Loan Type Term Length Rate (as low as) APR (as low as)
Auto/Truck Rates (Model 2018 and newer) 36 2.99% 3.246%
Auto/Truck Rates (Model 2018 and newer) 60 3.25% 3.409%
Auto/Truck Rates (Model 2018 and newer) 72 3.25% 3.384%
Auto/Truck Rates (Model 2014 - 2017) 36 3.50% 3.757%
Auto/Truck Rates (Model 2014 - 2017) 60 3.75% 3.910%
Auto/Truck Rates (Model 2014 - 2017) 72 3.99% 4.125%

Contact us for additional rates and terms. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors.   Allowable terms vary by loan amount. Membership is required. Other restrictions may apply. $100 application fee. APR = Annual Percentage Rate.  Minimum APR: 3.246% - Maximum APR: 17.000% Payment Example: A $25,000 loan at 3.25% for 60 months would have an APR of 3.412%, a monthly payment of $453.81, finance charges of $2,228.48, for a total payment amount of $27,228.48. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type Term Length Rate (as low as) APR (as low as)
Motorcycle Cruiser (Model 2018 and newer) 36 2.99% 3.246%
Motorcycle Cruiser (Model 2018 and newer) 60 3.25% 3.409%
Motorcycle Cruiser (Model 2018 and newer) 72 3.25% 3.384%
Motorcycle Cruiser (Model 2014-2017) 36 3.50% 3.757%
Motorcycle Cruiser (Model 2014-2017) 60 3.75% 3.910%
Motorcycle Cruiser (Model 2014-2017) 72 3.99% 4.125%

Contact us for additional rates and terms. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Quotes rate for Cruisers. Higher rates for Sport Bikes apply.  Allowable terms vary by loan amount. Rates and terms are subject to change without prior notice; Membership is required. Other restrictions may apply. $100 application fee. APR = Annual Percentage Rate. Minimum APR: 3.246% - Maximum APR: 17.000%  Payment Example: A $25,000 loan at 3.25% for 60 months would have an APR of 3.412%, a monthly payment of $453.81, finance charges of $2,228.48, for a total payment amount of $27,228.48. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type Term Length Rate (as low as) APR (as low as)
Boat (Model 2018 and newer) 144 (minimum $10,000 loan) 4.99% 5.063%
Boat (Model 2018 and newer) 180 (minimum $25,000 loan) 4.99% 5.051%
Boat (Model 2017 and older) 144 (minimum $10,000 loan) 5.49% 5.564%
Boat (Model 2017 and older) 180 (minimum $25,000 loan) 5.49% 5.520%

Contact us for additional rates and terms. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Allowable terms vary by loan amount. Rates and terms are subject to change without prior notice; Membership is required. Other restrictions may apply. $100 application fee. APR = Annual Percentage Rate. Minimum APR: 4.829% - Maximum APR: 17.000% Payment Example: A $25,000 loan at 4.99% for 144 months would have an APR of 5.064%, a monthly payment of $232.02, finance charges of $8,411.11, for a total payment amount of $33,411.11. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type Term Length Rate (as low as) APR (as low as)
RV (Model 2018 and newer) 60 (loan below $10,000) 5.85% 6.257%
RV (Model 2018 and newer) 84 (minimum $10,000 loan) 6.35% 6.470%
RV (Model 2018 and newer) 144 (minimum $50,000 loan) 6.10% 6.137%
RV (Model 2014-2017) 60 (loan below $10,000) 6.35% 6.758%
RV (Model 2014-2017) 84 (minimum $10,000 loan) 6.85% 6.971%
RV (Model 2014-2017) 144 (minimum $50,000 loan) 6.60% 6.637%

Contact us for additional rates and terms. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors.  Allowable terms vary by loan amount. Rates and terms are subject to change without prior notice; Membership is required. Other restrictions may apply. $100 application fee. APR = Annual Percentage Rate. Minimum APR: 6.137% - Maximum APR: 17.000%.  Payment Example: A $50,000 loan at 6.10% for 144 months would have an APR of 6.138%, a monthly payment of $491.50, finance charges of $20,775.65, for a total payment amount of $70,775.65. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type Term Length Rate (as low as) APR (as low as)
Closed-End Personal Loan (minimum amount $3,000) 36 9.75% 11.998%
Closed-End Personal Loan (minimum amount $5,000) 60 9.75% 10.603%

Contact us for additional rates and terms. Subject to credit approval.  The specific rate and term will be dependent upon your credit rating.  Rates and terms are subject to change without prior notice; other restrictions may apply. $100 application fee. APR = Annual Percentage Rate.  Minimum APR: 10.171% - Maximum APR: 17.000%. Payment Example: A $5,000 loan at 9.75% for 60 months would have an APR of 10.607%, a monthly payment of $107.73, finance charges of $1,464.02, for a total payment amount of $6,464.02. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type APR
Personal line of Credit (starting at $1,000 limit) 10.24% - 17.99%

APR= Annual Percentage Rate. We will begin charging interest on the transaction date. Minimum APR 10.24% - Maximum APR 17.99%. For example, a $1,000 Personal Line of Credit with a 10.24% rate, will have a minimum payment of $35. Rates accurate as of 11/1/2020 and subject to change at anytime.

Loan Type Loan To Value (LTV) APR (as low as)
Home Equity Line of Credit (HELOC) 80% LTV or less 3.75%
Home Equity Line of Credit (HELOC) 90% LTV 4.25%
Home Equity Line of Credit (HELOC) 100% LTV 4.50%

Contact us for additional rates and terms. Your rate may be higher based on your credit worthiness and/or property valuation. No closing costs with $10,000 minimum loan amount. Rates subject to change. Homeowners insurance required. APR = Annual Percentage Rate. Rate quoted based on HELOC with a 10-year draw period, 20-year repayment period. The HELOC rate is a variable rate and is based on Wall Street Journal Prime plus .50. Minimum APR 3.75% - Maximum APR 6.25%. Minimum loan amount $5,000 – Maximum loan amount $200,000. Payment Example: a $25,000 10-year Home Equity Line of Credit with a 3.75% rate and an 80% Loan-to-Value (LTV) will have an APR of 3.75%, 120 payments of $250.15; total finance charges of $5,018.37, for a total payment of $30,018.37. Rates accurate as of 6/1/2020 and subject to change at anytime.

Loan Type Loan To Value (LTV) APR (as low as)
5 Year HELOC Fixed 80% LTV or Less 4.75%
5 Year HELOC Fixed 90% LTV 5.25%
5 Year HELOC Fixed 100% LTV 6.50%

Contact us for additional rates and terms. Your rate may be higher based on your credit worthiness and/or property valuation. No closing costs with $10,000 minimum loan amount. Rates subject to change. Home insurance required.  APR = Annual Percentage Rate. Rate quoted and based on a HELOC with a 1-year draw period, 5-year repayment period. Minimum APR 4.75% - Maximum APR 11.25%. Minimum loan amount $5,000 – Maximum loan amount $200,000.  Payment Example, a $15,000 5-year Home Equity Line of Credit with a 4.75% rate and an 80% Loan-to-Value (LTV) will have an APR of 4.75%, 60 payments of $281.35, total finance charges of $1,881.22 for a total payment of $16,881.22. Rates accurate as of 6/1/2020 and subject to change at anytime.

As a full-service mortgage lender, Florida Credit Union caters to first-time home buyers as well as current homeowners. Whether you're looking to purchase a home or refinance your mortgage, our products and services are designed to ensure you get the right personal mortgage for your unique needs. Click here to get started or contact us for mortgage options, rates and terms.

Options Credit Limit APR Annual Fees
Platinum Rate $1,000 - $50,000 8.90% - 17.90% None
Platinum Reward $1,000 - $50,000 10.90% - 17.90% None
Platinum WAVE Cash Back $5,000 - $50,000 12.90% - 17.90% None
Fresh Start $1,000 - $3,000 up to 17.90% $100

Annual Percentage Rate (APR) on purchases and balance transfers will be fully indexed APRs. See agreement details for Platinum Rate, Platinum Reward, Platinum WAVE Cash Back, and Fresh Start.

  1. Payment may be deferred for the first 90 days, interest accrues from inception.
  2. Subject to credit approval. Your rate may be higher based on your credit worthiness and property valuation. No closing costs with $10,000 minimum loan amount. APR = Annual Percentage Rate. Rate quoted is as of 6/1/2020 and based on a HELOC with a 10-year draw period, 20-year repayment period. The HELOC rate is a variable rate and is based on Wall Street Journal Prime plus .50. Minimum APR 3.750% - Maximum APR 12.000%. Minimum loan amount $5,000 - Maximum loan amount $200,000. Payment Example: a $25,000 10-year Home Equity Line of Credit with a 3.75% rate and an 80% Loan-to-Value (LTV) will have an APR of 3.75%, 120 payments of $250.15; total finance charges of $5,018.37, for a total payment of $30,018.37. Your rate may be higher based on your credit worthiness and property valuation. 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. Offer good for a limited time.
  3. 0% introductory interest rate only available to new Florida Credit Union cardholders; 0% not applicable for transfers from another Florida Credit Union card or loan. Introductory rate does not include cash advances.

    Platinum Wave Credit Card Agreement
    Platinum Rate Credit Card Agreement
    Platinum Advantage Credit Card Agreement (1)
    Platinum Advantage Credit Card Agreement (2)
    Classic Rate Credit Card Agreement
    Platinum Rewards Credit Card Agreement
    Platinum Fresh Start Credit Card Agreement

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