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Loan 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. Rates effective as of December 1, 2024.1
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Auto Loans

Other rates and terms available. Please contact us for rates on vehicles not outlined below. 2
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 Loan3 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 Credit4 10-year draw period
10-year repayment period		 as low as 7.50%

Personal Loans

Loan Types Term APR
Closed End Personal Loan5 up to 72 mos. as low as 10.99%
Premium Line of Credit

No fixed term

 as low as 14.50%

Share Secured Loan

Loan Types Term APR
Share Secured Loan up to 48 mos. as low as 2.01%
1 Offer and rate valid as of January 1, 2025. 


2 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.


3 Home Equity Loan: Offer valid as of January 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.
 
4 Home Equity Line of Credit: The variable Annual Percentage Rate (APR) may be 7.50% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (7.50% as of 01/01/2025) 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.

5 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.

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