Take a look around, and if you have any questions or need assistance, our team is here to help.
Explore current Floridacentral Credit Union special offers, including promotional loan rates, share certificate specials, member discounts, and local offers. Check back regularly for new ways to save and get more from your Floridacentral membership.
Get a money-saving introductory rate of 4.99%1 APR1 for 12 months!
No closing costs or appraisal fees
We’re sweetening the deal by covering your closing costs and the appraisal fee.2 Plus, no annual fee or pre-payment penalty.
Your interest payments may be tax deductible.3 Consult your tax adviser.
Learn MoreFloridacentral’s Legends Loans Program provides eligible community heroes with rate discounts of up to 0.35% on qualifying loans.
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%4. Discounts apply to a variety of loans, including:
Refinance Your Auto Loan with Floridacentral
Rates have dropped, and now is your chance to save big at Floridacentral Credit Union! Move your auto loan from another financial institution to Floridacentral and drop your auto loan rate to only 4.99% APR5.
Use our loan calculator to see your payment and interest savings.
This is a limited-time offer.
Apply online in minutes or stop by your local branch today.
11-Month Share Certificate Special
Earn 4.00% APY6 with Floridacentral’s 11-Month Special Share Certificate with a minimum opening deposit of $1,000.
This is a limited-time offer. Don’t let this catch get away!
Call our Contact Center at 813.879.3333, ext. 7550, or stop by a branch to get started.
We’ve partnered with Tampa Bay Club Sport, Tampa Bay’s largest provider of social sports leagues, to bring you exclusive new money-saving offers tailored to your active Florida lifestyle!
From sports leagues to parties and happy hours to special sporting events, Tampa Bay Club Sport helps you get involved, stay active, and meet new people in a fun and friendly atmosphere.
You’ll get up to $25 cash back when you pay your team’s registration fee with your Floridacentral Debit Card7.
Email [email protected] or call us at 813.879.3333 or 800.528.3330, ext. 8227, for more information.
Explore additional benefits, rewards, and resources available through a Floridacentral Credit Union membership.
Explore the rewards, banking benefits, convenient services, and other advantages available with your Floridacentral membership.
Find helpful resources designed to make financial decisions easier, from current rates to educational articles and planning tools.
Run the numbers before your next financial move. Estimate payments, compare options, plan savings goals, and more with our easy-to-use calculators.
Share the Floridacentral difference. Invite eligible friends and family to discover the benefits of becoming a member.
Have questions about Floridacentral special offers, promotional rates, or member discounts? Find answers to common questions about eligibility, offer periods, and qualifying for promotions.
Eligibility varies by offer. Some promotions are available exclusively to current Floridacentral members, while others may be available to eligible individuals who become members. Review the terms of the specific offer for complete eligibility requirements.
Special offers are typically available for a limited time, and promotion dates vary. Check the details and disclosures associated with each offer for current rates, deadlines, eligibility requirements, and other terms.
Possibly. Eligibility depends on the requirements and restrictions of each promotion. Review the applicable offer details or contact Floridacentral if you have questions about combining or qualifying for multiple offers.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the right financial solutions for your goals.
1 Home Equity Line of Credit: 4.99% Annual Percentage Rate (APR) is the initial discounted interest rate during the Introductory Period through 12 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 January 1, 2026, the APR without the discounted interest rate is as low as 6.75% and as high as 8.75%. 25-year term, draw period during the first 10 years. The minimum initial draw is $10,000. Monthly payment is calculated at 1.5% of the outstanding balance. [Example: Loan amount of $100,000 x 1.5%= $1,500].
2 Closing costs paid by Floridacentral do not include prepaid interest or title insurance costs, if required. 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.
3 Consult your tax advisor regarding the deductibility of interest.
4 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 the loan is initiated and completed directly with Floridacentral, the maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When the loan is initiated and completed at a dealership, the maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. A branch visit is required to obtain the discount on indirect consumer loans. Share-secured and unsecured loans are not eligible for the Legends Loan discounts. Special 4.99% Auto Loan Refinance offer not eligible for Legends Loans discount. The Annual Percentage Rate is based on the individual applicant’s creditworthiness and the year, make, model, and mileage of the vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.
5 4.99% Annual Percentage Rate (APR) is effective as of September 30, 2026 for terms up to 84 months. An 84-month loan with a 4.99% APR would have a monthly payment of $14.14 per thousand dollars borrowed. Approval is based on individual applicant’s creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. This offer subject to change or end without notice. Rate may be higher for LTV over 125%
6 Annual Percentage Yield as of September 30, 2026. Rates are subject to change without notice. This is a limited-time promotional Share Certificate 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 Share Certificate: 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 Share Certificate 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 Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month Share Certificate 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.
7 Cash back on Tampa Bay Club Sport team registration fees is available exclusively to Floridacentral members. To qualify, members must use their Floridacentral debit card to pay for registration fees. Eligible amounts are as follows: $25 for fees of 900 or more. $15 for fees between $899.99 and $400. $10 for fees between $399.99 and $140. Floridacentral will post the refund to your checking account within 7 business days of the purchase. Restrictions apply. Contact Floridacentral for complete details.