The Grand Opening for the new Home Office will be held April 22, 2017 - 10 a.m. to 2 p.m. Learn More

Loan Products | Central Credit Union of Florida

Grand Opening Rate Sale

Central is offering a special rate for our Grand Opening on new and used car loans. Learn more


First Mortgage Refinance Offer

Central Credit Union of Florida is giving members the opportunity to combine their first mortgage and second mortgage into one lump sum. Members can borrow up to 110% of their home's appraised value. The rates are based on current mortgage rates. Central will even reimburse the appraisal fee (up to $450).

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Auto Loans with Affordable Payments

You tell us what you want your payment and term to be, and we'll do our best to make it happen. We also offer a same day loan decision, and excellent car loan interest rates.

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Check Your Credit Report Every Year

When you're trying to build and maintain a good credit score, it's important to check your credit every year. Your credit score can help you qualify when you apply for a new loan or a new job. It's free to check your credit score at

Bicycle Loan Offer

What better way to get around than on a bike? CCUFL is now offering bicycle loans from $250 to $5,000 at 7.24% APR* for up to 60 months! So pedal your way to Central and show your "Pedal Power" spirit! Learn More


My First Loan

Need a loan but can't seem to get financing because you have never had credit before? Whether you need a personal loan or an auto loan, My First Loan may be what you are looking for.

Student Flex Loan

Central's Student Flex Loan allows you to borrow $1,000.00 @ 4.25% APR* with a low payment of $30.00 per month. Apply Now

New/Used Auto, Boat, RV, and Motorcycle Loans

We will get you approved at a very competitive rate. Already financed with someone else? Ask about refinancing with Central. Before you make a deal somewhere else, check with your credit union first. Apply Now

Fuel Economy

Buying a car can be a tough decision.  There are a lot of options to weigh, fuel economy being a major factor. can help.  The fuel economy website allows buyers to compare cars side-by-side, provides data on new or used cars dating as far back as 1984, and offers fuel-saving tips, as well as safety ratings. Check out for more information. 


Also introducing CARFAX vehicle history reports to CCUFL members. Click here more information.

"Just Because" Loan

This loan will have a fixed payment for up to 60 months. We will loan you money for most any reason with our "Just Because" Loan. Repair your car, take a vacation, purchase new appliances, or consolidate other debts with a "Just Because" Loan from your credit union. Apply Now

Special Purchase Loans

Finance a computer, farm equipment, off road vehicle, furniture, appliances and many more. Call us today for that special purchase you have been waiting for. Apply Now

Flexible Loan

Ever missed a super deal on a sale because you didn't have cash readily available? Simply transfer the funds that you need from your Flexible Loan to your account and never miss out on a great deal again! If you forget to make that transfer and you've already written your check, we'll transfer from your Flexible Loan (up to your limit) to pay the check and won't charge a fee for that service! Apply Now

Home Equity Loans

You've been living in your own built in vault for years as long as you've been making your mortgage payments faithfully through the years. Now that the vault is packed, cash in and use some of that equity to your advantage. Add a pool, consolidate high interest debt, pay college tuition, take a once in a lifetime vacation, and much more with a Home Equity Loan from Central. Contact us now to learn how to crack the vault to your dreams. Apply Now

*Central's In-House First Mortgage Loans receive a 0.25% APR discount with your Central Checking account.*

Fast and Easy Home Equity Loan

  •   Very Minimal Closing Costs
  •   Fixed Rates/Terms
  •   Borrow up to 80% loan to value
  •   Possible tax deduction (consult your tax advisor)


Now introducing ADT through Love My Credit Union.  This benefit is extended to CCUFL members. Click here more information.

*APR - Annual Percentage Rate
**All loans are based on creditworthiness.  Membership eligibility required.  Offer may be withdrawn at any time without notice.  Restrictions may apply.