As a member of Floridacentral Credit Union, you can take advantage of a variety of special offers.
Check the latest below!
Home Equity Line of Credit
Auto Refinance Special Offer
Special CD
Buy Local Spend Local
Legends Loans
Tampa Bay Club Sport Discounts
Save money with a 4.99% APR intro rate for 6 months!
Get a money-saving introductory rate of 4.99% APR* for 6 months. Without this special discount, the variable rate would be as low as 7.250% APR.
No closing costs or appraisal fees
We're sweetening the deal by covering your closing costs and the appraisal fee.** Plus, no annual fee or pre-payment penalty.
Tax benefits
Your interest payments may be tax deductible.^ Consult your tax adviser.
*4.99% Annual Percentage Rate (APR) is the initial discounted interest rate during the Introductory Period through 6 billing cycles. This offer, including the rates and terms, is subject to change or be discontinued at any time without notice. After the Introductory Period ends, all remaining balances will automatically convert to a variable APR based on Wall Street Journal Prime plus a margin. The variable rate is based on loan-to-value, term, and creditworthiness and can change quarterly on the first day of January, April, July, and October. As of March 12, 2025, the APR without the discounted interest rate is as low as 7.250% and as high as 9.500%. Financing is available on loan amounts up to 80% of the appraised property value minus the outstanding first mortgage balance. Draw period of 10 years with a repay term up to 15 years. The minimum initial draw is $5000.
**Closing costs paid by Floridacentral do not include prepaid interest. If you close the Home Equity Line of Credit within 36 months of the opening date you may be required to reimburse the credit union for all fees paid on your behalf. You must be a member of Floridacentral Credit Union or meet membership eligibility requirements. Other restrictions apply.
^Consult your tax advisor regarding the deductibility of interest.
Rates have dropped, and now is your chance to save big at Floridacentral Credit Union! Move your auto loan from another financial institution to Floridacentral and drop your auto loan rate to only 4.99% APR.*
Use our loan calculator to see your payment and interest savings.
This is a limited-time offer.
Apply online in minutes or stop by your local branch today.
*Annual Percentage Rate is 4.99% APR for up to 84 months. Approval is based upon individual applicant’s creditworthiness, year, make, model, and mileage of vehicle. Not all will qualify. This offer applies to auto loan refinances from another financial institution only. Existing Floridacentral loans are not eligible for refinance or this special offer. This offer is not applicable for refinances with change of ownership. Vehicle registration must be presented. Limited time offer. Cannot be combined with other offers. Rates, terms, and conditions are subject to change without notice. Rates effective March 12, 2025. Other restrictions may apply; contact us or visit floridacentralcu.com for complete details.
Here's your map to golden returns! Sail on over to Floridacentral and lock in 4.15% APY* on a 11-month special certificate of deposit with as little as $1,000.
- Competitive rate
- Short term
- Fixed rate of return
- Federally-insured by NCUA
This is a limited-time offer. Secure this treasure before it's too late.
Opening a CD is Easy
Call our Contact Center at 813.879.3333, ext. 7550, or stop by a branch to get started.
*Annual Percentage Yield is as of March 12, 2025. The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the 11-Month Certificate will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month CD rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request. This is a limited-time promotional Certificate of Deposit (CD) offer. Offer is subject to end or change at any time without notice. Must be a Floridacentral member or meet membership eligibility requirements. Restrictions apply. Contact Floridacentral or visit floridacentralcu.com for complete details.
Join the Buy Local Spend Local movement!
Floridacentral has partnered with local businesses to bring you special rewards. You can support local businesses in your community by using your Floridacentral debit card at participating locations.
Every month, Floridacentral will randomly select and reimburse 10 transactions conducted at participating local businesses, up to $25 each! No forms to complete, no hoops to jump through. Just use your Floridacentral debit card at any of these participating local businesses!
Click the link below to browse for participating businesses. Some may even offer a discount for members who use their Floridacentral card for their purchases.
Service Deserves Savings!
Our new Legends Loans program is our way of recognizing community champions and supporting the incredible work they do every day.
With Legends Loans, current or retired heroes in the military, law enforcement, emergency services, healthcare, and education will receive loan rate discounts of up to 0.35%. Discounts apply to a variety of loans, including:
- Auto Loans
- First Mortgages
- Motorsport Loans
- Recreational Vehicle (RV) Loans
- Watersport Loans
*Eligibility: Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. First Mortgage Loans: Maximum discount of 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. Consumer Loans: When loan is initiated and completed directly with Floridacentral, maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When loan is initiated and completed at a dealership, maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. Branch visit required to obtain the discount on indirect consumer loans. Share secured loans are not eligible for the Legends Loan discounts.
Annual Percentage Rate is based upon individual applicant’s creditworthiness and the year, make, model, and mileage of vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.
Your membership at Floridacentral has unlocked brand new discounts!
We’ve partnered with Tampa Bay Club Sport, Tampa Bay's largest provider of social sports leagues, to bring you exclusive new money-saving offers tailored to your active Florida lifestyle!
From sports leagues to parties and happy hours to special sporting events, Tampa Bay Club Sport helps you get involved, stay active, and meet new people in a fun and friendly atmosphere.
Get up to $25 cash back on registration fees
You'll get up to $25 cash back when you pay your team’s registration fee with your Floridacentral Debit Card.^
Enter to win a purchase refund up to $25
Plus, use your Floridacentral Debit Card at TBCS and you'll be entered to win a purchase refund up to $25* through our monthly Buy Local Spend Local program!
Email TBCS_Players@floridacentralcu.com or call us at 813.879.3333 or 800.528.3330, ext. 8227, for more information.
^Cash back on Tampa Bay Club Sport team registration fees is available exclusively to Floridacentral members. To qualify, members must use their Floridacentral debit card to pay for registration fees. Eligible amounts are as follows: $25 for frees of 900 or more. $15 for fees between $899.99 and $400. $10 for fees between $399.99 and $140. Floridacentral will post the refund to your checking account within 7 business days of the purchase. Restrictions apply. Contact Floridacentral for complete details.
*Monthly Buy Local Spend Local incentive is available exclusively to Floridacentral members. Up to 10 transactions will be randomly selected each month, and eligible members will receive reimbursements of up to $25 per transaction. Only transactions made with Floridacentral debit or credit cards at participating local businesses that are part of the Buy Local Spend Local program are eligible. No forms or additional actions are required to participate. Incentive will be credited to the member’s checking or savings account by the 15th of the following month.