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Give Your Home Project the Go-Ahead

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 are distributed to the borrower(s) at the 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. 

Apply for a Loan Today!

*The Annual Percentage Rate (APR) is as low as 8.74%. 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.

Payment Examples: A $50,000 Home improvement loan at an APR of 8.74% would require a $12.53 per thousand borrowed for 120 months. Total interest paid $25,172.08. Total payments $75,172.08. Daily Periodic Rate 0.02395% APRs 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.

Membership eligibility applies. A minimum deposit of $5 to a Savings Prime Share Account is required to join.


A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

or call (800) 766-4328, x8806.