Loan Type Term Length Rate (as low as) APR (as low as)
Auto/Truck Rates (Model 2019 and newer) 36 2.49% 2.709%
Auto/Truck Rates (Model 2019 and newer) 60 2.99% 3.125%
Auto/Truck Rates (Model 2019 and newer) 72 2.99% 3.103%
Auto/Truck Rates (Model 2015 - 2018) 36 2.99% 3.210%
Auto/Truck Rates (Model 2015 - 2018) 60 3.25% 3.385%
Auto/Truck Rates (Model 2015 - 2018) 72 3.49% 3.604%

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: 2.496% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 2.99% for 60 months would have an APR of 3.125%, a monthly payment of $540.72, finance charges of $2,443.43, for a total payment amount of $32,443.43. Rates accurate as of 1/4/2021 and subject to change at anytime.

Loan Type Term Length Rate (as low as) APR (as low as)
Motorcycle Cruiser (Model 2019 and newer) 36 2.49% 2.602%
Motorcycle Cruiser (Model 2019 and newer) 60 2.99% 3.125%
Motorcycle Cruiser (Model 2019 and newer) 72 2.99% 3.103%
Motorcycle Cruiser (Model 2015-2018) 36 2.99% 3.210%
Motorcycle Cruiser (Model 2015-2019) 60 3.25% 3.385%
Motorcycle Cruiser (Model 2015-2018) 72 3.49% 3.604%

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 $30,000 loan at 2.99% for 60 months would have an APR of 3.125%, a monthly payment of $540.72, finance charges of $2,443.43, for a total payment amount of $32,443.43. Rates accurate as of 1/4/2021 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) 4.49% 4.672%
Boat (Model 2019 and newer) 180 (minimum $25,000 loan) 4.49% 4.550%
Boat (Model 2018 and older) 144 (minimum $10,000 loan) 5.49% 5.676%
Boat (Model 2018 and older) 180 (minimum $25,000 loan) 5.49% 5.552%

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: 4.672% - Maximum APR: 17.000% Payment Example: A $30,000 loan at 4.49% for 180 months would have an APR of 4.540%, a monthly payment of $230.11, finance charges of $11,319.65, for a total payment amount of $41,419.65. Rates accurate as of 3/24/2021 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) 3.99% 4.332%
RV (Model 2019 and newer) 144 (minimum $10,000 loan) 4.49% 4.672%
RV (Model 2019 and newer) 180 (minimum $25,000 loan) 4.49% 4.550%
RV (Model 2015-2018) 72 (loan below $10,000) 4.99% 5.336%
RV (Model 2015-2018) 144 (minimum $10,000 loan) 5.49% 5.676%
RV (Model 2015-2018) 180 (minimum $25,000 loan) 5.49% 5.552%

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: 4.332% - Maximum APR: 17.000%.  Payment Example: A $50,000 loan at 4.49% for 180 months would have an APR of 4.520%, a monthly payment of $383.01, finance charges of $18,841.02, for a total payment amount of $68,941.02. Rates accurate as of 3/24/2021 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 4.00%
Home Equity Line of Credit (HELOC) 90% LTV 4.50%
Home Equity Line of Credit (HELOC) 100% LTV 4.75%

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 .75. Minimum APR 4.00% - Maximum APR 6.50%. Minimum loan amount $5,000 – Maximum loan amount $200,000. Payment Example: a $25,000 10-year Home Equity Line of Credit with a 4.00% rate and an 80% Loan-to-Value (LTV) will have an APR of 4.00%, 120 payments of $253.11; total finance charges of $5,373.54, for a total payment of $30,373.54. Rates accurate as of 7/1/2021 and subject to change at anytime.

Loan Type Loan To Value (LTV) APR (as low as)
5 Year HELOC Fixed 80% LTV or Less 4.25%
5 Year HELOC Fixed 90% LTV 4.50%
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 4.25% - Maximum APR 10.50%. Minimum loan amount $5,000 – Maximum loan amount $200,000.  Payment Example, a $15,000 5-year Home Equity Line of Credit with a 4.25% rate and an 80% Loan-to-Value (LTV) will have an APR of 4.25%, 60 payments of $277.94, total finance charges of $1,676.60 for a total payment of $16,676.60. Rates accurate as of 7/19/2021 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. Below are the current rates for our FNMA mortgage loans. Other loan options are available which include up to 100% financing.

Get started or contact us for all mortgage options, rates, and terms.

Loan Term Rate (as low as) APR (as low as) Points
FNMA 30-Year Fixed 3.000% 3.046% 0.00%
FNMA 20-Year Fixed 2.750% 2.814% 0.00%
FNMA 15-Year Fixed 2.375% 2.458% 0.00%
FNMA 10-Year Fixed 2.250% 2.371% 0.00%

APR = Annual Percentage Rate
Fixed Rate First Mortgage – Terms are 10, 15, 20 and 30 years. Maximum loan amount is $510,400. Rates assume a purchase price of $250,000 with 20% down and a loan amount of $200,000 with a credit score of 720 or higher. $1175 origination charge applies to all rates and terms referenced above. This is not a loan estimate or commitment to lend.  Information is as of 07/26/2021 and should be used as informational purposes only. Credit approval and other restrictions apply. Rates subject to change anytime.

Payment Example FNMA 30-year Fixed-Rate Loan: The payment on a $200,000 30-year Fixed-Rate Loan at 3.000% (3.046% APR) is $848.16 for the cost of 0.00 point(s) due at closing and a loan-to-value (LTV) of 80%. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

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.

Important Information About the Specials Above

Subject to credit approval.

  1. Rate quoted is based on a 75-month auto loan of $30,000 with an interest rate of 2.74%, a 2.849% APR (APR = Annual Percentage Rate), a $437.10 payment, a $2,785.10 finance charge and a 100% loan-to-value (LTV); $0 down. Your rate will be determined by your credit rating, loan term, and year and mileage of the automobile. Vehicle must be 2019 or newer for this rate. This discount promotion cannot be combined with other Florida Credit Union promotions. Rate does not include finance charges. $100 loan processing fee. Rates effective as of 7/14/2021. Minimum APR 2.49%. Maximum APR 17.9%. Minimum loan amount $5,000. Maximum loan amount $50,000.
  2. Payment may be deferred for the first 90 days, interest accrues from inception.
  3. 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 7/28/2021 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 4.000% - 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 4.00% rate and an 80% Loan-to-Value (LTV) will have an APR of 4.00%, 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.
  4. 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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