--- title: "Florence Credit Union Rates - Alabama" description: "Current vehicle loan, personal loan, savings & cd, and equipment loan rates from Florence Credit Union in Alabama. Updated daily with source verification. See who can join Florence Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/florence" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Florence Credit Union Rates - Alabama ### Auto & vehicle rates 18 offers | Product | Published | Rate | Term / condition | Status | | **New/Used (Current yr - 3 yrs old) 2026-2023** auto_any_36mo | — APR | 4.750% | 36 mo · any | Standard | | **Used Automobile 4-6 yrs old (2022-2020)** auto_used_72mo | — APR | 5.500% | 72 mo · used | Standard | | **New/Used (Current yr - 3 yrs old) 2026-2023 (A-B Tiers Only)** auto_any_36mo | — APR | 6.000% | 36 mo · any | Standard | | **Used Automobile 7-10 yrs old (2019-2016)** auto_used_120mo | — APR | 6.000% | 120 mo · used | Standard | | **New Boat and Motor** boat_new_180mo | — APR | 6.500% | 180 mo · new | Standard | | **New Waverunner** auto_new_96mo | — APR | 6.750% | 96 mo · new | Standard | | **New Motorcycle / Side by Side / Golf Cart (Current yr and 3 previous yrs)** motorcycle_new_72mo | — APR | 6.750% | 72 mo · new | Standard | | **New Motor Home** rv_new_180mo | — APR | 6.950% | 180 mo · new | Standard | | **Used Automobile 11-19 yrs old (2015-2007)** auto_used_48mo | — APR | 7.000% | 48 mo · used | Standard | | **180-Month New RV Loan** rv_new_180mo | — APR | 7.250% | 180 mo · new | Standard | | **Used Boat and Motor 12 yrs or less (2014)** boat_used_144mo | — APR | 7.500% | 144 mo · used | Standard | | **Used Waverunner 12 yrs or less (2014)** auto_used_72mo | — APR | 7.500% | 72 mo · used | Standard | | **Used Motorcycle / Side by Side / Golf Cart 4-10 yrs (2024-2016)** motorcycle_used_60mo | — APR | 7.500% | 60 mo · used | Standard | | **Used Side by Side/ Golf Cart 12 yrs or less (2014)** powersports_used_66mo | — APR | 7.500% | 66 mo · used | Standard | | **Salvage Automobiles - NADA Rough Value 10 yrs and newer** auto_any_54mo | — APR | 7.500% | 54 mo | Standard | | **Used Motorcycle 11-19 yrs (2015-2007)** motorcycle_used_66mo | — APR | 7.750% | 66 mo · used | Standard | | **Used Motor Home 12 yrs or less (2014)** rv_used_120mo | — APR | 7.950% | 120 mo · used | Standard | | **Used Travel Trailer 12 yrs or less (2014)** rv_used_84mo | — APR | 8.250% | 84 mo · used | Standard | Florence Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share Secure - 3% above earning rate rounded up to the next 1/2% never less than 4.00%** personal_secured | — APR | 4.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.500% | — | Standard | Florence Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 0.45% | — | Standard | | **CD/IRA** ira_cd_6mo | — APY | 2.00% | 6 mo | Standard | | **CD/IRA** ira_cd_12mo | — APY | 2.25% | 12 mo | Standard | | **CD/IRA** ira_cd_18mo | — APY | 2.50% | 18 mo | Standard | | **CD/IRA** ira_cd_24mo | — APY | 3.00% | 24 mo | Standard | | **CD/IRA** ira_cd_48mo | — APY | 3.25% | 48 mo | Standard | | **CD/IRA** ira_cd_60mo | — APY | 3.50% | 60 mo | Standard | | **Certificate - 3% above earning rate rounded up to the next 1/2% never less than 4.00%** share_certificate | — APY | 4.00% | — | Standard | Florence Credit Union savings & cd rates as of November 13, 2026 ### Equipment loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New Farm Tractor and Equipment (25hp to 45hp)** equipment_new_96mo | — APR | 6.750% | — | Standard | | **New 4 Wheeler / Riding Lawn Mower / Lawn Equipment** equipment_new_72mo | — APR | 6.750% | — | Standard | | **New Farm Tractor and Equipment (46hp and up)** equipment_new_120mo | — APR | 7.250% | — | Standard | | **Used Farm Tractor and Equipment (25hp to 45hp)** equipment_used_72mo | — APR | 7.750% | — | Standard | | **Used 4 Wheeler / Riding Lawn Mower / Lawn Equipment 12 yrs old or less (2014)** equipment_used_66mo | — APR | 7.750% | — | Standard | | **Used Farm Tractor and Equipment (46 hp and up)** equipment_used_84mo | — APR | 8.250% | — | Standard | Florence Credit Union equipment loan rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates** other | — % | 4.750% | — | Standard | | **Short Term Cash (up to 6 months)** other | — % | 28.000% | — | Standard | Florence Credit Union other rates as of November 13, 2026 Florence Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/florence) , verified from [Florence Credit Union's official website](https://www.ffcuonline.com/) Loading branch locator… ## About Florence Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.9K Assets $66.6M Founded 1959 Locations reported 2 NCUA charter 13167 Charter type Federal credit union ### Services and member support - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Lauderdale County Teachers** Florence Federal Credit Union · Florence · AL · 35630-2285 Branch in the same ZIP](https://rateapi.dev/credit-unions/alabama/lauderdale-county-teachers) [**Alabama Central** Florence · Florence · AL · 35630-6717 About 0.4 miles away](https://rateapi.dev/credit-unions/alabama/alabama-central) [**Champion Community** CCCU - Florence Branch · Florence · AL · 35630-1432 About 0.6 miles away](https://rateapi.dev/credit-unions/alabama/champion-community) [**Tva Community Credit Union** Mall Drive Branch · Florence · AL · 35630-1580 About 1.6 miles away](https://rateapi.dev/credit-unions/alabama/tva-community-credit-union) [**Listerhill** UNA · Florence · AL · 35632-0002 About 1.7 miles away](https://rateapi.dev/credit-unions/alabama/listerhill) [**Valley** VALLEY CREDIT UNION · FLORENCE · AL · 35630 About 2.1 miles away](https://rateapi.dev/credit-unions/alabama/valley) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Florence Credit Union Membership eligibility from Florence Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Florence Credit Union's website. Check the membership page below to confirm whether you qualify. - Location lauderdale, colbert — AL Verified from [Florence Credit Union's membership page](https://www.ffcuonline.com/join) . Final membership determination is always made by the credit union. ## Membership rules for Florence Credit Union Geography 2 counties 8 published paths to membership, last verified November 8, 2026, quoted from Florence Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Colbert County, AL - Lauderdale County, AL “If you live, work, worship, or attend school in: Lauderdale County Colbert County Alabama, then you are eligible to become a Florence Federal Member.” > [source ↗](https://www.ffcuonline.com/join) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Florence Credit Union? Yes No ## Work at Florence Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Florence Credit Union ranks against Alabama peers. - See which AI assistants fetched Florence Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=florence&state=alabama&code=AL&name=Florence%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Florence Credit Union offer? Florence Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Florence Credit Union rates updated? RateAPI verifies Florence Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Florence Credit Union's rate data? Rate data is collected directly from Florence Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Florence Credit Union? Florence Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 2 counties for Florence Credit Union, each quoted from Florence Credit Union's own published membership criteria. ## Related Rate Data Compare Florence Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ffcuonline.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Florence Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Florence Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /florence " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Florence Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/florence Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp