--- title: "Florida West Coast Credit Union Rates (Nov 2026): Auto 4.00%" description: "Florida West Coast Credit Union rates today: auto loans from 4.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Florida West Coast Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/florida-west-coast" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Florida West Coast Credit Union Rates (Nov 2026): Auto 4.00% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.000% APR | 3.990% | new | Standard | Florida West Coast Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 5.990% | — | Standard | Florida West Coast Credit Union heloc rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.990% | — | Standard | Florida West Coast Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **12-Month Certificate** cd_12mo | — APY | 4.00% | 12 mo | Standard | Florida West Coast Credit Union savings & cd rates as of November 13, 2026 Auto loans available from 4% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/florida-west-coast) , verified from [Florida West Coast Credit Union's official website](https://www.fwccu.com/) Best product position **Better than the Florida median** new-car loan Gap to state best **76 bp** 76 bp from state best Vs. state median **117 bp better than median** new-car loan Products ranked **1** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.00% | Better than the Florida median | 76 bp from state best | 117 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Florida West Coast 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-west-coast&state=florida&code=FL&name=Florida%20West%20Coast%20Credit%20Union) Loading branch locator… ## About Florida West Coast Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.3K Assets $141.4M Founded 1991 Locations reported 6 NCUA charter 67337 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services 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. [**Grow Financial** Brandon Branch · Brandon · FL · 33511 Branch in the same ZIP](https://rateapi.dev/credit-unions/florida/grow-financial) [**GTE** Brandon · Brandon · FL · 33511 About 1.3 miles away](https://rateapi.dev/credit-unions/florida/gte) [**Floridacentral** 60- Brandon Branch · Brandon · FL · 33511-5706 About 1.7 miles away](https://rateapi.dev/credit-unions/florida/floridacentral) [**Trax** Winthrop · Riverview · FL · 33578 About 1.7 miles away](https://rateapi.dev/credit-unions/florida/trax) [**DFCU Financial** DFCU - Brandon · Brandon · FL · 33511 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Midflorida** 34-Central Brandon · Brandon · FL · 33511 About 1.9 miles away](https://rateapi.dev/credit-unions/florida/midflorida) 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 West Coast Credit Union Membership eligibility from Florida West Coast Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Florida West Coast Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Hillsborough County Government, Pasco County Government Verified from [Florida West Coast Credit Union's membership page](https://www.fwccu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Florida West Coast Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from Florida West Coast Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Hillsborough County Government “Serving Hillsborough and Pasco County Government employees and their families.” > [source ↗](https://www.fwccu.com/membership) - Employee of Hillsborough County Government - Employee of Pasco County Government “Serving Hillsborough and Pasco County Government employees and their families.” > [source ↗](https://www.fwccu.com/membership) - Employee of Pasco County Government ### 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 “all your family members are eligible to join as well.” > [source ↗](https://www.fwccu.com/membership) - Family member 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 West Coast Credit Union? Yes No ## Work at Florida West Coast 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 West Coast Credit Union ranks against Florida peers. - See which AI assistants fetched Florida West Coast 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-west-coast&state=florida&code=FL&name=Florida%20West%20Coast%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Florida West Coast Credit Union offer? Florida West Coast Credit Union currently offers Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Florida West Coast Credit Union rates updated? RateAPI verifies Florida West Coast 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 Florida West Coast Credit Union's rate data? Rate data is collected directly from Florida West Coast Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Florida West Coast Credit Union's auto loan rates? As of November 13, 2026, Florida West Coast Credit Union offers auto loans from 4% APR. ### Who can join Florida West Coast Credit Union? Florida West Coast Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Florida West Coast Credit Union, each quoted from Florida West Coast Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Florida West Coast Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida HELOC rate leaders](https://rateapi.dev/heloc-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.fwccu.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 West Coast 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 West Coast Credit Union curl "https://api.rateapi.dev/credit-unions/florida /florida-west-coast " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Florida West Coast Credit Union locations Search, filter, and browse all 6 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-west-coast Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp