Apply Online
Holiday Loan
Celebrate the Season with Ease
Simplify your holiday plans with a little help from First Florida. Our Holiday Loan lets you borrow money up-front so it’s easier to cover the season’s expenses.*
Getting started is easy:
- Quick application
- Easy access to funds
- Convenient payments through payroll deduction
Our Holiday Loan comes with a budget-friendly repayment plan, allowing you to fill this winter with more cheer and less stress!
Hurry! Offer expires December 31, 2024.
* For all four Holiday Loan programs – Annual Percentage Rate is 18.00%; applicant(s) must have one year minimum employment on present job, or receive retirement income, and be in good standing with the credit union for a minimum of one year; members denied for a loan, product or service within the past 12 months may not automatically qualify for this offer. A signed Line of Credit Agreement must be on file. Holiday Loan promotion starts November 1, 2024 and ends December 31, 2024. Advancing the available limit on a Holiday Loan during this promotional period may affect the amount that is available for you to borrow in June 2025.
Auto Loan
Shopping for a new or used car, truck, or SUV? Perhaps you want to refinance a loan you have elsewhere? Count on First Florida Credit Union to provide a financial solution that makes sense for you. Features include:
- Among the lowest rates anywhere
- Pre-approval before you shop
- Up to 100% financing
- FREE auto-buying service
- GAP (Guaranteed Asset Protection) and Extended Protection Plans at a fraction of what dealers charge
View Your Financing Options with Our Loan Comparison Tool
Credit qualifications apply and membership is required.
RV/Boat/Motorcycle Loan
Enjoy more of what the outdoors has to offer. Whether you are a first-time buyer or upgrading, First Florida Credit Union is here to help with RV, boat, or motorcycle financing options. Features include:
- Flexible terms
- Same competitive annual percentage rate for new of used
View Your Financing Options with Our Loan Comparison Tool
Credit qualifications apply and membership is required.
Diamond Rewards Visa® Credit Card
With a First Florida Diamond Rewards VISA® Credit Card you earn points towards travel, cash, and gift cards with every dollar spent.*
Start with an introductory 1.90% APR for six months from account opening for purchases, balance transfers, and advances. After the six months, a variable APR ranging from 14.50% to 18.00% will apply.**
Features include:
- No annual fee
- No balance transfer fee
- No penalty APR
- Pay no interest during the 25-day grace period on purchases
- Low 1% foreign transaction fee
- Low minimum payments (2% of outstanding balance)
- Visa fraud liability protection
- Convenient statements accompany your First Florida monthly account statements
- Complimentary ID Navigator Powered by NortonLifeLock™
- Complimentary Auto Rental Collision Damage Waiver
- Complimentary Travel Accident Insurance
*Registration is required to redeem points.
**APR = Annual Percentage Yield. The APR will vary with the market based on the Prime Rate. For details on interest charges, fees, penalty fees, and other disclosures, See Credit Card Solicitation Disclosure.
Credit qualifications apply and membership is required.
First Mortgage Loan
Purchasing a home is perhaps one of the most important and largest financial decisions you will ever make. From conventional 30-year fixed-rate to adjustable-rate mortgages, First Florida Credit Union offers a variety of products and resources to help you select a financial solution that best suits your needs. Our comprehensive program features:
- Financing for purchases, refinances, and refinance/cash out
- Financing for various property types and use of property
- Dedicated professionals to help you navigate the process
- Tools and resources to better understand the mortgage journey
Ask About our Right at Home Closing Costs Special! We pay up to 1% of your closing costs on terms of 10, 15, 20, or 30 years*
* Closing Costs Offer: Applies only to conventional, first mortgage loans with terms of 10, 15, 20, or 30 years. Refinances, FHA, USDA, VA, and loans exceeding $510,400 are excluded. Offer applies only to purchases of owner-occupied, primary residential properties. Manufactured homes, second homes, vacation homes, and investment properties are excluded. First Florida Credit Union will pay closing costs and expenses (up to 1.0% of the loan amount or a maximum of $5,104.00 whichever is less) to third parties associated with the note and the mortgage. Costs and expenses paid by First Florida shall not exceed $5,104.00 and shall not include origination fees, discount points, prepaid interest, private mortgage insurance premiums, or initial deposit required to set up an escrow account. A non-refundable fee to cover an appraisal and credit report is collected during the application process. If the loan is paid in full within the first 36 months of loan closing, borrower will be required to repay First Florida 1.00% of the original loan amount. Offer can change or be withdrawn at any time without prior notice. Contact the credit union for complete details.
Credit qualifications apply and membership is required.
Home Equity/Second Mortgage Loan
Pay for college, home repairs, debt consolidation, vacation, and more. First Florida Credit Union’s Fixed-Rate Second Mortgage Loan gives you access to the equity in your home with a one-time draw of funds.* Features include:
- Fixed-rate terms up to 20 years
- Minimal closing costs
We pay up to $500 toward your closing costs** - Competitive annual percentage rate
- Available in all 50 states
- Servicing retained by the credit union
- No escrow account require
*Available for the following property types: owner-occupied, primary residences, or second vacation homes. Excludes manufactured homes, commercial property, income-producing rental homes, and multi-unit (2-4 units) homes.
**If loan is paid off within 24 months of origination, member will be required to reimburse the credit union for all fees and closing costs paid on member’s behalf.
Credit qualifications apply and membership is required.
Home Equity Line of Credit
Harness your home’s value. Advantages of a First Florida Credit Union HELOC include:
- Introductory Annual Percentage Rate (APR) as low as 4.99% for 12 months.
Afterward, variable APR 7.75% to 12.50%.* - We pay up to $500 for closing costs**
- Revolving credit line up to 80% combined loan to value***
- Terms up to 20 years with a 10-year draw period
- Easy advance access with a HELOC Checking Account
- Servicing retained by the credit union
- No escrow account required
Available only for owner-occupied, primary residences located in the state of Florida. Excludes manufactured homes, commercial property, second homes, income-producing rental homes, or multi-unit (2-4 units) homes.
* APR=Annual Percentage Rate. The introductory APR will remain in effect for 12 months. Introductory APR is not based on the index and margin used for later rate adjustments. The maximum introductory APR is 5.49%. The introductory APR you receive is based on your individual credit history and Combined Loan to Value (CLTV). After the introductory period, your APR will adjust to The Wall Street Journal (WSJ) Prime Rate, plus or minus a Margin. As of November 8, 2024, the Prime Rate in the WSJ is 7.75%. The Margin ranges from 0% to 4.50% and is based upon your individual credit history and CLTV. Your APR will never be more than 18% or the maximum permitted by law, whichever is less. However, your APR will not be less than 4.00%. All balances will accrue interest at a variable APR, which can adjust on the first day of each month, based upon the Prime Rate published in the WSJ 10 days prior to the adjustment date. There is no limit on the amount by which the APR can change during any one-year period.
**First Florida will pay closing costs up to $500 or 1% of the credit line, whichever is less. Good only for standard, actual closing costs. Does not apply to mortgage loans already financed by First Florida and is subject to change or can be withdrawn at any time without prior notice. A $10,000 minimum initial advance is required at closing. Closing costs are estimated to range between $350 and $1,200. Upon request, we will provide you with an itemization of the costs. Property insurance is required, including flood insurance if applicable. All terms are subject to change without prior notice.
***The minimum line of credit is $10,000 and the maximum is $250,000. For single-family detached homes, the maximum Combined Loan to Value (CLTV) is up to 80% of appraisal value, less existing first mortgage balance. For attached townhomes and condominiums, the maximum CLTV is up to 70% of appraisal value, less existing first mortgage balance. CLTV restrictions apply based on loan amount.
For owner occupied primary residence located within the state of Florida only. Credit qualifications apply and membership is required.
Short-Term, Fixed-Rate First Mortgage (Refinance/Cash out)
Think of how great it would feel to be mortgage-free sooner than you expected! Our mortgage professionals are available to answer all your questions. Refinancing for a shorter term could save thousands of dollars of interest over the life of the loan.* Features include:
- Fixed-rate terms – 7, 10, or 12 years
- 80% loan to value - single detached homes
- 70% loan to value - townhomes or condominiums
- Minimal closing costs
- Competitive annual percentage rate
- Servicing retained by the credit union
- No escrow account required
*Available only for owner-occupied, primary residence located within the state of Florida. Excludes vacation, second homes, mobile homes, manufactured homes, commercial property, rental homes, and multi-unit (2-4 units) homes. Minimum loan amount is $10,000. Maximum loan amount is $500,000. Jumbo loans ($726,200 or greater) are subject to increased interest rate.
** If the loan is paid off within 12 months of the disbursement date, borrowers will be required to reimburse the credit union for all costs and fees paid on their behalf. Offer may not be combined with other closing cost offers. Offer can change or be withdrawn at any time without prior notice.
Credit qualifications apply and membership is required.
Personal Loan
Whatever your needs (vacation, home improvements, or unexpected expenses), a Personal Loan may be an affordable option. Features include:
- Competitive annual percentage rate
- Maximum loan amount up to $100,000
Credit qualifications apply and membership is required.
Personal Line of Credit
Whatever your needs (vacation, home improvements, or unexpected expenses), a Personal Line of Credit may be an affordable option. Features include:
- Competitive annual percentage rate
- Maximum loan amount up to $100,000
Credit qualifications apply and membership is required.
Home Improvement Loan
You love taking care of your home, and that’s why we’re offering a simple Home Improvement Loan to help make your vision a reality.
We know it takes time to build equity. That’s why a First Florida Credit Union Home Improvement Loan is an alternative to a traditional Home Equity Loan or Line of Credit.
Our Home Improvement Loan does not require equity or an appraisal and features no closing costs. It works like a personal loan and with a competitive, fixed Annual Percentage Rate.*
A Home Improvement Loan is designed to be a simple way to borrow, specifically for home improvement projects. Features include:
- Repayment terms up to 10 years*
- Minimum loan amount of $10,000 and a maximum of $50,000**
- Up to 20% of the home’s estimated value may be borrowed†
- All proceeds distributed to the borrower(s) at time of closing (closed-end loan)
- No lien (a lien is not placed on the property)
A description of the home improvement project and a cost estimate or proposal from a contractor is required at the time of application.
*The Annual Percentage Rate (APR) is as low as 8.49%. Your rate may be greater. The APR received is based on the individualized credit history of the borrowers(s) and the specific characteristics of the credit application. The borrower(s) must be the homeowner(s). The loan is designed specifically for home improvement projects. APR and other terms are subject to change at any time without prior notice.
**A maximum unsecured aggregate policy of $50,000 to any 1 borrower applies.
† Based on Zillow estimate.
Credit qualifications apply and membership is required.
Loan Portal for Businesses
Choose from a full range of financing options designed to meet the unique financial needs of business owners.
View Loan Options and Apply Now
Credit qualifications apply and membership is required.