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| Loan Type | APR1 | 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 | APR1 | 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 | APR1 | 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 | APR1 | 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 | APR1 | 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 | APR1 | 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.
| Type | APR4 | Term |
|---|---|---|
| Home Equity Line of Credit | 6.00%4 | 18 months |
| Home Equity Loan 5-Year | As low as 6.375%5 | 60 months |
| Home Equity Loan 10-year | As low as 6.950%5 | 120 months |
| Home Equity Loan 15-year | As low as 7.250%5 | 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.
| Loan Type | APR7 | 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%8 | 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.
1 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.
2 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.
3 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.
4 Rates current as of October 21, 2026. Contact Floridacentral for complete details.
5 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.
6 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.
7 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.
8 Rate floor is 3.00% Annual Percentage Rate.