Exclusive Discounts

on Tax Prep

As a credit union member, you can save big on tax prep with exclusive member discounts. Plus, enter for a chance to win $10,000 from Love My Credit Union Rewards.

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About Florida Credit Union

Serving Members Since 1954

Florida Credit Union serves our members and communities with efficient, convenient services and quality products that meet their everyday and long term financial needs.

Why FCU?

  • Member-Owned
  • 24/7 Access
  • Better Rates
  • Community Focused
  • Free Checking
  • Much More
Join FCU Today About us

Our Featured Rates

Home Equity Line of Credit

Intro APR

3.99%

for 6 months

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Certificate Specials

7 month CD APY

3.50%¹

13 month CD APY

3.75%¹

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Auto Loans

No payment

$0

for the first 90 days!

Learn More

5/1 Adjustable Rate Mortgage (ARM)

APR as low as

5.521%²

Interest rate as low as

5.375%

Learn More

Subject to credit approval. Select learn more for terms and details.

Turn Your Auto Loan Into Extra Cash

Your current auto loan may be costing you more than it should. By moving your loan to Florida Credit Union, you could lower your monthly payment, reduce the interest you pay over time, or both.

Plus, earn up to $4001 when you refinance your auto loan from another lender!

Looking for a home that's as unique as your Dreams?

Barndominiums—also known as “barndos”—are changing the
way people build. With open floor plans, customizable layouts,
and durable construction, these homes offer more space, more
freedom, and more value.

Learn More Learn about Barnodminiums Learn More Explore 5/1 ARM Financing

Tap. Pay. Done.

Skip the swipe and checkout with ease. Use your mobile wallet for quick, secure payments anytime, anywhere.

Learn More Explore Card Management

Start building the tomorrow you deserve!

Secure your savings today and feel confident about tomorrow. A Certificate of Deposit (CD) or IRA CD from Florida Credit Union offers guaranteed growth, so you can move forward without the ups and downs of the market.

Learn More Build Your Tomorrow

401(k) Rollovers. Know Your Options.

A 401(k) from a former job is still part of your retirement plan. Talk with your financial professional about your options to keep your strategy on track.

Learn More Learn More

Amy Evans

Ocala • Member for 20+ years

"We started a youth account for our 9-year-old daughter a couple of years ago to begin teaching her about different ways to manage her money, how to save and how to better prepare her for her financial future."

Demarcus Graham

Lake City • Member for 10+ years

"Going through dialysis and getting on a transplant list is financially taxing and expensive. I would come here, deposit the check, and it would hit my account that day... It took a lot of stress off of me."

Michael Beard

President • Elevated Design & Construction

"One thing I love about working with Florida Credit Union is you get an opportunity to share your vision, you get an opportunity to share your goals, and they’re going to try to figure out how to make those goals happen."

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DISCLOSURES

1. Annual Percentage Yield (APY) is accurate as of 03/19/2026. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms and requirements. Minimum balance to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees may reduce earnings.


2. Subject to credit approval. APR = Annual Percentage Rate. This is a special and limited time offer that can be discontinued anytime based on market conditions. Your rate may be higher based on your creditworthiness and property valuation. An adjustable-rate mortgage loan (ARM) with a fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its term. The rate adjusts based on the Secured Overnight Financing Rate (SOFR) published by the Federal Reserve. Special rate for in-house portfolio loan only. 5/1 Year ARM with no points and an estimated $4,000 closing cost monthly payment example: The payment on a $250,000 loan would be $1,399.93 per month at an adjustable interest rate of 5.375% and a 5.521% APR with a 360-month term. ARM rates subject to increase during the loan term. This payment and rate would be in effect for the first five years with annual adjustments thereafter according to the disclosure above. Rate quoted as of 04/03/2026. Down payment requirements and interest rate are based on borrower’s creditworthiness.


3. Existing FCU vehicle loans are not eligible for refinancing. Rebate based upon total loan amount. Cash back bonus is considered interest and will be reported on IRS form 1099-INT.