Take a look around, and if you have any questions or need assistance, our team is here to help.
| Account Type | Rate1 | APY2 |
|---|---|---|
| Cash Back Checking3 | 0.00% | 0.00% |
| Ea$y Checking3 | 0.00% | 0.00% |
| Interest Checking balances of $0 – $15,00034 | 1.98% | 2.00% |
| Interest Checking balances of $15,000.01 and over34 | 0.05% | 2.00% – 0.05% |
| Free Checking35 | 0.00% | 0.00% |
| Account Type | Rate6 | APY2 |
|---|---|---|
| Regular Savings3 | 0.05% | 0.05% |
| Business Savings3 | 0.05% | 0.05% |
| $avvy $avings3 | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| IRA Savings3 | 0.21% | 0.21% |
| Account Type | Rate12 | APR13 |
|---|---|---|
| Mega Money Market: $40,000 and more14 | 1.24% | 1.25% |
| Money Market: $2,500-$24,999.99 | 0.01% | 0.01% |
| Money Market: $25,000-$49,999.99 | 0.01% | 0.01% |
| Money Market: $50,000-$99,999.99 | 0.01% | 0.01% |
| Money Market: $100,000-249,999.99 | 0.01% | 0.01% |
| Money Market: $250,000 and more | 0.01% | 0.01% |
| Loan Type | APR16 | Term17 |
|---|---|---|
| Car – New | as low as 5.25% | Up to 72 months |
| Car – Used | as low as 5.75% | Up to 72 months |
New Cars:
New Car loan with a 72-month term and a 5.25% APR would have an estimated monthly payment of $16.23 per thousand dollars borrowed.
Used Cars:
A Used Car loan with a 72-month term and a 5.75% APR would have an estimated monthly payment of $17.42 per thousand dollars borrowed.
| Loan Type | APR16 | Term17 |
|---|---|---|
| Recreational Vehicle – New | as low as 6.99% | Up to 120 months |
| Recreational Vehicle – Used | as low as 7.05% | Up to 120 months |
New RV:
A Recreational Vehicle loan on a New RV with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.
Used RV:
A Recreational Vehicle loan on a Used RV with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.
| Loan Type | APR16 | Term17 |
|---|---|---|
| Motorcycle – New | as low as 6.99% | Up to 84 months |
| Motorcycle – Used | as low as 7.05% | Up to 84 months |
New Motorcycle:
A Motorcycle loan on a New Motorcycle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.
Used Motorcycle:
A Motorcycle loan on a Used Motorcycle with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.
| Loan Type | APR16 | Term17 |
|---|---|---|
| Motorsport – New | as low as 6.99% | Up to 72 months |
| Motorsport – Used | as low as 7.05% | Up to 72 months |
New Motorsport:
A Motorsport loan on a New Motorsport vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.
Used Motorsport:
A Motorsport loan on a Used Motorsport vehicle with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.
| Loan Type | APR16 | Term17 |
|---|---|---|
| Watersport – New | as low as 6.99% | Up to 84 months, and extended terms up to 120 months available for qualifying watercraft |
| Watersport – Used | as low as 7.05% | Up to 84 months, and extended terms up to 120 months available for qualifying watercraft |
New Watersport:
A Watersport loan on a New Watercraft with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.
Used Watersport:
A Watersport loan on a Used Watercraft with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.
| Loan Type | APR16 | Term17 |
|---|---|---|
| Mobility Vehicle – New | as low as 6.99% | Up to 120 months |
| Mobility Vehicle – Used | as low as 6.99% | Up to 120 months |
New Mobility Vehicle:
A Mobility Vehicle loan on a New Mobility Vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.
Used Mobility Vehicle:
A Mobility Vehicle loan on a Used Mobility Vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.17.0
| Loan Type | APR18 | Term |
|---|---|---|
| Personal Loan | as low as 9.99% | Up to 60 months |
| Personal Line of Credit | as low as 9.99% | Revolving |
| Share Secured Loan | as low as 3.00% | Up to 120 months |
| CD Secured Loan | as low as CD Rate + 2.00%19 | Varies, depending on the CD term |
Examples:
A $10,000 personal loan with a term of 60 months and an APR of 9.99%, would have an estimated monthly payment of $212.42.
| Credit Score20 | World | Classic |
|---|---|---|
| A+ (740+) | 14.00% | 9.24% |
| A (700-739) | 15.00% | 10.24% |
| B (600-699) | 16.00% | 11.24% |
| C (620-659) or No Score | 17.00% | 12.24% |
| D (580-619) | 17.00% | 13.24% |
| E (579 & Below) | 17.00% | 14.24% |
| Type | APR24 | Term |
|---|---|---|
| Home Equity Line of Credit | 4.99%25 | 12 months |
| Home Equity Loan 5-Year | As low as 6.375%26 | 60 months |
| Home Equity Loan 10-year | As low as 6.875%26 | 120 months |
| Home Equity Loan 15-year | As low as 7.375%26 | 180 months |
Example:
A $25,000 Home Equity Loan with a term of 120 months, an APR of 6.875%, would have an estimated monthly payment of $288.66.
1 Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.
2 APY - Annual Percentage Yield. APYs are accurate as of September 30, 2026, and are subject to change without notice
3 Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions: • the first 60 days for new accounts, or • the primary member is under the age of 24, or • the cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Share certificate, and Christmas Club accounts, or • monthly direct deposits total $500.00 or more in savings and checking accounts, or • have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.
4 When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.
5 This account does not pay dividends (interest), does not offer rewards. To maintain the Free Checking Account, members must provide a valid email address and agree to receive electronic communications as part of the Membership Application process. Enrollment in eStatements is required and will be automatically set at account opening; however, members must complete the enrollment process through Online Banking to activate eStatements. Optional Overdraft Protection and Courtesy Pay services are available with this account; standard fees apply when these services are used. For details on applicable fees, terms, and conditions, please refer to the separate Fee Schedule and Account Agreement. For more information, including details about eStatements enrollment and Overdraft Protection, please contact us or visit a local branch for more information. Account approval, conditions, qualifications, and other restrictions may apply.
6 Share account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.
7 Rates as of September 30, 2026, and subject to change without notice.
8 APY - Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Restrictions apply. Contact Floridacentral for complete details.
9 Annual Percentage Yield as of September 30, 2026. Rates are subject to change without notice. This is a limited-time promotional Share Certificate offer. Offer is subject to end or change at any time without notice. Must be a Floridacentral member or meet membership eligibility requirements. 9 and 11-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificates will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. 15-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request.
10 Promotional Share Certificates are limited time offers and are subject to end or change at any time without notice. 9 and 11-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificates will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. 15-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
11 The minimum deposit to open Share Certificates and earn the stated APY is $500. At maturity, the Certificates will automatically renew for the same term at Floridacentral’s then-current Share Certificate rate. A withdrawal prior to maturity will reduce earnings. For terms up to and including 12 months, an early withdrawal penalty equal to 90 days of interest will apply and may result in the reduction of principal. For terms greater than 12 months, an early withdrawal penalty equal to 180 days of interest will apply and may result in the reduction of principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
12 Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.
13 APR - Annual Percentage Rate.
14 The annual percentage yield (APY) is effective as of September 30, 2026. The interest rate and APY may change at any time after the account is opened. The dividend period is monthly. The dividend declaration date is the last day of the dividend period. Interest is calculated by the daily balance method and will be compounded and credited monthly. Offer is subject to end or change at any time without notice. The minimum deposit to open this account and the balance that must be maintained to earn the stated APY is $40,000. When the balance falls below the minimum, the APY is 0.01% APY and a monthly service charge of $20 will apply. To avoid a $100 early closure fee, the account must remain open for a minimum of 90 days. Fees may reduce earnings. Available for personal and business accounts. Must be a Floridacentral member or meet membership eligibility requirements. Full account disclosures are available upon request.
15 The minimum deposit to open this account is $2,500 to waive the monthly service charge of $10. Fees may reduce earnings. Available for personal and business accounts.
16 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.
17 May be eligible for longer terms, subject to approval, rate may be higher.
18 APR is Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Rates effective as of September 30, 2026.
19 Rate floor is 3.00% Annual Percentage Rate.
20 Interest rates will adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. As of Dec 11, 2025, the WSJ Prime rate was set to 6.75%.
21 Home Mortgage Disclosure Act (HMDA) 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/data-research/hmda/). HMDA data for many other financial institutions are also available at this website.
22 Subject to credit approval. The interest rates and APRs shown here represent a loan whereby the purpose of the loan is to purchase a Single-Family Residence with the following loan characteristics: Sales Price of $400,000, Loan Amount of $320,000, no points or discounts, Primary Residence, Owner Occupied, located in a Florida county within FCCU’s designated lending area. The rates and terms are subject to change without notice. The APR (Annual Percentage Rate) is useful when you are comparing the total costs of mortgage products among lenders because it includes estimated loan fees and closing costs spread over the term of the loan. The actual Interest Rate and APR may differ for loans having different loan characteristics which could be affected by loan level price adjustments. Contact your local branch or contact our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6244 for more information. Restrictions apply. Rates current as of September 30, 2026.
23 Based on credit score of 760+.
24 Rates current as of September 30, 2026. Contact Floridacentral for complete details.
25 Home Equity Line of Credit: 4.99% Annual Percentage Rate (APR) is the initial discounted interest rate during the Introductory Period through 12 billing cycles. This offer, including the rates and terms, is subject to change or be discontinued at any time without notice. After the Introductory Period ends, all remaining balances will automatically convert to a variable APR based on Wall Street Journal Prime plus a margin. The variable rate is based on loan-to-value, term, and creditworthiness and can change quarterly on the first day of January, April, July, and October. As of January 1, 2026, the APR without the discounted interest rate is as low as 6.75% and as high as 8.75%. 25-year term, draw period during the first 10 years. The minimum initial draw is $10,000. Monthly payment is calculated at 1.5% of the outstanding balance. [Example: Loan amount of $100,000 x 1.5%= $1,500].
26 Home Equity Loans: The maximum ANNUAL PERCENTAGE RATE that can apply is 18.0% or the maximum permitted by law, whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.0% at any time during the term of the plan. Approval is based upon creditworthiness of individual applicants and loan-to-value. Rates and terms are subject to change without notice. Maximum closing costs apply.
27 Subject to credit approval. The interest rates and APRs shown here represent a loan whereby the purpose of the loan is to purchase a Single-Family Residence with the following loan characteristics: Sales Price of $400,000, Loan Amount of $300,000, no points or discounts, Second Home, Owner Occupied, Non-Investment, located in a Florida county within FCCU’s designated lending area. The rates and terms are subject to change without notice. The APR (Annual Percentage Rate) is useful when you are comparing the total costs of mortgage products among lenders because it includes estimated loan fees and closing costs spread over the term of the loan. The actual Interest Rate and APR may differ for loans having different loan characteristics which could be affected by loan level price adjustments. Contact your local branch or contact our Mortgage Team at (813) 879-3333 or (800) 528-3330, extension 6244 for more information. Restrictions apply. Rates current as of September 30, 2026.