In observance of Martin Luther King Jr. Day we will be closed Monday, January 17th.

Loan Products | Central Credit Union of Florida

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 with an annual credit report. 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

the e-learning portal
Become more familiar with Credit Scores and Reports

Home Equity Line of Credit (HELOC)

You can update or remodel your home, pay for college tuition, or handle unexpected expenses with a Home Equity Line of Credit from Central. Use the equity you have in your home to help you through any situation. Learn more.

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! Learn more about our Flexible Loan or Apply Now.


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). Learn more about our First Mortgage Refinance offer. Central also offers a number of other mortgage loans and services depending on your needs!

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.

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 @ 4.75% APR* with a low payment of $30.00 per month. Apply now for a Student Flex Loan.

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 for an auto, boat, RV, or motorcycle loan.

Fuel Economy

Buying a car can be a tough decision.  There are a lot of options to weigh, fuel economy being a major factor. 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.

"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 for a "Just Because" loan.

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 for a special purchase loan.

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 for a Home Equity loan.

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)


*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.

Serving Members Since 1962

Retargeting Tag lift tracking conversion tracking