthly |
MORE Money Market Savings Account
| Minimum Opening Balance | Maximum Opening Balance | Dividend Rate | Annual Percentage Yield* | Dividend Frequency |
|---|---|---|---|---|
| $0 | $4,999.99 | 1.98% | 2.00% | Monthly |
| $5,000.00 | $24,999.99 | 1.98% | 2.00% | Monthly |
| $25,000.00 | $49,999.99 | 1.98% | 2.00% | Monthly |
| $50,000.00 | $99,999.99 | 2.96% | 3.00% | Monthly |
| $100,000.00 | And up | 2.96% | 3.00% | 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 effective as of January 1, 2026 and are subject to change. For current information, Contact us at (561) 965-1000.
