--- title: "Floridacentral Credit Union: #1 15-Yr Mortgage in Florida" description: "Floridacentral Credit Union has the lowest tracked 15-year fixed mortgage rate in Florida (6.01% APR) among 5 credit unions we verify. Floridacentral Credit Union rates today: 30 year fixed mortgage 6.45% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Floridacentral Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/floridacentral" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Floridacentral Credit Union: #1 15-Yr Mortgage in Florida ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.448% APR | 6.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.010% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.045% APR | 5.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.381% APR | 6.125% | — | Standard | | **15-Year Jumbo** other | 6.880% APR | 6.375% | — | Standard | | **30-Year Jumbo** other | 7.130% APR | 6.750% | — | Standard | Floridacentral Credit Union mortgage rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Our Rates** other | — % | 4.250% | — | Standard | Floridacentral Credit Union other rates as of November 12, 2026 As of November 12, 2026, Floridacentral Credit Union offers a 30-year fixed mortgage at 6.448% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/floridacentral) , verified from [Floridacentral Credit Union's official website](https://www.floridacentralcu.com/) Best product position **#1 of 5** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **24 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.45% | Better than the Florida median | 7 bp from state best | 50 bp better than median | | 15-year fixed mortgage | 6.01% | #1 of 5 · lowest in Florida | State market leader | 24 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Floridacentral 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=floridacentral&state=florida&code=FL&name=Floridacentral%20Credit%20Union) Loading branch locator… ## About Floridacentral Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 43.9K Assets $622M Founded 1954 Locations reported 13 NCUA charter 67668 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education 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. [**GTE** South Tampa · Tampa · FL · 33609 About 0.2 miles away](https://rateapi.dev/credit-unions/florida/gte) [**DFCU Financial** DFCU - Kennedy · Tampa · FL · 33609 About 0.2 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Midflorida** 2205 - South Tampa · Tampa · FL · 33629 About 0.9 miles away](https://rateapi.dev/credit-unions/florida/midflorida) [**Teachers** Tampa Westshore · Tampa · FL · 33607 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/teachers) [**Lake Michigan** South Tampa · Tampa · FL · 33609 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Grow Financial** Hyde Park · Tampa · FL · 33606 About 2.5 miles away](https://rateapi.dev/credit-unions/florida/grow-financial) 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 Floridacentral Credit Union Membership eligibility from Floridacentral Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Select Employee Group) - Employer Select Employee Group Verified from [Floridacentral Credit Union's membership page](https://www.floridacentralcu.com/manage/business-services/corporate-membership.html) . Final membership determination is always made by the credit union. ## Work at Floridacentral 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 Floridacentral Credit Union ranks against Florida peers. - See which AI assistants fetched Floridacentral 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=floridacentral&state=florida&code=FL&name=Floridacentral%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Floridacentral Credit Union offer? Floridacentral 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 Floridacentral Credit Union rates updated? RateAPI verifies Floridacentral 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 Floridacentral Credit Union's rate data? Rate data is collected directly from Floridacentral 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 Floridacentral Credit Union's mortgage rate? As of November 12, 2026, Floridacentral Credit Union offers a 30-year fixed mortgage at 6.448% APR. ### Who can join Floridacentral Credit Union? Membership via employers (Select Employee Group) ## Related Rate Data Compare Floridacentral 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://www.floridacentralcu.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 Floridacentral 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 Floridacentral Credit Union curl "https://api.rateapi.dev/credit-unions/florida /floridacentral " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Floridacentral Credit Union locations Search, filter, and browse all 13 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/floridacentral Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp