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

Here's your map to golden returns! Sail on over to Floridacentral and lock in 5.15% APY* on a 11-month special certificate of deposit with as little as $1,000.

  • Competitive rate
  • Short term
  • Fixed rate of return
  • Federally-insured by NCUA

This is a limited-time offer. Secure this treasure before it's too late.

Opening a CD is Easy

Call our Contact Center at 813.879.3333, ext. 7550, or stop by a branch to get started.

*Annual Percentage Yield is as of June 11, 2024. The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the 11-Month Certificate will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month CD 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. Full account disclosures are available upon request. This is a limited-time promotional Certificate of Deposit (CD) offer. Offer is subject to end or change at any time without notice. Must be a Floridacentral member or meet membership eligibility requirements. Restrictions apply. Contact Floridacentral or visit for complete details. 

Buy Local Spend Local

Join the Buy Local Spend Local movement!

Floridacentral has partnered with local businesses to bring you special rewards. You can support local businesses in your community by using your Floridacentral debit or credit card at participating locations.

Every month, Floridacentral will randomly select and reimburse 10 transactions conducted at participating local businesses, up to $25 each! No forms to complete, no hoops to jump through. Just use your Floridacentral debit or credit card at any of these participating local businesses!

Click the link below to browse for participating businesses. Some may even offer a discount for members who use their Floridacentral card for their purchases.

Browse Businesses

Legends Loans

Service Deserves Savings!

Our new Legends Loans program is our way of recognizing community champions and supporting the incredible work they do every day.

With Legends Loans, current or retired heroes in the military, law enforcement, emergency services, healthcare, and education will receive loan rate discounts of up to 0.35%. Discounts apply to a variety of loans, including:

  • Auto Loans
  • First Mortgages
  • Motorsport Loans
  • Recreational Vehicle (RV) Loans
  • Watersport Loans

Learn More

*Eligibility: Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. First Mortgage Loans: Maximum discount of 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. Consumer Loans: When loan is initiated and completed directly with Floridacentral, maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When loan is initiated and completed at a dealership, maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. Branch visit required to obtain the discount on indirect consumer loans. Share secured loans are not eligible for the Legends Loan discounts.

Annual Percentage Rate is based upon individual applicant’s creditworthiness and the year, make, model, and mileage of vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit for complete details.