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Home > Personal > Rates > Loan Rates

Loan Rates

Effective Date: 9/15/2019
Loan TypeApprox. TermAPR*
New Car or Truck Up to 84 Months 2.99% to 15.24%
Used Car or Truck Up to 72 Months 2.99% to 15.24%
Boats, Motor Homes, Travel Trailers, Airplanes (New or Used) Up to 144 Months 4.99% to 15.99%
New or Used Motorcycle Up to 72 Months 4.99% to 15.99%
Classic Auto Up to 60 Months 6.99% to 15.99%
Miscellaneous Collateral (New or Used) Up to 60 Months 8.99% to 15.99%
Lifestyle Loan Up to 60 Months 9.95% to 18.00%
Lifestyle Credit Line Up to 60 Months 9.95% to 18.00%
Shared Secured Up to 60 Months 3.99%
Certificate Secured Duration of CD Rate of Certificate plus 2.00%
Christmas Loan (Available October - February) 12 Months 10.00%
Vacation/Summer/Back-to-School Loan (Available April - September) 12 Months 10.00%
Debt Consolidation Loan Up to 60 Months As low as 7.95%
Credit Builder Loan Up to 60 Months As low as 10.00%
New and Used Mobile Homes Call Credit Human at 877-475-6852  
The annual percentage rate (APR) you pay will be based on the number of months your loan is financed, the loan type, and your credit history. The APR will be disclosed prior to an advance being made on a loan. Rates are subject to change. Loan terms may vary based on value and type of collateral.

*Recommended term determined by amount financed with a maximum term not to exceed 60 months. Equal Housing Lender. All rates are subject to change without notice. APR = Annual Percentage Rate. For complete terms and conditions contact Members First Credit Union of Florida at (850) 4342211.

All rates are subject to change at the sole discretion of the Board of Directors.****

For further information on all Credit Union deposit accounts, please refer to our Membership and Account Agreement for Terms and Conditions, Electronic Transfers, Funds Availability, Funds Transfers and Truth In Savings. Please also see our Schedule of Fees.

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Credit Card Rates

Credit Cards
Credit Card Type/ProgramVisa Platinum (With Annual Fee)Visa Platinum (Without Annual Fee)
Annual Percentage Rate for Purchases 10.9% 12.9%
Cash Advance Annual Percentage Rate 10.9% 12.9%
Balance Transfer Annual Percentage Rate 10.9% 12.9%
Grace Period For Repayment of the Purchase Balance 25 Days 25 Days
Method of Computing Finance Charges (or Interest) for Purchases (Including New Purchase) Average Daily Balance Average Daily Balance
Purchase Rewards 1 Point For Every $1 Spent 1 Point For Every $1 Spent
Annual Fee $12 None

APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. Rates are subject to change without notice. For our complete credit card disclosure, click here.

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Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

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