1 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.
2 Annual Percentage Rate is a fixed rate and is based on loan to value, term, and creditworthiness. Minimum loan amount to receive APR is $5,000. Financing for up to 15 years is available on loan amounts up to 80% of the appraised property value minus the outstanding first mortgage balance. No annual fee or pre-payment penalty. Other rates and terms available. Rates effective October 1, 2025.
3 Rates current as of September 30, 2026. Contact Floridacentral for complete details.
4 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].
