Rates

A breakdown of our loan and savings rates are listed below. Please contact us with any questions.

Personal Loans

Type	APR* as low as	Term
Personal Loan	10.00%	Up to 12 Months
	11.00%	13-36 Months
	13.00%	37-60 Months
Personal Line of Credit	16.24%

*APR = Annual Percentage Rate. Effective November 1, 2025 and may change without notice.

EZLOC

Type	APR*
EZLOC (Max $300 Line of Credit)	18.00%

*APR = Annual Percentage Rate. Effective November 1, 2025 and may change without notice.

Share/Certificate Secured Loans

Type	APR* as low as	Term
Share-Secured Loans	Share +3.00%	Up to 180 months
Certificate-Secured Loans	Cert + 2.50%	Up to 60 months

*APR= Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 1, 2025 and are subject to change without notice.

Auto Loans

Type	APR* as low as	Term
New Vehicles - Model years 2024 or newer	4.94%	Up to 48 months
	5.04%	49 - 66 Months
	5.24%	67 - 78 Months
	6.24%	79 - 86 Months
Used Vehicles - Model years 2017 to 2023	5.49%	Up to 48 Months
	5.54%	49 - 66 Months
	5.74%	67-78 Months
	6.94%	79-86 months

Note: Autos over 80,000 miles bump rate by .50% Not to exceed 18%
*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of December 1, 2025, and are subject to change without notice.

Boat Loans

Not to exceed 26 ft in length.

Type	APR* as low as	Term
New Boats (New Boat, Motor, Trailer)	6.89%	Up to 60 Months
	6.99%	61 - 120 Months
	7.69%	121 - 144 Months ($30k Min)
Used Boats (Used Boat, Motor, Trailer)	7.14%	Up to 60 Months
	7.24%	61 - 120 Months
	7.89%	121 - 144 Months ($30k Min)

*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 1, 2025 and are subject to change without notice.

Recreational Vehicles

Type	APR* as low as	Term
New Personal Watercraft	8.15%	Up to 72 Months
Used Personal Watercraft	8.35%	Up to 72 Months
New Motorcycles	7.50%	Up to 72 Months
Used Motorcycles	8.00%	Up to 72 Months
New RVs	8.34%	Up to 72 Months
	8.49%	73-120 Months
	9.24%	121-144 Months
Used RVs	8.59%	Up to 72 Months
	9.25%	73-120 Months
	9.74%	121-144 Months
New Other Chattel	10.50%	Up to 60 Months
Used Other Chattel	11.50%	Up to 60 Months

*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 1, 2025 and are subject to change without notice.

Mortgages

Rates Change Daily: Convention~FHA~USDA~VA
Call a Mortgage Specialist: 386-328-5555

HELOC Fixed

Type	Combined Loan to Value	APR* as low as	Term
HELOC (any purpose)	Up to 100%	8.49%	Up to 180 months
2nd HELOC (any purpose)	Up to 100%	9.49%	Up to 180 Months
HELOC (any purpose)	Up to 100%	8.49%	Up to 240 Months
2nd HELOC (any purpose)	Up to 100%	9.99%	Up to 240 Months
Fixed Home Equity Line of Credit	Up to 80%	9.00%	Up to 180 Months
2nd Fixed Home Equity Line of Credit	Up to 70%	10.00%	Up to 180 Months
Unsecured Home Improvement ONLY ($10,000)	N/A	10.99%	Up to 120 Months
Unsecured Home Improvement ONLY ($25,000)	N/A	12.99%	Up to 180 Months

Note: Closed End Note/Disclosure may show a final varying payment that increases the term 1 month. Rate will be based on internal projection by lender.

*APR = Annual Percentage Rate (estimated). The fixed annual percentage rate under this plan is not based on an index. It is based upon a fixed rate and the market conditions at the time of commitment. Owner-occupied property only. Property and flood insurance may be required. Rates effective as of November 1, 2025 and are subject to change without notice. Credit approval, satisfactory appraisal and other conditions apply. Credit Union will pay all closing fees generally ranging from $0.00 to $1,350 except for the member paid appraisal and if HELOC is closed within 24 months of the open date. Home Equity Lines of Credit are available up to $250,000. Maximum cap 18% APR and floor of 4.00%.

Credit Cards

*APR = Annual Percentage Rate. Rates effective as of November 1, 2025 and are subject to change without notice.

Type	APR* as low as
Visa Platinum	9.90%
Visa Gold Plus	10.49%
Visa Gold	12.96%

Savings Accounts

Type	Rate	APY*
Savings/Clubs (Anticipated) $250.01 - $1,000	0.15%	0.15%
Savings/Clubs (Anticipated) $1,000.01 - $5,000.00	0.20%	0.20%
Savings/Clubs (Anticipated) $5,000.01 - $25,000.00	0.25%	0.25%
Savings/Clubs (Anticipated) $25,000.01 and over	0.40%	0.40%
Money Market (Anticipated) Less than $2,500.00	0.15%	0.15%
Money Market (Anticipated) $2,500.01 - $10,000.00	0.25%	0.25%
Money Market (Anticipated) $10,000.01 - $50,000.00	0.30%	0.30%
Money Market (Anticipated) $50,000.01 and up	0.40%	0.40%

*APY= Annual Percentage Yield. **Minimum $25 to open; does not apply to club accounts. Share and Club Yield effective November 13, 2025, and may change monthly. Money Market Yields effective November 13, 2025 with a minimum $2,500 to open. Rates are subject to change without notice. The rate may change after account opening. Fees may reduce earnings on the account.

Certificates of Deposit and IRA Certificates

Type	Rate	APY*
6 Month Certificate and IRA Certificates	2.96%	3.00%
1 Year Certificate and IRA Certificates	3.06%	3.10%
18 Month Certificate and IRA Certificates	3.20%	3.25%
2 Year Certificate and IRA Certificates	2.71%	2.75%
3 Year Certificate and IRA Certificates	2.25%	2.28%
4 Year Certificate and IRA Certificates	2.00%	2.02%
5 Year Certificate and IRA Certificates	2.50%	2.53%

*APY= Annual Percentage Yield. Yields effective November 13, 2025 and may change without notice. Minimum $1,000 to open and early withdrawal penalties may be imposed which may reduce earnings.

Individual Retirement Accounts (IRAs) - Variable

Type	Rate	APY*	Terms (months)
Traditional, Educational, Roth <$1,000	0.25%	0.25%	N/A
Traditional, Educational, Roth $1,000-$10,000	0.50%	0.50%	N/A
Traditional, Educational, Roth >$10,000	1.25%	1.26%	N/A

*APY = Annual Percentage Yield. Yields effective November 13, 2025. Early withdrawal penalties may be imposed which may reduce earnings. For Variable rate accounts, rates may change after account opening. Fees may reduce earnings on the account.

Interest Checking

Type	Rate	APY*
.01 and Above	0.05%	0.05%

*APY = Annual Percentage Yield. Yields effective November 13, 2025 and are subject to change without notice.

You are now leaving First Coast Community Credit Union

First Coast Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by First Coast Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL