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Auto Loan

Winter Holiday Loan

Stay a step ahead this season with a Holiday Loan from First Florida.* Beat the holiday rush with:

  • Quick approval*
  • Easy access to funds
  • Affordable payments through payroll deduction

Returning borrowers – get up to:
$1,2001; $1,0002; or $7503

First-time Holiday Loan borrowers – get up to:
$5004

You will be able to access your credit line through Online or Mobile Banking, Audio Response, or visiting a branch location near you.

Apply Now

Offer Expires December 31, 2018

* 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, 2018 and ends December 31, 2018. 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 2019.

1 Loan term is approximately 11 months with monthly payment of approximately $121. Requires previously held and paid Holiday Loan(s) as agreed. Payment must be made through direct deposit or payroll deduction.
2 Loan term is approximately 11 months with monthly payment of approximately $101. Requires previously held and paid Holiday Loan(s) as agreed.
3 Loan term is approximately 11 months with monthly payment of approximately $76. Requires previously held and paid Holiday Loan(s) as agreed.
4 Loan term is approximately 10 months with monthly payment of approximately $55.

Auto Loan

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

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Credit qualifications apply and membership is required. 

RV/Boat/Motorcycle Loan

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: 

View Your Financing Options with Our Loan Comparison Tool

Apply Now

Credit qualifications apply and membership is required. 

Diamond Rewards Visa Credit Card

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 (Annual Percentage Rate)  for six months from account opening for purchases, balance transfers, and advances.** After the six months, an APR ranging from 9.49% to 17.99% will apply to your purchases, balance transfers, or advances.** Features include:


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* Registration is required to redeem points.
** See Credit Card Solicitation Disclosure

Credit qualifications apply and membership is required.

First Mortgage Loan

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

Get Pre-Qualified Now

Ask About our Right at Home Closing Costs Special! We pay up to 1% of your closing costs on terms of 10, 15, or 20 years*

* Closing Costs Offer: Applies only to conventional, first mortgage loans with terms of 10, 15, or 20 years. Refinances, FHA, USDA, VA, and loans exceeding $453,100 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 $4,531 whichever is less) to third parties associated with the note and the mortgage. Costs and expenses paid by First Florida shall not exceed $4,531 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

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

Apply Now

*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 12 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

Home Equity Line of Credit

Harness your home’s value. Advantages of a First Florida Credit Union HELOC include:

  • Introductory APR as low as 1.99% for 12 months*
    Afterwards variable APR as low as 5.25%*
  • We pay up to $500 for closing costs**
  • Reusable 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.

Apply Now

* 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 6.49%. 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 September 27, 2018, the Prime Rate in the WSJ is 5.25%. The Margin ranges from -.75% 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 5.25% (the floor). 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 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 80% of appraisal value, less existing first mortgage balance. For attached townhomes and condominiums, the maximum CLTV is 70% of appraisal value, less existing first mortgage balance.

Credit qualifications apply and membership is required.
Residential Lot Loan

Residential Lot Loan

Secure the lot or tract of land you’ve always wanted for your dream home. First Florida Credit Union offers great financing options that will make it possible. Advantages include:

  • No requirements to build
  • Terms up to 15 years
  • Competitive fixed annual percentage rate
  • Purchase money only
  • Available in all 50 states
  • Financing up to 80% of appraised value
  • Servicing retained by the credit union
  • No escrow account required

Apply Now 

Credit qualifications apply and membership is required.

Retire Your Mortgage Loan

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

Apply Now

*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 ($453,100 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

Personal Loan

Whatever your needs (vacation, home improvements, or unexpected expenses), a Personal Loan may be an affordable option. Features include:

Apply Now

Credit qualifications apply and membership is required.

Personal Line of Credit

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:

Apply Now

Credit qualifications apply and membership is required.