Florida Credit Union Mortgage Refinance Rates
Compare mortgage refinance rates from credit unions in Florida. Today's best tracked refi rate: 6.440% APR. Zero affiliate bias — rates ranked by true cost.
Quick answer: As of November 2026, tracked mortgage refinance rates from credit unions in Florida start at 6.440% APR, with a median of 6.662% APR across the top 4 offers. The lowest rate currently comes from Publix Employees Credit Union. Rates below are ranked by true cost with no affiliate bias.
Florida mortgage refinance rates from credit unions start at 6.440% APR (median 6.662% APR across the top 4 offers), updated November 2026.
Source: RateAPI.dev
Top Florida Credit Unions for Refinancing
Ranked by lowest APR. Based on a $400,000 refinance over 30 years.
| Credit Union | Rate | APR | Est. Payment | |
|---|---|---|---|---|
Publix Employees Credit Union 30YR FIXED | 6.44% | 6.44% | $2,513/mo | Visit Site |
Floridacentral Credit Union 30-Year Fixed | 6.25% | 6.448% | $2,515/mo | Visit Site |
USF Federal Credit Union 30-Year Fixed | 6.875% | 6.875% | $2,628/mo | Visit Site |
Eglin Credit Union 30yr FIXED | 7% | 7% | $2,661/mo | Visit Site |
When Refinancing Makes Sense in Florida
Refinancing replaces your current mortgage with a new one — ideally at a lower rate or shorter term. The key question is whether monthly savings recoup closing costs before you move.
Check Your Break-Even
Divide closing costs by monthly savings. Under ~24 months is generally worthwhile. Use the break-even calculator.
Compare Credit Unions
Credit unions in Florida often undercut bank refi rates by 0.25–0.50%. Compare at least 3–5 lenders.
Mind Your LTV and Credit
Lower loan-to-value and a score above 740 unlock the best refinance pricing. Cash-out refis price higher than rate-and-term.
Weigh Term Changes
Refinancing into a 15-year term raises the payment but cuts total interest. A shorter term often carries a lower rate.
Frequently Asked Questions
Common questions about refinancing in Florida
As of November 2026, tracked mortgage refinance rates from credit unions in Florida start at 6.440% APR, with a median of 6.662% APR across the top offers. Rates vary by credit score, loan-to-value, and whether you take cash out.
Refinancing makes sense when the new rate is low enough that your monthly savings recoup closing costs before you sell or move. A common rule of thumb is a break-even under 24 months. Use the refinance break-even calculator to check your specific numbers, then compare credit union offers here.
Credit unions in Florida frequently beat bank refinance rates because they are member-owned non-profits that return savings through lower rates and fees. Comparing several lenders — including local credit unions — is the single biggest lever on your refinance cost.
RateAPI collects credit union rates for Florida daily by scraping lender websites directly. The offers on this page reflect the most recent collection, last refreshed in November 2026.
Yes. RateAPI provides daily-updated Florida mortgage and refinance rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically.
Refinance Rates by State
Build With RateAPI
Access daily-updated mortgage and refinance rate data from credit unions via our REST API. Perfect for fintech apps, comparison sites, and AI agents.