Take a look around, and if you have any questions or need assistance, our team is here to help.
| Account Type | Rate | APY1 |
|---|---|---|
| Cash Back Checking | 0.00% | 0.00% |
| Ea$y Checking | 0.00% | 0.00% |
| Interest Checking balances of $0 – $15,000 | 1.98% | 2.00% |
| Interest Checking balances of $15,000.01 and over | 0.05% | 2.00% – 0.05% |
| Free Checking | 0.00% | 0.00% |
| Account Type | Rate | APY1 |
|---|---|---|
| Regular Savings | 0.05% | 0.05% |
| Business Savings | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| IRA Savings | 0.21% | 0.21% |
| Account Type | Rate | APY2 |
|---|---|---|
| Regular and IRA: 9 months | 3.687% | 3.75% |
| Regular and IRA: 11 Months | 3.928% | 4.00% |
| Regular and IRA: 15 Months | 4.169% | 4.25% |
| Account Type | Rate | APY2 |
|---|---|---|
| Regular and IRA: 6 Months | 0.16% | 0.16% |
| Regular and IRA: 12 Months | 0.21% | 0.21% |
| Regular and IRA: 18 Months | 0.26% | 0.26% |
| Regular and IRA: 24 Months | 2.72% | 2.75% |
| Regular and IRA: 36 Months | 0.36% | 0.36% |
| Regular and IRA: 48 Months | 0.41% | 0.41% |
| Regular and IRA: 60 Months | 0.46% | 0.46% |
| Account Type | Rate | APR3 |
|---|---|---|
| Mega Money Market: $40,000 and more4 | 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 | APR5 | Term |
|---|---|---|
| Car – New | as low as 5.50% | Up to 72 months |
| Car – Used | as low as 6.25% | Up to 72 months |
New Cars:
New Car loan with a 72-month term and a 5.50% APR would have an estimated monthly payment of $16.34 per thousand dollars borrowed.
Used Cars:
A Used Car loan with a 72-month term and a 6.25% APR would have an estimated monthly payment of $16.70 per thousand dollars borrowed.
| Loan Type | APR5 | Term |
|---|---|---|
| Recreational Vehicle – New | as low as 6.99% | Up to 120 months |
| Recreational Vehicle – Used | as low as 7.25% | 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 7.25%, and no down payment would have an estimated monthly payment of $17.18 per thousand dollars borrowed.
| Loan Type | APR5 | Term |
|---|---|---|
| Motorcycle – New | as low as 6.99% | Up to 84 months |
| Motorcycle – Used | as low as 7.25% | 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 7.25%, and no down payment would have an estimated monthly payment of $17.18 per thousand dollars borrowed.
| Loan Type | APR5 | Term |
|---|---|---|
| Motorsport – New | as low as 6.99% | Up to 72 months |
| Motorsport – Used | as low as 7.25% | 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 7.25%, and no down payment would have an estimated monthly payment of $17.18 per thousand dollars borrowed.
| Loan Type | APR5 | Term |
|---|---|---|
| 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 7.25% | 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 7.25%, and no down payment would have an estimated monthly payment of $17.18 per thousand dollars borrowed.
| Loan Type | APR5 | Term |
|---|---|---|
| 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.
| Loan Type | APR6 | Term |
|---|---|---|
| Personal Loan | as low as 10.50% | Up to 60 months |
| Personal Line of Credit | as low as 10.50% | Revolving |
| Share Secured Loan | as low as 3.00% | Up to 120 months |
| CD Secured Loan | as low as CD Rate + 2.00%7 | Varies, depending on the CD term |
Examples:
A $10,000 personal loan with a term of 60 months and an APR of 10.50% would have an estimated monthly payment of $214.94.
| Credit Score8 | World | Classic |
|---|---|---|
| A+ (740+) | 14.25% | 9.49% |
| A (700-739) | 15.25% | 10.49% |
| B (600-699) | 16.25% | 11.49% |
| C (620-659) or No Score | 17.25% | 12.49% |
| D (580-619) | 17.25% | 13.49% |
| E (579 & Below) | 17.25% | 14.49% |
| Type | APR11 | Term |
|---|---|---|
| Home Equity Line of Credit | 6.00%11 | 18 months |
| Home Equity Loan 5-Year | As low as 6.375%12 | 60 months |
| Home Equity Loan 10-year | As low as 6.950%12 | 120 months |
| Home Equity Loan 15-year | As low as 7.250%12 | 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 APY - Annual Percentage Yield. APYs are accurate as of October 21, 2026, and are subject to change without notice
2 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.
3 APR - Annual Percentage Rate.
4 The annual percentage yield (APY) is effective as of October 21, 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. 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.
5 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 October 21, 2026.
6 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.
7 Rate floor is 3.00% Annual Percentage Rate.
8 Interest rates will adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. The Wall Street Journal Index is published in the Money Rates table of the Wall Street Journal on the 15th of each month or the next business day if not published on the 15th.
9 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.
10 Subject to credit approval. The interest rates and APRs shown 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 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.
11 Rates current as of October 21, 2026. Contact Floridacentral for complete details.
12 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.
13 Subject to credit approval. The interest rates and APRs shown 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 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.