Whether you’re planning a major purchase, managing expenses, consolidating debt, or making improvements to your home, Florida Credit Union offers lending solutions designed to help you move forward. Explore our credit cards, vehicle loans, personal loans, and home equity loans to find the option that fits your needs. Already applied? You can also check the status of your application below.
Apply Today!
Credit Card Application
Choose the card¹ that works best for you.
- No annual fee on most cards²
- Add your card to your mobile device for contactless payments3
- Online account management
- Card lock and unlock if card is lost and found again
- Extra cards for family members
- Works with Google Pay™, Apple Pay™ & Samsung Pay™
- Card Management features
Vehicle Loan Application
New or used, get it financed in no time.
- 36-84 months4 repayment terms
- Option to defer payments for 90 days5
- 100% financing available
- Get pre-approved before heading to the dealer
- Loans for new or used cars
Personal Loan Application
Personal financing designed to fit your goals.
- Competitive fixed rates as low as 10.00%6
- Loan term from 18 to 60 months6
- Up to $50,000 in one lump sum7
- Application to funding from home with electronic signature
- Our Skip-A-Pay8 policy allows you to skip up to two payments per year
Home Equity Loan Application
Flexible options to put extra finances at your fingertips.
- Up to 100% financing
- Fixed or variable interest rates available
- Lines or loans available
- Flexible repayment options
Please Note:
In an effort to keep your personal information secure, we will not be storing any information entered into any of the above applications after the application has been inactive for more than 15 minutes. Because you will have to start the application from the beginning after the 15 minutes of inactivity, please plan accordingly when you are completing an application.
Take advantage of our checking account promo!
$300 Checking Bonus⁹
Get $300 deposited in your account when you:
- Open a free personal full-service checking account.
- Make a single or combined direct deposit of $500 within 60 days of opening, and
- Keep account open and in good standing for at least 90 days.
- Use promo code: 26CHK300
Experience the FCU Difference
All of our checking accounts come with the following benefits:
- No monthly maintenance fees
- No minimum balance requirement
- Surcharge-free ATM access nationwide
- Free transfers between accounts
- Free online banking and Bill Pay
- Free mobile banking app
- Account alerts
- Budgeting and savings tools
- Free monthly credit score monitoring
Never Considered a Credit Union? Maybe it is Time!
DISCLOSURES
1. Subject to credit approval.
2. No annual fee applies to the Select Visa Signature®, Platinum Wave Rewards, and Platinum Rate credit cards. A $100 annual fee applies to the Fresh Start Card. See the applicable Opening Disclosures linked under each card for current APRs, fees and terms. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.
3. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
4. APR = Annual Percentage Rate. Payment quoted is based on a 72-month auto loan of $40,000 with an interest rate 5.29%, a 5.38% APR, a $651.43 monthly payment, a $6,902.74 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 5.04% (with 36-month term). Maximum interest rate 15.34%. Vehicle must be 2025 or newer for these rates. Rates effective as of 09/16/2026 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.
5. No payment for 90 days: 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.
6. APR = Annual Percentage Rate. Subject to credit approval and income verification. Your rate may be higher based on your credit worthiness. Interest rate quoted as of 10/01/2026. Minimum interest rate 10.00% - Maximum interest rate 14.25%. For example, a 60-month loan of $5,000 with an interest rate of 10.00% will have an APR of 10.85%, 60 monthly payments of $108.46, and total finance charges of $1,507.68 for a total payment of $6,507.68. $100 loan processing fee. Minimum loan amount $3,001 - Maximum loan amount $50,000. Rate may vary based on the selection of auxiliary products.
7. Maximum loan size depends on your credit history, your debt-to-income ratio and other factors.
8. Loan(s) must be in good standing. There is a $50 fee for each payment skipped. This offer does not apply to real estate loans or credit card payments. Normal interest charges will continue to accrue, and the skipped payment will be added to the end of your loan term. Subject to approval.
9. Offer can be canceled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years old or older to qualify. One bonus per household. Credit approval and initial $5 open deposit required. $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 will be credited to the account. $300 is considered interest and will be reported on IRS form 1099-INT.