As a member of Floridacentral Credit Union, you can take advantage of a variety of special offers.

Check the latest below!


Home Equity Line of Credit

Save money with a 4.99% APR intro rate for 6 months!

Get a money-saving introductory rate of 4.99% APR* for 6 months. Without this special discount, the variable rate would be as low as 8.250% APR.

No closing costs or appraisal fees

We're sweetening the deal by covering your closing costs and the appraisal fee.** Plus, no annual fee or pre-payment penalty.

Tax benefits

Your interest payments may be tax deductible.^ Consult your tax adviser.

Learn More

*4.99% Annual Percentage Rate (APR) is the initial discounted interest rate during the Introductory Period through 6 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 July 31, 2023, the APR without the discounted interest rate is as low as 8.250% and as high as 10.500%. Financing is available on loan amounts up to 80% of the appraised property value minus the outstanding first mortgage balance. Draw period of 10 years with a repay term up to 15 years. The minimum initial draw is $5000.

**Closing costs paid by Floridacentral do not include prepaid interest. If you close the Home Equity Line of Credit within 36 months of the opening date you may be required to reimburse the credit union for all fees paid on your behalf. You must be a member of Floridacentral Credit Union or meet membership eligibility requirements. Other restrictions apply.

^Consult your tax advisor regarding the deductibility of interest.

Special CD

Earn 5.00% APY* with our 9-month special CD!

Experience the thrill of earning higher yields at Floridacentral. Earn 5.00% APY with our 9-month special CD. The minimum deposit to open this CD and earn the stated APY is $1,000.

As always, you can have peace of mind knowing that your deposits at Floridacentral are federally insured by the NCUA. Stop by a Floridacentral branch to get started.

*APY or Annual Percentage Yield is accurate as of December 11, 2023. Offers subject to change at any time without notice. You must be a member or meet membership eligibility requirements. Restrictions apply. Contact Floridacentral or visit for complete details. 9-Month Certificate of Deposit: The minimum opening deposit and balance to earn the stated APY is $1,000. 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.

Mega Money Market Account

Earn more! Worry less!

With plenty of sun and endless fun, Florida has everything you need to live your best life! At Floridacentral, we understand that you need a savings option that not only offers a good rate, but also keeps your money safe. That's why we have created our new Mega Money Market Account.

Our Mega Money Market Account pays 1.25% APY* on balances of $40,000 and more — one of the best money market rates in Tampa Bay! Plus, it is federally insured by the NCUA so you'll know your money is safe, and it's accessible at 12 branch locations. You'll have the ability to withdraw funds when needed and manage your account online 24/7.

Learn More

Tax Savings

Tax Solutions and Savings for Members