--- title: "Florida A & M University Credit Union Rates: Mortgage 6.38%" description: "Florida A & M University Credit Union has the lowest tracked 30-year fixed mortgage rate in Florida (6.38% APR) among 9 credit unions we verify. Florida A & M University Credit Union rates today: 30 year fixed mortgage 6.38% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Florida A & M University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/florida-a-m-university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Florida A & M University Credit Union Rates: Mortgage 6.38% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.380% APR | 6.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.507% APR | 6.250% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.794% APR | 6.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.074% APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.255% APR | 5.875% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.576% APR | 7.250% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.463% APR | 6.125% | — | Standard | Florida A & M University Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Florida A & M University Credit Union offers a 30-year fixed mortgage at 6.38% APR (1 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/florida-a-m-university) , verified from [Florida A & M University Credit Union's official website](https://famufcu.com/) Best product position **#1 of 9** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **57 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.38% | #1 of 9 · lowest in Florida | State market leader | 57 bp better than median | | 15-year fixed mortgage | 6.25% | Around the Florida median | 25 bp from state best | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Florida A & M University Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=florida-a-m-university&state=florida&code=FL&name=Florida%20A%20%26%20M%20University%20Credit%20Union) Loading branch locator… ## About Florida A & M University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.8K Assets $27.5M Founded 1935 Locations reported 1 NCUA charter 187 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program 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. [**First Commerce** Blairstone Financial Center · Tallahassee · FL · 32301 About 0.4 miles away](https://rateapi.dev/credit-unions/florida/first-commerce) [**First Florida** Blairstone Branch · Tallahassee · FL · 32301-5903 About 0.5 miles away](https://rateapi.dev/credit-unions/florida/first-florida) [**T M H** Main Office - Magnolia · Tallahassee · FL · 32301 About 0.8 miles away](https://rateapi.dev/credit-unions/florida/t-m-h) [**Campus Usa** Governor's Crossing · Tallahassee · FL · 32301-2878 About 1.1 miles away](https://rateapi.dev/credit-unions/florida/campus-usa) [**Gulf Winds** Mahan · Tallahassee · FL · 32308 About 1.5 miles away](https://rateapi.dev/credit-unions/florida/gulf-winds) [**Calhoun Liberty** FRECU Office · Tallahassee · FL · 32301-3731 About 1.5 miles away](https://rateapi.dev/credit-unions/florida/calhoun-liberty) 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 Florida A & M University Credit Union Membership eligibility from Florida A & M University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Florida A & M University Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Metz Culinary Management Food Services - Association Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP), Florida A&M University National Alumni Association, Inc. - Place of worship Bethel Missionary Baptist Church, Tabernacle Missionary Baptist Church, Jacob Chapel Baptist Church, Jerusalem Missionary Baptist Church Verified from [Florida A & M University Credit Union's membership page](https://famufcu.com/pages/about-famu.php) . Final membership determination is always made by the credit union. ## Membership rules for Florida A & M University Credit Union Employers 3 · Associations 2 · Schools · Places of worship 4 · Family 11 published paths to membership, last verified August 21, 2026, quoted from Florida A & M University Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Florida A&M University Federal Credit Union “Employees of the Florida A&M University Federal Credit Union” > [source ↗](https://famufcu.com/pages/about-famu.php) - Employee of Florida A&M University Federal Credit Union - Employee of Florida A&M University “Employees of the Florida A&M University” > [source ↗](https://famufcu.com/pages/about-famu.php) - Employee of Florida A&M University - Employee of Metz Culinary Management Food Services “Employees of Metz Culinary Management Food Services at Florida A&M University” > [source ↗](https://famufcu.com/pages/about-famu.php) - Employee of Metz Culinary Management Food Services ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Florida A&M University National Alumni Association, Inc. “Members of the Florida A&M University National Alumni Association, Inc.” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Florida A&M University National Alumni Association, Inc. - Member of Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) (as written on the source page) - Works in city:FL:tallahassee “Voting members of the Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) located in Tallahassee, Florida” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) and Works in Tallahassee, FL ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Florida A&M University “Students of the Florida A&M University” > [source ↗](https://famufcu.com/pages/about-famu.php) - Student at Florida A&M University ### Places of worship 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Bethel Missionary Baptist Church “Members of the Bethel Missionary Baptist Church in Tallahassee, Florida” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Bethel Missionary Baptist Church - Member of Tabernacle Missionary Baptist Church “Members of the Tabernacle Missionary Baptist Church in Tallahassee, Florida” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Tabernacle Missionary Baptist Church - Member of Jacob Chapel Baptist Church “Members of the Jacob Chapel Baptist Church in Tallahassee, Florida” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Jacob Chapel Baptist Church - Member of Jerusalem Missionary Baptist Church “Jerusalem Missionary Baptist Church of Tallahassee, Florida” > [source ↗](https://famufcu.com/pages/about-famu.php) - Member of Jerusalem Missionary Baptist Church ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, grandchildren “Relatives of the above-mentioned groups are eligible for membership. * *Relatives include: Spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, and grandchildren.” > [source ↗](https://famufcu.com/pages/about-famu.php) - Family member (spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, grandchildren) of a member 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 Florida A & M University Credit Union? Yes No ## Work at Florida A & M University 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 Florida A & M University Credit Union ranks against Florida peers. - See which AI assistants fetched Florida A & M University Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=florida-a-m-university&state=florida&code=FL&name=Florida%20A%20%26%20M%20University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Florida A & M University Credit Union offer? Florida A & M University Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Florida A & M University Credit Union rates updated? RateAPI verifies Florida A & M University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Florida A & M University Credit Union's rate data? Rate data is collected directly from Florida A & M University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Florida A & M University Credit Union's mortgage rate? As of November 12, 2026, Florida A & M University Credit Union offers a 30-year fixed mortgage at 6.38% APR. ### Who can join Florida A & M University Credit Union? Florida A & M University Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 3 employers, 2 associations, 1 school and 4 places of worship for Florida A & M University Credit Union, each quoted from Florida A & M University Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Florida A & M University Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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://famufcu.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 Florida A & M University Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida 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 Florida A & M University Credit Union curl "https://api.rateapi.dev/credit-unions/florida /florida-a-m-university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Florida A & M University Credit Union locations Search, filter, and browse all 1 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/florida/florida-a-m-university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp