Being a Floridacentral member is seriously rewarding.
Get paid just for banking locally! This checking account earns dividends on your hard-earned money.
Benefits You'll Love
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Monthly opportunities to earn rewards. -
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Earn interest on your balances. -
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Get refunds for other banks' ATM fees, up to $25 a month. -
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Get your paycheck up to 2 days early!^ -
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Get an instant debit card at a branch.
Earn Interest
Earn 2.00% APY* on balances up to and including $15,000. On balances over $15,000, you’ll earn 0.05% APY for a blended yield of 2.00% to 0.05% APY depending on the balance in your account.*
ATMs Rebates
If you need cash on the go, you have access to thousands of free in-network ATMs. If you need to use an ATM that is not in our network, you won’t have to worry about the fees because we’ll refund up to $25 in other banks’ ATM fees.
Earning Your Rewards is Easy!
To earn 2.00% APY and ATM fee refunds, you just need to do the following banking basics during the monthly qualification cycle:
- Have direct deposits to your checking account totaling $500,
- Have at least 12 debit card purchases that post and settle, and
- Enrolled in eStatements (waived if 55 years of age and older).
This account may be charged a $5.00 monthly fee. This fee will be waived when you meet simple conditions.
Early Paycheck
You can receive your electronic direct deposits up to 2 business days before your payday.^
There’s no minimum deposit to open your Interest Checking. Get started today!
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*APY = Annual Percentage Yield. APYs are accurate as of March 12, 2025, and are subject to change without notice. When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.
^Early Paycheck is available for members who have set up direct deposit with their employer or other payers to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions and therefore you may not always see your direct deposits arrive early. Terms are subject to change without notice.
*APY = Annual Percentage Yield. APYs are accurate as of April 14, 2025, and are subject to change without notice. When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.
Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions:
- The first 60 days for new accounts, or
- The primary member is under the age of 24, or
- The cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Certificate of Deposit, and Christmas Club accounts, or
- Monthly direct deposits total $500.00 or more in savings and checking accounts, or
- Have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.
^Early Paycheck is available for members who have set up direct deposit with their employer or other payers to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions and therefore you may not always see your direct deposits arrive early. Terms are subject to change without notice.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Promotional CDs | Rate1 | APY2 |
|---|---|---|
| Regular and IRA CD: 9 months* | 3.687% | 3.75% |
| Regular and IRA CD: 11 Months* | 3.930% | 4.00% |
| Account Type | Rate1 | APY2 |
|---|---|---|
| Regular and IRA CD: 6 Months | 0.16% | 0.16% |
| Regular and IRA CD: 12 Months | 0.21% | 0.21% |
| Regular and IRA CD: 18 Months | 0.26% | 0.26% |
| Regular and IRA CD: 24 Months | 2.72% | 2.75% |
| Regular and IRA CD: 36 Months | 0.36% | 0.36% |
| Regular and IRA CD: 48 Months | 0.41% | 0.41% |
| Regular and IRA CD: 60 Months | 0.46% | 0.46% |
1Rates as of May 1, 2025, and subject to change without notice. 2APY - 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.
*Annual Percentage Yield as of May 1, 2025. Rates are subject to change without notice. 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. 9 and 11-Month CD: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificates will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request.
Checking
| Account Type | Rate1 | APY2 |
|---|---|---|
| Cash Back Checking | 0.00% | 0.00% |
| Ea$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% |
1Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of April 14, 2025.
2APY - Annual Percentage Yield. APYs are accurate as of April 14, 2025, and are subject to change without notice
*When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.
Credit Cards
| Type | APR* | Rate Type |
|---|---|---|
| Rewards | 14.99% | Variable |
Rates effective April 14, 2025.
*Annual Percentage Rate based on your creditworthiness. Variable Rate based on the “Prime Rate” published in the Wall Street Journal and will increase or decrease as “Prime” changes. Non-Variable Rate based on an “Internal Index” of Floridacentral Credit Union and will increase or decrease as the “Internal Index” changes. Contact Floridacentral for complete details.
Home Equity Loans and Lines of Credit
| Type | APR | Term |
|---|---|---|
| Smartline Home Equity Line of Credit* | 4.99% for 6 months | |
| Home Equity (as low as) | 6.375% | 60 months |
| Home Equity (as low as) | 7.000% | 120 months |
| Home Equity (as low as) | 7.375% | 180 months |
Smartline Home Equity Line of Credit: *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 April 14, 2025, the APR without the discounted interest rate is as low as 7.250% and as high as 9.500%. 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 $5,000. Monthly payments are based on 1.50% of the outstanding balance.
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 (maximum 80% of value minus any other mortgage balances). Rates and terms are subject to change without notice. Maximum closing costs apply.
Rates current as of April 14, 2025. Contact Floridacentral for complete details.
Example:
A $25,000 Home Equity Loan with a term of 120 months, an APR of 7.000%, would have an estimated monthly payment of $290.27.
Interest Checking
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $15,000 | 2.00% | 2.00% - 0.05% |
| $15,000.01 and over | 0.05% | 0.05% |
*APY = Annual Percentage Yield. APYs are accurate as of April 14, 2025, and are subject to change without notice. When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.
Money Market Accounts
| Account Type | Rate1 | APY2 |
|---|---|---|
| Mega Money Market: $40,000 and more* | 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% |
1Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of April 14, 2025.
2APR - Annual Percentage Rate.
*The annual percentage yield (APY) is effective as of April 14, 2025. 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. To avoid a $100 early closure fee, the account must remain open for a minimum of 90 days. 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.
Mortgages
| Type | Rate* | APR* |
|---|---|---|
| 10 Year Fixed | 5.750% | 5.828% |
| 15 Year Fixed | 5.750% | 5.805% |
| 20 Year Fixed | 6.375% | 6.420% |
| 30 Year Fixed | 6.500% | 6.634% |
*Subject to credit approval. The interest rates and APRs shown here represent a loan whereby the purpose of the loan is to purchase a Single-Family Residence with the following loan characteristics: Sales Price of $350,000, Loan Amount of $280,000, 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 APR (Annual Percentage Rate) is useful when you are comparing the total costs of mortgage products among lenders because it includes estimated loan fees and closing costs spread over the term of the loan. 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. Rates current as of April 14, 2025.
Home Mortgage Disclosure Act 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 (https://www.consumerfinance.gov/data-research/hmda/). HMDA data for many other financial institutions are also available at this website.
Other Mortgages
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SECOND HOME
Please call (813) 879-3333 or (800) 528-3330, extension 6244 for a quote.
INVESTMENT PROPERTY
Please call (813) 879-3333 or (800) 528-3330, extension 6244 for a quote.
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Personal Loans
| Loan Type | APR1 | Term |
|---|---|---|
| Personal Loan (as low as) | 9.99% | Up to 60 months |
| Personal Line of Credit (as low as) | 9.99% | Revolving |
| Share Secured Loan (as low as) | 3.00% | Up to 120 months |
| CD Secured Loan (as low as) | CD Rate + 2.00%* | Varies, depending on the CD term |
1APR 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. Rates effective as of April 14, 2025.
*Rate floor is 3.00% Annual Percentage Rate.
Examples:
A $10,000 personal loan with a term of 60 months and an APR of 9.99%, would have an estimated monthly payment of $212.42.
Savings
| Account Type | Rate1 | APY2 |
|---|---|---|
| Regular Savings | 0.05% | 0.05% |
| Business Savings | 0.05% | 0.05% |
| $avvy $avings | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| IRA Savings | 0.21% | 0.21% |
1Share account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of April 14, 2025.
2APY - Annual Percentage Yield.
Vehicle Loans
| Loan Type | APR1 | Term |
|---|---|---|
| New Car (as low as) | 5.25% | Up to 72 months |
| Used Car (as low as) | 5.80% | Up to 72 months |
| New Recreational Vehicle (as low as) | 6.99% | Up to 72 months |
| Used Recreational Vehicle (as low as) | 7.05% | Up to 72 months |
| New Motorsport (as low as) | 6.99% | Up to 72 months |
| Used Motorsport (as low as) | 7.05% | Up to 72 months |
| New Watersport (as low as) | 6.99% | Up to 72 months |
| Used Watersport (as low as) | 7.05% | Up to 72 months |
| New Mobility Vehicle (as low as) | 9.24% | Up to 65 months |
| Used Mobility Vehicle (as low as) | 9.24% | Up to 65 months |
1APR - 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 April 14, 2025.
Examples:
A $30,000 auto loan on a new automobile with a term of 72 months, an APR of 5.25%, and no down payment would have an estimated monthly payment of $486.63.
A $25,000 auto loan on a used automobile with a term of 72 months, an APR of 9.55%, and no down payment would have an estimated monthly payment of $457.49.
