Interest Checking Learn More

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 August 1, 2023, 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) ATM 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 Unless otherwise withdrawn, dividends will compound every month.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.

Cash Back Checking Back to Top Learn More

Account Type Cash Back Rate Monthly Maximum
Cash Back Checking 2.00% $25.00

*When your Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the cash back rewards will be distributed to your account. The cash back reward rate may change every reward period.  We may change the cash back reward rate as determined by our board of directors. There is no minimum or maximum cash back reward rate for this account. Cash back rewards will be credited to your account on the last day of 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. 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. 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.

Loans Back to Top

Loan Type APR1 Term
New Car (as low as) 6.49% up to 75 months
Used Car (as low as) 6.49% up to 75 months
New Recreational Vehicle (as low as) 7.49% up to 75 months
Used Recreational Vehicle (as low as) 7.49% up to 75 months
New Motorsport (as low as) 7.49% up to 75 months
Used Motorsport (as low as) 7.49% up to 75 months
New Watersport (as low as) 7.49% up to 75 months
Used Watersport (as low as) 7.49% up to 75 months
Personal Loan (as low as) 10.49% up to 60 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 August 10, 2023.

Examples:

A $25,000 auto loan on a new automobile with a term of 72 months, an APR of 6.49%, and no down payment would have an estimated monthly payment of $420.13.

A $25,000 auto loan on a used automobile with a term of 72 months, an APR of 9.74%, and no down payment would have an estimated monthly payment of $459.87.

A $10,000 personal loan with a term of 60 months and an APR of 10.49%, would have an estimated monthly payment of $214.89.

Mortgages Back to Top Learn More

Type Rate* APR*
10 Year Fixed 6.750% 7.100%
15 Year Fixed 6.875% 7.050%
20 Year Fixed 6.900% 7.051%
30 Year Fixed 7.000% 7.115%

Floridacentral also offers purchase and refinance loans for: 

  • FHA
  • VA
  • Second Home
  • Investment Property 

Please call for a quote! 

*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 September 26, 2023.

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://clicktime.cloud.postoffice.net/clicktime.php?U=www.consumerfinance.gov%2Fhmda&E=jgriep%40floridacentralcu.com&X=XID464biCmI51821Xd1&T=FLCU&HV=U,E,X,T&H=cc84d158b62ed931748a6e2da23d0f88cb12e533(opens new window)). HMDA data for many other financial institutions are also available at this website.

 

Home Equity Loans and Lines of Credit Back to Top

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 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. 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 September 26, 2023. 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.

Credit Cards Back to Top Learn More

Type APR* Rate Type
Rewards 13.90% Variable
Cash Back 15.99% Variable
Essentials 9.99% Non-Variable

Rates effective February 1, 2023

*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.

Savings Back to Top

Account Type Rate1 APY2
Regular Savings 0.05% 0.05%
Christmas Club 0.05% 0.05%
IRA Savings 0.21% 0.21%

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 March 15, 2021.

2APR - Annual Percentage Rate.

Money Market Accounts Back to Top

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 March 15, 2021.

2APR - Annual Percentage Rate.

*The annual percentage yield (APY) is effective as of March 27, 2023. 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.

Certificates of Deposit Back to Top Learn More

Special Promo CDs Rate1 APY2
Special Promo Regular and IRA CD: 9 Months^ 5.13% 5.25%
Special Promo Regular and IRA CD: 15 Months^ 5.37% 5.50%

 

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 September 1, 2023, 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.

^This is a limited-time promotional Certificate of Deposit (CD) offer. Offer is subject to end or change at any time without notice. Funds in an account at Floridacentral Credit Union in the 30 days prior to opening a CD are not eligible for this promotional offer. Must be a Floridacentral member or meet membership eligibility requirements. 9-Month CD: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the 9-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. 15-Month CD: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the 15-Month Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request.