About Florida Credit Union
Serving Members Since 1954
Florida Credit Union serves our members and communities with efficient, convenient services and quality products that meet their everyday and long term financial needs.
Why FCU?
- Member-Owned
- 24/7 Access
- Better Rates
- Community Focused
- Free Checking
- Much More
Our Featured Rates
Subject to credit approval. Select learn more for terms and details.
Amy Evans
Ocala • Member for 20+ years
"We started a youth account for our 9-year-old daughter a couple of years ago to begin teaching her about different ways to manage her money, how to save and how to better prepare her for her financial future."
Demarcus Graham
Lake City • Member for 10+ years
"Going through dialysis and getting on a transplant list is financially taxing and expensive. I would come here, deposit the check, and it would hit my account that day... It took a lot of stress off of me."
Michael Beard
President • Elevated Design & Construction
"One thing I love about working with Florida Credit Union is you get an opportunity to share your vision, you get an opportunity to share your goals, and they’re going to try to figure out how to make those goals happen."
News & Events
View All-
Wed. Feb 11, 2026 / 9:00 AM - 6:00 PM
FCU Member Appreciation Day!
Register Now FCU Member Appreciation Day! -
-
Sun. Feb 01, 2026 / 8:30 AM
FCU Monthly Newsletter - February 2026
Read The Wave FCU Monthly Newsletter - February 2026
DISCLOSURES
1. APR = Annual Percentage Rate. 5.99% APR is available for well-qualified borrowers with a minimum 720 credit score on a 10-year (120-month) Home Equity Loan up to 90% Loan-to-Value (LTV). Offer valid through February 28, 2026. Presentation of the flyer is required. Your rate may be higher based on your credit worthiness and property valuation. Minimum loan amount $10,000. Title insurance for loans $250,000 and greater paid by member. If loan is paid off within 24 months of the loan consummation, then the borrower is required to reimburse FCU for any closing costs paid by FCU. Rate quoted is as of 01/24/2026. For example, a $25,000 120-month home equity loan with an 5.99% interest rate and an 80% Loan-to-Value (LTV) will have an APR of 5.99%, 120 payments of $277.61; total finance charge of $8,312.90 for a total payment of $33,312.90. Minimum interest rate 5.99% - Maximum interest rate 11.74%. Rates will be no less than Florida Credit Union’s minimum interest rate. This discount promotion cannot be combined with other Florida Credit Union promotions. Limited time offer and subject to change without notice. 2. 0.00% Introductory APR on purchases for 9 monthly billing cycles following the issuance of the account. After that, your Platinum Wave Reward APR will be 15.90% to 17.90% depending on your creditworthiness. 0.00% introductory interest rate available for new cards only; new cards cannot be used to pay off existing Florida Credit Union cards or loans; not available for the Select™ Visa Signature®, Platinum Rate, and Fresh Start credit cards. Introductory rate does not include cash advances or balance transfers. Offer subject to change at any time. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the agreements above.
2. 0.00% Introductory APR on purchases for 9 monthly billing cycles following the issuance of the account. After that, your Platinum Wave Reward APR will vary based on your creditworthiness and card type. 0.00% introductory interest rate available for new cards only; new cards cannot be used to pay off existing Florida Credit Union cards or loans; not available for the Select™ Visa Signature®, Platinum Rate, and Fresh Start credit cards. Introductory rate does not include cash advances or balance transfers. Offer subject to change at any time. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the agreements above.
3. Annual Percentage Yield (APY) is accurate as of 01/07/2026. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms and requirements. Minimum balance to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees may reduce earnings.
4. Subject to credit approval. APR = Annual Percentage Rate. This is a special and limited time offer that can be discontinued anytime based on market conditions. Your rate may be higher based on your creditworthiness and property valuation. An adjustable rate mortgage loan (ARM) with a fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its term. Special rate for in-house portfolio loan only. 5/1 Year ARM with no points and an estimated $4,000 closing cost monthly payment example: The payment on a $250,000 loan would be $1,399.93 per month at an adjustable interest rate of 5.375% and a 5.521% APR with a 360 month term. ARM rates subject to increase during the loan term. This payment and rate would be in effect for the first five years with annual adjustments thereafter according to the disclosure above. Rate quoted as of 01/07/2026. Down payment requirements and interest rate are based on borrower’s creditworthiness.
5. “FCU Local Heroes™” lender credit program: Available to first responders, teachers, licensed medical professionals, and military personnel (active and veterans) for a first mortgage purchase or refinance application. Eligibility requirements apply. Second and investment residences not eligible. This program offers a credit at closing of $575. This offer is subject to change without notice. Other terms and conditions may apply. Available for new applications submitted on 1/1/2025 and forward.