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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
Get StartedLoan Rates
Look to MIDFLORIDA to finance your next vehicle or other borrowing need with competitive rates and flexible terms. Get current rates for auto loans, recreational vehicles, home equity and personal loans below.
Apply Online Calculate My Payment Auto Loans
Other rates and terms available. Please contact us for rates on vehicles not outlined below.1
APR = Annual Percentage Rate
APR = Annual Percentage Rate
| Loan Types | Term | APR |
|---|---|---|
| 2023 and Newer Autos | up to 72 mos. | as low as 5.89% |
2022 Autos |
up to 72 mos. | as low as 6.14% |
| 2021 Autos | up to 72 mos. | as low as 6.64% |
| 2020 and 2019 Autos | up to 72 mos. | as low as 7.39% |
Boats, RVs, Campers, ATVs, Jet Skis, Trailers
| Loan Types | Term | APR |
|---|---|---|
| New Recreational | up to 60 mos. | as low as 9.21% |
| Used Recreational | up to 60 mos. | as low as 10.22% |
Home Equity Loans
| Loan Types | Term | APR |
|---|---|---|
| Home Equity Loan2 | up to 60 mos. | as low as 6.53% |
| up to 120 mos. | as low as 6.51% | |
| up to 180 mos. | as low as 6.64% | |
| Home Equity Line of Credit3 | 10-year draw period 10-year repayment period |
as low as 7.75% |
Personal Loans
| Loan Types | Term | APR |
|---|---|---|
| Closed End Personal Loan4 | up to 60 mos. | as low as 12.10% |
| Premium Line of Credit | No fixed term |
as low as 14.75% |
Share Secured Loan
| Loan Types | Term | APR |
|---|---|---|
| Share Secured Loan | up to 48 mos. | as low as 2.01% |
1 Auto Loans: Other rates and terms available. Please contact us for rates on vehicles not outlined above. Rates are based on your credit score and are subject to change. Rates will differ if you are a first-time buyer or require a co-signor. Membership eligibility requirements apply. Payment Example: A 72- month new or used vehicle loan of $30,000 with an interest rate of 5.74% and an Annual Percentage Rate of 5.883% would have monthly payments of $493.47.
2 Home Equity Loan: Offer valid as of November 1, 2024, and may be canceled without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details. Home Equity Loan payment example: A 20-year fixed rate loan for $100,000 at 80% LTV at 7.337% and an Annual Percentage Rate (APR) of 7.353% would have a monthly payment of $795.92 which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater.
3 Home Equity Line of Credit: The variable Annual Percentage Rate (APR) may be 7.75% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (7.75% as of 11/15/2024) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100. Bridge loans have origination fee of $500 or 0.5% of loan amount, whichever is greater.
4 Personal loan payment example: a 72-month fixed-rate loan for $20,000 at 10.99% and an Annual Percentage Rate (APR) of 11.225% would have a monthly payment of $380.60, which includes principal and interest.
