Hit the road

this spring!

Whether it's weekend getaways, spring road trips, or everyday drives, now is a great time to lock in a low rate on your next vehicle before March 31. Get an APR as low as 4.83%¹ for 72 months. Plus, enjoy no payments for 90 days²!

Apply Now

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
Join FCU Today About us

Our Featured Rates

Home Equity Line of Credit

Intro APR

3.99%

for 6 months

Learn More

Certificate Specials

7 month CD APY

3.50%²

13 month CD APY

3.75%²

Learn More

Auto Loans

No payment

$0

for the first 90 days!

Learn More

5/1 Adjustable Rate Mortgage (ARM)

APR as low as

5.39%³

Interest rate as low as

5.25%

Learn More

Subject to credit approval. Select learn more for terms and details.

Looking for a home that's as unique as your Dreams?

Barndominiums—also known as “barndos”—are changing the
way people build. With open floor plans, customizable layouts,
and durable construction, these homes offer more space, more
freedom, and more value.

Learn More Learn about Barnodminiums Learn More Explore 5/1 ARM Financing

Start building the tomorrow you deserve!

Secure your savings today and feel confident about tomorrow. A Certificate of Deposit (CD) or IRA CD from Florida Credit Union offers guaranteed growth, so you can move forward without the ups and downs of the market.

Learn More Build Your Tomorrow

FCU Members: Take Your Shot at World Cup Glory

Use your Florida Credit Union Visa to enter the sweepstakes for once-in-a-lifetime World Cup match trips — great experiences await with every qualifying purchase!

Learn More Official Rules

401(k) Rollovers. Know Your Options.

A 401(k) from a former job is still part of your retirement plan. Talk with your financial professional about your options to keep your strategy on track.

Learn More Learn More

Get Up to $400 to Refinance an Auto Loan

Get up to $400 when you bring an auto loan from another lender to Florida Credit Union.

Learn More Become a Member

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."

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DISCLOSURES

1. Subject to credit approval. APR = Annual Percentage Rate. Offer valid through March 31, 2026. Payment quoted is based on a 72-month auto loan of $40,000 with an interest rate 4.74%, a 4.83% APR, a $641.15 monthly payment, a $6,162.84 finance charge, and a 100% loan-to-value (LTV); $0 down. $100 loan processing fee. Your rate will be determined by your credit rating, loan term, year and mileage of the automobile, and any auxiliary products. Minimum interest rate 4.49% (with 36-month term). Maximum interest rate 15.34%. Vehicle must be 2023 or newer for these rates. Rates effective as of 03/19/2026 and subject to change based on market conditions and borrower eligibility. Maximum pre-approved loan amount is $50,000. Rates will be no less than Florida Credit Union’s minimum interest rate. 


2. Offer for auto, SUV and truck loans only. Payments may be deferred for the first 90 days; interest accrues from inception. Minimum credit score applies


3. Annual Percentage Yield (APY) is accurate as of 03/19/2026. 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 $1,380.51 per month at an adjustable interest rate of 5.25% and a 5.39% 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 03/19/2026. Down payment requirements and interest rate are based on borrower’s creditworthiness.