The E-Branch site will be down beginning at 6:00 am, Monday, June 25 for scheduled maintenance. Members will not be able to access E-Branch Banking or Mobile Banking during this time. Debit card and ATM transactions will be limited. We apologize for any inconvenience this may cause. Thank you for your patience.

For further assistance, call: 850-474-0970 or 1-800-375-2235.

Swap and Drop

Through our Swap & Drop car loan promotion in 2017, our members saved a total of over $58,000 in interest.


Let Central drop your car interest rate by at least 2% APR*


Are you paying a high interest rate on your car loan due to your credit score? If so, Swap and Drop may be a good deal for you. We are offering to reduce your interest rate by at least 2% APR* when you finance with Central Credit Union.  Percentage rate based on credit review in lieu of credit score. In some cases we may drop your rate more than 2% APR*.  

Not a member? No worries. Once you are approved and satisfied with your interest rate and monthly payment, you can start your membership with Central when you come in to close your loan.  


  • Same Day Loan Decision** - Apply Now
  • Make No Payment for 90 Days***
  • E-Signature Available - Central members may close their loan without coming to the credit union.




The lowest minimum interest rate is 2.04% APR*. This offer excludes existing Central Credit Union auto loans. Interest shall continue to accrue during the payment deferral period. Membership required.  Offer ends March 31, 2018. All loans are subject to credit approval. Terms and conditions apply. 
* APR = Annual Percentage Rate

**Same Day Loan Decision - Excludes weekends and holidays.
***Based on Credit Review
Serving Members

Since 1962