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Loan Rates

Loans
Effective Date: 9/15/2018
Loan TypeApprox. TermAPR*
New Car or Truck Up to 84 Months 3.49% to 17.99%
Used Car or Truck Up to 72 Months 3.49% to 17.99%
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.
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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 (Option 1)Visa Platinum (Option 2)
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 Balance Purchase 25 Days 25 Days
Method of Computing the Balance for Purchases (Including New Purchase) Average Daily Balance Average Daily Balance
Annual Fee $12/year 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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Rewards Visa
Credit CardRewards Visa Platinum (Option 1)Rewards Visa Platinum (Option 2)
Purchases APR* 10.9% 12.9%
Cash Advance APR* 10.9% 12.9%
Balance Transfer APR* 10.9% 12.9%
Annual Fee $12/year None
Cash Rewards Rebate for Purchases (Up to $1,000.00)** 0.25% 0.25%
Cash Rewards Rebate for Purchases ($1,000.01 to $2,000.00)** 0.50% 0.50%
Cash Rewards Rebate for Purchases (Up to $2,000.01 to $3,000.00)** 0.75% 0.75%
Cash Rewards Rebate for Purchases ($3,000.01 and over)** 1.00% 1.00%

*APR = Annual Percentage Rate.  Rates and terms are based on individual credit worthiness.  Rates are subject to change without notice. 
**The rebate is based on the total amount of your purchases during the calendar year and is credited to your credit card statement during the month of December.

Learn How You Can Get A Members First Rewards Visa

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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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