Q2 2026 call reports
Credit union loan rates in Florida
Florida credit unions reported a median new auto loan rate of 5.43% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Broward Healthcare Federal Credit Union reported the lowest, 1.99%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Florida median | US median |
|---|---|---|
| New auto | 5.43% | 5.46% |
| Used auto | 6.03% | 6.32% |
| Credit card | 12.50% | 11.50% |
| Personal | 11.75% | 11.75% |
| Mortgage | 5.99% | 5.75% |
| Home equity | 6.75% | 6.75% |
Lowest credit card rate reported in Florida: Eglin Federal Credit Union, 7.90%. Lowest first mortgage rate: Brightstar Credit Union, 2.88%. (Same size rules as the national rankings.)
Every Florida credit union's reported rates
All 107 Florida credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Suncoast Credit Union | 6.00% | 6.50% | 17.25% | 11.75% | 5.99% | 6.60% |
| VyStar Credit Union | 5.98% | 7.24% | 16.00% | 15.68% | 4.36% | 5.77% |
| Midflorida Credit Union | 4.99% | 5.24% | 12.99% | 13.75% | 5.50% | 6.24% |
| Space Coast Credit Union | 6.74% | 6.74% | 14.74% | 12.50% | 5.50% | 4.24% |
| Fairwinds Credit Union | 6.00% | 5.80% | 18.00% | 10.00% | 6.05% | 6.55% |
| Campus USA Credit Union | 4.79% | 5.04% | 14.15% | 11.29% | 7.50% | 7.50% |
| Grow Financial Federal Credit Union | 5.99% | 6.99% | 12.49% | 14.00% | 3.12% | 6.75% |
| Addition Financial Credit Union | 5.49% | 5.94% | 13.50% | 11.25% | 6.74% | 6.75% |
| Achieva Credit Union | 5.25% | 5.25% | 13.74% | 23.99% | 6.00% | 7.00% |
| Community First Credit Union of Flo | 5.09% | 5.59% | 13.90% | 10.25% | 5.75% | 7.25% |
| Gte Federal Credit Union | 5.99% | 6.49% | 10.49% | 12.74% | 6.38% | 7.75% |
| Eglin Federal Credit Union | 4.99% | 4.99% | 7.90% | 8.90% | 6.38% | 6.50% |
| Penair Credit Union | 5.74% | 5.99% | 18.00% | 17.90% | 6.38% | 7.24% |
| Florida Credit Union | 6.12% | 7.83% | 14.83% | 14.06% | 6.89% | 7.64% |
| iTHINK FINANCIAL Credit Union | 5.49% | 5.74% | 12.65% | 11.40% | 6.62% | 7.25% |
| Tyndall Federal Credit Union | 5.45% | 5.54% | 11.49% | 10.99% | 6.12% | 5.88% |
| Educational Federal Credit Union | 6.09% | 5.84% | 17.25% | 17.90% | 4.95% | 6.50% |
| Publix Employees Federal Credit Union | 5.09% | 4.99% | 9.90% | 9.50% | 5.93% | 6.64% |
| Dade County Federal Credit Union | 6.24% | 6.74% | 17.90% | 14.24% | 6.38% | 6.99% |
| First Florida Credit Union | 7.24% | 7.24% | 14.24% | 14.24% | 7.00% | 8.41% |
| Community Credit Union of Florida | 6.13% | 7.23% | 15.27% | 16.96% | 5.35% | 7.66% |
| Launch Credit Union | 4.99% | 5.25% | 14.90% | – | 5.86% | 6.50% |
| Usf Federal Credit Union | 5.24% | 5.24% | 11.99% | 10.49% | 4.70% | 7.33% |
| Gulf Winds Credit Union | 5.99% | 5.99% | 9.90% | 9.99% | 3.25% | 7.50% |
| First Commerce Credit Union | 5.99% | 7.74% | 13.24% | 15.90% | 6.50% | 6.75% |
| Radiant Credit Union | 4.69% | 5.09% | 9.49% | 10.12% | 4.99% | 4.99% |
| Brightstar Credit Union | 4.75% | 6.99% | 12.49% | 11.99% | 2.88% | 6.75% |
| Power Financial Credit Union | 5.48% | 6.32% | 13.30% | 14.27% | 6.38% | 6.49% |
| McCoy Federal Credit Union | 5.40% | 6.50% | 13.00% | 7.99% | 3.00% | 4.00% |
| Tropical Financial Credit Union | 5.88% | 8.94% | 17.99% | 15.98% | 6.50% | 5.75% |
| RadiFi Federal Credit Union | 5.19% | 5.49% | 13.40% | 10.75% | 5.95% | 7.05% |
| We Florida Financial Credit Union | 4.69% | 4.69% | 16.15% | 11.25% | 5.62% | 6.75% |
| Innovations Financial Credit Union | 6.25% | 7.49% | 9.00% | 15.50% | 6.25% | 7.00% |
| Insight Credit Union | 5.49% | 5.69% | – | 12.00% | 6.28% | 6.92% |
| Floridacentral Credit Union | 5.25% | 5.75% | 9.24% | 9.99% | 7.37% | 4.99% |
| Champions First Credit Union | 5.06% | 6.50% | 12.95% | 10.49% | 6.11% | 7.04% |
| Tampa Bay Federal Credit Union | 7.76% | 8.40% | 14.96% | 12.00% | 6.13% | 6.38% |
| Velocity Community Credit Union | 5.00% | 5.75% | 13.00% | 10.74% | 6.75% | 6.75% |
| Trax Federal Credit Union | 6.17% | 7.69% | 16.05% | 11.10% | 7.46% | 8.10% |
| San Antonio Citizens Federal Credit Union | 5.58% | 6.90% | 9.63% | 11.31% | 5.97% | 7.68% |
| Orlando Credit Union | 4.50% | 4.75% | 15.74% | 10.49% | 6.50% | 6.75% |
| Panhandle Credit Union | 5.24% | 5.24% | 9.90% | 11.50% | 7.43% | 6.25% |
| Harvesters Federal Credit Union | 7.74% | 7.54% | 12.90% | 13.40% | 7.50% | 7.99% |
| Members First Credit Union of Flori | 5.99% | 6.99% | 10.90% | 9.95% | 5.38% | 6.38% |
| Guardians Credit Union | 5.29% | 5.29% | 18.00% | 17.45% | 5.38% | 8.00% |
| Jetstream Federal Credit Union | 6.99% | 6.49% | 13.40% | 11.74% | 5.50% | 2.99% |
| Loyalty Credit Union | 5.47% | 5.97% | 10.90% | 10.49% | 6.25% | 6.75% |
| Alive Credit Union | 5.29% | 5.79% | – | 10.25% | 5.88% | 7.25% |
| Gold Coast Federal Credit Union | 4.74% | 4.74% | – | 11.24% | 6.75% | 6.75% |
| Keys Federal Credit Union | 5.45% | 7.35% | 14.00% | 14.00% | 5.99% | 8.00% |
| Community South Credit Union | 3.39% | 7.50% | 7.90% | 10.00% | 5.50% | 6.75% |
| University Credit Union | 3.99% | 3.99% | 15.99% | 15.99% | 6.25% | 6.75% |
| Santa Rosa County Federal Credit Union | 6.02% | 5.96% | 8.55% | 10.00% | 6.44% | 6.54% |
| Miami Firefighters Federal Credit Union | 4.88% | 5.25% | 10.90% | 8.75% | 3.86% | 6.35% |
| Blue Coast Federal Credit Union | 4.36% | 4.88% | 10.90% | 13.97% | 6.35% | 6.56% |
| Miami Postal Service Credit Union | 3.49% | 3.74% | 15.50% | 9.49% | 5.13% | 5.50% |
| Calhoun Liberty Credit Union | 3.99% | 10.99% | 10.90% | 17.00% | 7.00% | 8.00% |
| Pinellas Federal Credit Union | 6.00% | 6.00% | 9.50% | 10.24% | 7.25% | 7.00% |
| Priorityone Credit Union of Florida | 5.74% | 5.99% | 11.99% | 18.00% | 6.38% | 6.75% |
| First Choice Credit Union | 5.00% | 5.50% | 10.00% | 10.00% | 6.75% | 6.75% |
| Hello Credit Union | 5.55% | 7.53% | 11.81% | 15.00% | 5.57% | 7.15% |
| JM Associates Federal Credit Union | 5.05% | 5.34% | 14.88% | 9.99% | 6.25% | 6.75% |
| Tru Fi Credit Union | 5.92% | 7.77% | 13.87% | 12.02% | 6.53% | 6.76% |
| Florida West Coast Credit Union | 5.21% | 5.70% | 10.08% | 10.70% | 6.75% | 6.75% |
| Baptist Health South Florida Federal Credit Union | 6.25% | 7.21% | 18.00% | 14.25% | 6.88% | 8.27% |
| Coastline Federal Credit Union | 5.23% | 6.04% | 12.51% | 12.96% | 6.16% | 6.85% |
| Okaloosa County Teachers Federal Credit Union | 6.70% | 8.00% | 10.32% | 14.00% | 6.80% | 6.80% |
| Broward Healthcare Federal Credit Union | 1.99% | 1.99% | 8.49% | 18.00% | 3.00% | 6.75% |
| Sun Credit Union | 3.99% | 4.49% | 8.90% | 18.00% | 5.91% | 3.99% |
| Powernet Credit Union | 5.68% | 6.81% | 10.15% | 11.44% | 5.08% | 6.85% |
| Adventhealth Credit Union | 5.68% | 5.97% | 12.31% | 9.55% | 6.48% | 7.28% |
| Connect Credit Union | 4.99% | 7.99% | 8.49% | 16.50% | 5.50% | 7.25% |
| Tampa Postal Federal Credit Union | 4.75% | 5.50% | 8.99% | 11.50% | 6.50% | 6.75% |
| Memorial Employees Financial Credit Union | 5.46% | 6.04% | 9.13% | 13.65% | 5.36% | 6.94% |
| My Pensacola Federal Credit Union | 5.40% | 5.89% | 10.39% | 12.34% | 3.78% | 9.55% |
| T M H Federal Credit Union | 4.69% | 6.60% | 9.90% | 8.65% | 4.77% | – |
| FiCare Federal Credit Union | 5.51% | 6.49% | 9.50% | 11.60% | 5.00% | 6.81% |
| Emerald Coast Federal Credit Union | 5.09% | 5.74% | 9.90% | 9.90% | 9.50% | 6.75% |
| Priority Credit Union | 5.50% | 5.75% | 9.90% | 12.00% | 5.00% | 5.50% |
| Everglades Federal Credit Union | 4.50% | 4.50% | 11.75% | 10.00% | 7.00% | 4.75% |
| Ocala Community Credit Union | 5.05% | 6.02% | 9.00% | 12.51% | 3.47% | – |
| Jackson County 1st Credit Union | 4.99% | 5.49% | 12.90% | 9.90% | 7.00% | – |
| Miami Federal Credit Union | 3.99% | 6.99% | 8.99% | 12.00% | 3.00% | 6.24% |
| City-County Employees Credit Union | 5.64% | 8.14% | 16.68% | 13.13% | – | 7.91% |
| Jax Fire Credit Union | 5.40% | 5.90% | 13.92% | 9.40% | 7.25% | – |
| Transport Credit Union | 5.74% | 6.24% | – | 10.74% | 2.88% | 7.25% |
| 1st Street Credit Union | 5.08% | 7.54% | 10.90% | 11.78% | – | 6.32% |
| Ecu Credit Union | 6.07% | 6.61% | 12.92% | 13.08% | 3.14% | 5.60% |
| Pompano Beach City Emp. Credit Union | 5.94% | 10.20% | – | 18.00% | 5.00% | – |
| Walton County Teachers Federal Credit Union | 4.00% | 4.50% | 10.30% | 9.00% | 4.25% | – |
| Florida A & M University Federal Credit Union | 6.68% | 7.13% | – | 13.22% | 4.19% | 8.56% |
| Compass Financial Federal Credit Union | 6.25% | 6.50% | – | 14.00% | 3.62% | – |
| Suwannee River Federal Credit Union | 4.75% | 4.75% | 13.00% | 8.00% | 3.25% | – |
| Monroe County Teachers Federal Credit Union | 6.25% | 6.25% | – | 18.00% | 5.25% | – |
| Financial Educators Federal Credit Union | 5.29% | 6.84% | 11.90% | 12.23% | 4.77% | 6.49% |
| Farmers Federal Credit Union | 3.75% | 3.75% | 10.00% | 10.19% | 7.00% | – |
| Metro North Federal Credit Union | 4.74% | 6.67% | 15.00% | 8.28% | 4.95% | – |
| South Atlantic Federal Credit Union | 7.00% | 7.00% | 12.90% | 10.95% | 3.00% | – |
| Jefferson County Teachers Credit Union | 5.52% | 8.33% | – | 10.86% | – | – |
| Southernmost Federal Credit Union | 5.04% | 5.38% | 15.90% | 11.34% | – | – |
| Hialeah Municipal Employees Federal Credit Union | 5.61% | 6.17% | 11.80% | 14.92% | – | – |
| Madison Education Assoc. Credit Union | 4.90% | 6.90% | – | 10.00% | – | – |
| Shaw-Ross Employees Credit Union | – | – | – | 14.96% | – | – |
| Florida Customs Federal Credit Union | 3.84% | 5.99% | – | 10.00% | – | – |
| Local 606 Electrical Workers Federal Credit Union | 6.80% | 8.00% | – | 18.00% | 4.33% | – |
| Container Mutual Credit Union | 4.72% | 6.15% | – | 14.37% | 5.00% | – |
| Unity of Eatonville Federal Credit Union | 8.43% | 8.17% | – | 13.38% | 7.06% | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Florida credit unions · Lowest rates nationally