Skip to main content
Skip to navigation
graphic Three woman sitting together looking at a notebook and smiling

Loan Rates

Because our focus is on helping our members, not large profits.

Loan Rates

Loan Rates (as low as)

Autos/TrucksAPR*
New2.75%
Used2.99%
Rates effective as of May 1, 2018
MotorcyclesAPR*
New/Used5.75%
Rates effective as of June 12, 2017
Motor Homes/5th WheelAPR*
New3.99%
Used4.99%
Rates effective as of April 1, 2017
CampersAPR*
New4.99%
Used5.99%
Rates effective as of April 1, 2017
BoatsAPR*
New4.99%
Used5.99%
Rates effective as of April 1, 2017
ATV, ATC, Dirt Bikes, Jet Skis7.49% APR*
Rates effective as of June 12, 2017
VISA Credit Card9.75% APR* variable rate
Rates effective as of April 28, 2020
Personal Signature9.49% APR*
Rates effective as of April 1, 2017
Line of Credit9.49% APR*
Rates effective as of April 1, 2017
Share Secured/Certificate Secured2% above dividend rate of collateral

*APR = Annual Percentage Rate. Quoted rates assume payments are made electronically, either by payroll deduction, ACH or Automatic Transfer, otherwise, except for Share Secured/Certificate Secured loans and VISA®, the rates increase by .50% for loans funded by June 30, 2021. All Credit Union loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and your credit score. Rates shown may not apply to every borrower. New auto rates range from 2.75% – 18.00% APR., with terms up to 84 months. Used auto rates range from 2.99% – 18.00% APR, with terms up to 72 months. Summer payments are not required if you are presently on a 10-month school payroll plan. Rates quoted are subject to change. The 2.75% rate for new auto loans and the 2.99% rate for used auto loans requires a maximum loan term of 48 months. Longer terms are available and are priced accordingly.

Home Loan Rates (as low as)

Loan TypeAPR*
Home Equity Loan (Fixed)5.00%
Home Equity Line of Credit (variable)3.00%
1st MortgagesFind Rates
Rates effective as of April 1, 2020

*APR = Annual Percentage Rate. Quoted rates and terms shown may not apply to every borrower. All Credit Union loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and your credit score. All homes must be your primary residence in Florida and owner-occupied. Loan amounts can be up to 90% of the appraised property value, less your outstanding first mortgage balance. Homeowner's Insurance must be sufficient to cover first mortgage, plus the Credit Union loan amount. To ensure tax-deductible payments, please consult your tax advisor. Rates are subject to change.

All Credit Union loans are subject to approval. Home Equity Fixed Rate Loan rates range from 5.00% to 9.50% APR. A Home Equity Variable Rate Line of Credit Loan has a maximum APR of 18.00%. Available terms are from 1 to 15 years and vary by product.All Home Equity and Line of Credit Loans are subject to an average minimum daily loan balance of $10,000 during the first 12 months; otherwise, the member will be responsible for reimbursing the Credit Union for closing costs incurred.