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Home > Personal > Rates > Loan Rates

Auto/Vehicle Loan Rates 

Auto/Vehicle Loans
Effective Date: 8/01/2020
Loan TypeApprox. TermAPR*
New Vehicle Up to 84 months 2.99% to 17.99%
Used Vehicle Up to 84 months 2.99% to 17.99%
Classic Vehicle Up to 60 months 6.99% to 15.99%
New and Used Motorcycle Up to 72 months 4.99% to 17.99%
Miscellaneous Collateral (New or Used) Up to 60 months 8.99% to 15.99%
Boats, Motor Homes, Travel Trailers, Airplanes (New or Used) Up to 144 Months 3.99% to 17.99%

Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions.  The APR will be disclosed prior to an advance being made on a loan.

* APR = Annual Percentage Rate.  Rate is 2.99% APR on new and used vehicles for terms up to 24 months.  Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.  All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of Florida at (850) 434-2211.

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Personal Loan Rates 

Personal Loans
Effective Date: 8/1/2020
Loan TypeApprox. TermAPR*
Miscellaneous Collateral
(Appliances, computers, etc.)
Up to 60 months 8.99% to 15.99%
Lifestyle Loan
(Perfect for enhancing your lifestyle)
Up to 60 months 9.95% to 18.00%
Lifestyle Credit Line Up to 60 months 9.95% to 18.00%
Share Secured
(Borrow against the funds in your account)
Up to 60 months 3.99%
Certificate Secured
(Borrow against your Credit Union CD)
Duration of CD Rate of certificate plus 2.00%
Christmas/Holiday 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 Contact Credit Human or call 877-475-6852  

The annual percentage rate 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. Loan terms may vary based on value and type of collateral.

*APR=Annual Percentage Rate. Equal Housing Lender. All rates are subject to change without notice. For complete terms and conditions, click here to email or contact a Call Center Representative at (877) 434-6328 or locally at (850) 434-2211.

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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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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)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.

 

Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.

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