Individual Retirement Accounts (IRAs)

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.

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 Unless otherwise withdrawn, dividends will compound every month.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.    

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.

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.

*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.

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.

*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.

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.

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.

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.