Florida Credit Union's Current Promotions
IMPORTANT INFORMATION ABOUT THESE OFFERS
Offers can be cancelled at any time. Membership eligibility requirements are available here.
1. 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 credit worthiness 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 $100,000 loan would be $599.55 per month at an adjustable interest rate of 6.00% and a 6.39% 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 04/23/2025. Down payment requirements and interest rate are based on borrower’s creditworthiness.
2. Existing FCU vehicle loans are not eligible for refinancing. Rebate based upon total loan amount. Subject to credit approval. Cash back bonuses are considered interest and will be reported on IRS form 1099-INT.
3. APR = Annual Percentage Rate. Your rate may be higher based on your creditworthiness and property valuation. Minimum loan amount $10,000. No closing costs with $10,000 minimum loan amount; conditions apply. Title insurance for loans $250,000 and greater paid by member. Rate quoted is as of 4/03/2025, based on a HELOC with a 10-year draw period, 20-year repayment period and a Loan-to-Value (LTV) up to 80%. The HELOC rate is a variable rate and is based on Wall Street Journal Prime. Minimum APR 7.50% - Maximum APR 12.50%. For example, a $25,000 10-year Home Equity Line of Credit with a 7.50% rate and an 80% Loan-to-Value (LTV) will have an APR of 7.50%, 120 payments of $297.05; total finance charges of $10,646.10 for a total payment of $35,646.10. 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.
4. Annual Percentage Yield (APY) is effective as of 3/26/2025 and subject to change at any time. Minimum to open account: $0.01 - Minimum to earn interest: $0.01. Balances $750.01 and above will earn 0.15% APY. Fees may reduce earnings. $5 share savings account required for membership. One account per qualified youth member.
5. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years of age or older to qualify for this offer. One per household. $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or, government benefit (such as SSI) from your employer or the government. Person-to-person payments (such as Cash App, Venmo or PayPal) are not considered a direct deposit. If the requirements are met and the account remains open and in good standing for 90 days, the $300 reward will be made available to the member. $300 is considered interest and will be reported on IRS form 1099-INT. Prior terms subject to change. Full-service checking includes direct deposit, Visa debit card, online banking, and eStatements. Cash back bonuses are considered interest and will be reported on IRS form 1099-INT.