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 2024 and newer) | 36 | 4.840% | 5.062% |
| Auto/Truck Rates (Model 2024 and newer) | 60 | 4.890% | 5.027% |
| Auto/Truck Rates (Model 2024 and newer) | 72 | 5.090% | 5.206% |
| Auto/Truck (Model 2022 - 2023) | 36 | 5.290% | 5.513% |
| Auto/Truck Rates (Model 2022 - 2023) | 60 | 5.390% | 5.528% |
| Auto/Truck Rates (Model 2022 - 2023) | 72 | 5.490% | 5.606% |
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: 5.062% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 4.890% for 60 months would have an APR of 5.027%, a monthly payment of $566.51, finance charges of $3,990.51, for a total payment amount of $33,990.51. Rates accurate as of 11/12/2025 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. Membership is required.
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 | 7.000% |
| Home Equity Line of Credit (HELOC) | 90% LTV | 7.000% |
| Home Equity Line of Credit (HELOC) | 100% LTV | 7.250% |
Contact us for additional rates and terms. Your rate may be higher based on your credit worthiness and property valuation. Minimum loan amount $10,000. Title insurance for loans $250,000 and greater paid by member. If loan is paid off within 24 months of the loan consummation, then the borrower is required to reimburse FCU for any closing costs paid by FCU. Rate quoted is as of 10/30/2025. For example, a $25,000 60-month home equity loan with an 6.25% interest rate and an 80% Loan-to-Value (LTV) will have an APR of 6.25%, 60 payments of $486.42; total finance charge of $4,184.93 for a total payment of $29,184.93. Minimum interest rate 6.25% - Maximum interest rate 11.74%. 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. Insured by the NCUA.
| Loan Type | Loan to Value (LTV) | APR (As Low As) |
|---|---|---|
| 5 Year HELOC Fixed | 80% LTV or Less | 6.250% |
| 5 Year HELOC Fixed | 90% LTV | 6.740% |
| 5 Year HELOC Fixed 100% LTV | 90% LTV | 6.990% |
Contact us for additional rates and terms. Your rate may be higher based on your creditworthiness and property valuation. Title insurance for loans $250,000 and greater paid by member. Rate quoted is as of 10/30/2025, based on a HELOC with a 1-year draw period, 5-year repayment period, and a Loan to- Value (LTV) up to 100%. Minimum APR 6.25% - Maximum APR 12.865%. Minimum loan amount is $5,000. For example, a $15,000 5-year Home Equity Line of Credit with a 6.25% interest rate and a Loan-to-Value (LTV) top to 80% will have an APR of 6.25%, 60 payments of $291.85, total finance charges of $2,510.96 for a total payment of $17,510.96. Rates subject to change at any time. 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.
| Options | Credit Limit | APR | Annual Fees |
|---|---|---|---|
| Platinum Rate | $3,000 - $50,000 | 13.90% - 17.90% | None |
| Platinum Wave Rewards | $2,000 - $50,000 | 15.90% - 17.90% | None |
| Select™ Visa Signature® | $5,000 - $50,000 | 16.65%-17.90% | None |
| Fresh Start | $2,000 to $5,000 | 17.90% | $100 |
Annual Percentage Rate (APR) on purchases and balance transfers will be fully indexed APRs. See agreement details for Platinum Rate, Platinum Wave Rewards, Select™ Visa Signature®, and Fresh Start. Membership is required. Rate is determined by the cardholder's creditworthiness.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Personal Loan (minimum amount $3,001) | 18 - 60 | 10.000% | 10.086% |
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: 9.075% - Maximum APR: 17.000%. Membership is required. Payment Example: A $5,000 loan at an interest rate of 10.000% for 60 months would have an APR of 10.859%, a monthly payment of $108.36, finance charges of $1,501.60, for a total payment amount of $6,501.60. Rates accurate as of 1/3/2025 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%. Membership is required. 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 2024 and newer) | 36 | 4.840% | 5.062% |
| Motorcycle Cruiser (Model 2024 and newer) | 60 | 4.890% | 5.027% |
| Motorcycle Cruiser (Model 2024 and newer) | 72 | 5.090% | 5.206% |
| Motorcycle Cruiser (Model 2022-2023) | 36 | 5.290% | 5.513% |
| Motorcycle Cruiser (Model 2022-2023) | 60 | 5.390% | 5.528% |
| Motorcycle Cruiser (Model 2022-2023) | 72 | 5.490% | 5.606% |
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: 5.062% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 4.890% for 60 months would have an APR of 5.027%, a monthly payment of $566.51, finance charges of $3,990.51 for a total payment amount of $33,990.51. Rates accurate as of 11/12/2025 and subject to change at anytime.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| Boat (Model 2019 and newer) | 144 (minimum $10,000 loan) | 6.490% | 6.680% |
| Boat (Model 2019 and newer) | 180 (minimum $25,000 loan) | 7.340% | 7.502% |
| Boat (Model 2018 and older) | 144 (minimum $10,000 loan) | 8.340% | 8.538% |
| Boat (Model 2018 and older) | 180 (minimum $25,000 loan) | 8.340% | 8.407% |
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: 6.680% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 7.340% for 180 months would have an APR of 7.394%, a monthly payment of $276.30, finance charges of $19,734.18, for a total payment amount of $49,734.18. Rates accurate as of 4/23/2025 and subject to change at anytime.
| Loan Type | Term Length | Rate (As Low As) | APR (As Low As) |
|---|---|---|---|
| RV (Model 2019 and newer) | 72 (loan below $10,000) | 5.990% | 6.340% |
| RV (Model 2019 and newer) | 144 (minimum $10,000 loan) | 6.490% | 6.680% |
| RV (Model 2019 and newer) | 180 (minimum $25,000 loan) | 7.340% | 7.405% |
| RV (Model 2018 and older) | 72 (loan below $10,000) | 7.840% | 8.197% |
| RV (Model 2018 and older) | 144 (minimum $10,000 loan) | 8.340% | 8.538% |
| RV (Model 2018 and older) | 180 (minimum $25,000 loan) | 8.340% | 8.507% |
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: 6.340% - Maximum APR: 17.000%. Payment Example: A $50,000 loan at 7.340% for 180 months would have an APR of 7.372%, a monthly payment of $459.89, finance charges of $32,780.15, for a total payment amount of $82,780.15. Rates accurate as of 4/23/2025 and subject to change at anytime.
DISCLOSURES
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 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 $100,000 loan would be $567.79 per month at an adjustable interest rate of 5.50% and a 5.88% 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 10/29/2025. Down payment requirements and interest rate are based on borrower’s creditworthiness.