Loan Rates
Effective 7/17/2026
| Type | APR* |
|---|---|
| New Auto | as low as 4.99% |
| Used Auto | as low as 4.99% |
| Motorcycle | as low as 7.49% |
| Boat or RV | as low as 7.74% |
Rate may vary or increase due to collateral conditions or certain adverse credit factors such as bankruptcy or repossession. Rate not to exceed 17.99%. Payment Example: $15,000 loan at 3.99% APR with 60 monthly payments of $293.49. Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from your Credit Union account. Auto loan rate includes a 0.25% APR discount when using our complimentary Auto Advisors car buying service. | |
| Type | APR* |
|---|---|
| Personal Loan | as low as 10.49% |
| Personal Line of Credit | as low as 10.49% |
| Share Secured Personal Loan | Share Rate + 2.50% |
Effective 7/17/2026 9:57:12 PM EDT
| Type | Rate | APR | Points |
|---|---|---|---|
| 30 Year Fixed Rate | 6.250% | 6.335% | 0.000% |
| 20 Year Fixed Rate | 6.375% | 6.489% | 0.000% |
| 15 Year Fixed Rate | 5.875% | 6.009% | 0.000% |
| 10 Year Fixed Rate | 5.750% | 5.938% | 0.000% |
| 5/6 Adjustable Rate | 6.000% | 6.858% | 0.000% |
| 7/6 Adjustable Rate | 6.250% | 6.854% | 0.000% |
| 10/6 Adjustable Rate | 6.250% | 6.726% | 0.000% |
| 30 Year Educator Fixed Rate | 6.750% | 6.940% | 0.000% |
| 30 Year Graduate Fixed Rate | 6.750% | 6.940% | 0.000% |
| 30 Year Medical Fixed Rate | 6.750% | 6.940% | 0.000% |
| 30 Year Jumbo Fixed | 6.500% | 6.683% | 0.000% |
|
Note: USFCU offers a wide range of products and terms. Please click here for more options. The Annual Percentage Rates (APR) displayed are estimates and are intended for informational use only. Rates are updated frequently and are subject to change without notice. The actual loan rate will be based on your loan specifics including credit quality, down payment, loan term, property type and amount financed. Rates posted are for loans in Florida, rates and products can vary based on state. | |||
| Type | APR* |
|---|---|
| Home Equity Loan | as low as 6.75% |
| Home Equity Line of Credit (HELOC) | as low as 6.75% |
*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.
Mortgage rates posted are for loans in Florida, rates and products can vary based on state.
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