Our Featured Rates
Subject to credit approval. Select learn more for terms and details.
| LOAN TYPE | TERM LENGTH | RATE (AS LOW AS) | APR (AS LOW AS) |
|---|---|---|---|
| Auto/Truck Rates (Model 2022 and newer) | 36 | 6.490% | 6.714% |
| Auto/Truck Rates (Model 2022 and newer) | 60 | 6.490% | 6.629% |
| Auto/Truck Rates (Model 2022 and newer) | 72 | 6.750% | 6.868% |
| Auto/Truck (Model 2020 - 2021) | 36 | 6.750% | 6.975% |
| Auto/Truck Rates (Model 2020 - 2021) | 60 | 6.750% | 6.889% |
| Auto/Truck Rates (Model 2020 - 2021) | 72 | 6.990% | 7.108% |
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: 6.629% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 6.490% for 60 months would have an APR of 6.629%, a monthly payment of $588.80, finance charges of $5,328.01, for a total payment amount of $35,328.01. Rates accurate as of 09/20/2023 and subject to change at anytime.
As a full-service mortgage lender, Florida Credit Union offers a full sweep of real estate products to meet the needs of first time homebuyers 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. Call our mortgage team at 352-264-2649 or send us a message for all mortgage options, rates, and terms.
Get started with your mortgage today!
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/data-research/hmda). HMDA data for many other financial institutions is also available at this Web site.
| Loan Type | Loan to Value (LTV) | APR (As Low As) |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 80% LTV or less | 8.500% |
| Home Equity Line of Credit (HELOC) | 90% LTV | 8.500% |
| Home Equity Line of Credit (HELOC) | 100% LTV | 8.750% |
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. Minimum APR 8.500% - Maximum APR 11.250%. Minimum loan amount $5,000 – Maximum loan amount $200,000. Payment Example: a $25,000 10-year Home Equity Line of Credit with a 8.500% rate and an 80% Loan-to-Value (LTV) will have an APR of 8.500%, 120 payments of $309.96; total finance charges of $12,195.71 for a total payment of $37,195.71. Rates accurate as of 07/28/2023 and subject to change at anytime.
| Loan Type | Loan to Value (LTV) | APR (As Low As) |
|---|---|---|
| 5 Year HELOC Fixed | 80% LTV or Less | 9.000% |
| 5 Year HELOC Fixed | 90% LTV | 9.250% |
| 5 Year HELOC Fixed 100% LTV | 90% LTV | 11.250% |
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 9.000% - Maximum APR 14.375%. Minimum loan amount $5,000 – Maximum loan amount $200,000. Payment Example, a $15,000 5-year Home Equity Line of Credit with a 9.000% rate and an 80% Loan-to-Value (LTV) will have an APR of 9.000%, 60 payments of $311.38, total finance charges of $3,682.52 for a total payment of $18,682.52. Rates accurate as of 07/28/2023 and subject to change at anytime.
| Options | Credit Limit | APR | Annual Fees |
|---|---|---|---|
| Platinum Rate | $1,000 - $50,000 | 11.90% - 17.90% | None |
| Platinum Reward | $1,000 - $50,000 | 14.90% - 17.90% | None |
| Platinum WAVE Cash Back | $5,000 - $50,000 | 17.90% | None |
| Fresh Start | $1,000 to $3,000 | 17.90% | $100 |
Annual Percentage Rate (APR) on purchases and balance transfers will be fully indexed APRs. See agreement details for Platinum Rate, Platinum Rewards, Platinum Wave Cash Back, and Fresh Start.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Personal Loan (minimum amount $3,001) | 36 - 60 | 9.750% | 11.998% |
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 09/08/2023 and subject to change at anytime.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Personal line of Credit (starting at $1,000 limit) | Revolving line of credit | 10.240% - 17.990% | 10.240% - 17.990% |
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 | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Motorcycle Cruiser (Model 2022 and newer) | 36 | 6.490% | 6.714% |
| Motorcycle Cruiser (Model 2022 and newer) | 60 | 6.490% | 6.629% |
| Motorcycle Cruiser (Model 2022 and newer) | 72 | 6.750% | 6.868% |
| Motorcycle Cruiser (Model 2020-2021) | 36 | 6.750% | 6.975% |
| Motorcycle Cruiser (Model 2020-2021) | 60 | 6.750% | 6.889% |
| Motorcycle Cruiser (Model 2020-2021) | 72 | 6.990% | 7.108% |
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: 6.629% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 6.490% for 60 months would have an APR of 6.629%, a monthly payment of $588.80, finance charges of $5,328.01 for a total payment amount of $35,328.01. Rates accurate as of 09/20/2023 and subject to change at anytime.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Boat (Model 2017 and newer) | 144 (minimum $10,000 loan) | 6.840% | 7.032% |
| Boat (Model 2017 and newer) | 180 (minimum $25,000 loan) | 6.840% | 6.904% |
| Boat (Model 2016 and older) | 144 (minimum $10,000 loan) | 7.840% | 8.036% |
| Boat (Model 2016 and older) | 180 (minimum $25,000 loan) | 7.840% | 7.906% |
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: 6.691% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 6.840% for 180 months would have an APR of 6.893%, a monthly payment of $267.86, finance charges of $18,215.15, for a total payment amount of $48,215.15. Rates accurate as of 6/14/2023 and subject to change at anytime.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| RV (Model 2017 and newer) | 72 (loan below $10,000) | 6.340% | 6.691% |
| RV (Model 2017 and newer) | 144 (minimum $10,000 loan) | 6.840% | 7.032% |
| RV (Model 2017 and newer) | 180 (minimum $25,000 loan) | 6.840% | 6.904% |
| RV (Model 2016 and older) | 72 (loan below $10,000) | 7.340% | 7.695% |
| RV (Model 2016 and older) | 144 (minimum $10,000 loan) | 7.840% | 8.036% |
| RV (Model 2016 and older) | 180 (minimum $25,000 loan) | 7.840% | 7.906% |
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: 6.691% - Maximum APR: 17.000%. Payment Example: A $50,000 loan at 6.840% for 180 months would have an APR of 6.872%, a monthly payment of $445.84, finance charges of $30,251.80, for a total payment amount of $80,251.80. Rates accurate as of 6/14/2023 and subject to change at anytime.