Top credit unions in Florida ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Florida car payment calculator.
Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Florida for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
Sort rates by clicking the top of the list.
GTE was established in 1935 and has over 235,000 members at 25 credit unions in Florida. It was founded by employees of GTE telephone company, the predecessor to Verizon Communications.
The ways to join include residents of the Florida zip codes 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, and 33619. Membership is also open to anyone who joins through CU Savers.
GTE Financial ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 711 E Henderson Ave, Tampa, FL 33602
PenAir Credit Union
PenAir was founded in 1936 and has 125,000 members from 11 locations in Florida. It is the oldest credit union in Pensacola.
Anyone can join after making a $1 donation to the Friends of NMCRS, a charitable military organization whose members become eligible to join PenAir CU.
Headquarters: 1495 E Nine Mile Rd, Pensacola, FL 32514
First Florida Credit Union
First Florida was established in 1950. It has 60,000 members at 19 branches. It began with $301 in deposits from five Florida State government officials.
The ways to join include residents from participating counties along with employees of the DMV or the State Attorney’s Office.
Headquarters: 500 West 1st St, Jacksonville, FL 32202
Eglin Federal Credit Union
EFCU was established in 1954 and serves over 125,000 members at 9 locations in FL.
The field of membership includes the counties of Escambia, Santa Rosa, Bayou, Hollywood, Okaloosa, and Walton.
U.S. military or government employees from Eglin AFB, Hurlburt Field, Duke Field, Camp Rudder or the 7th SFG are also eligible to sign up as listed in the ways to join EFCU.
Headquarters: 838 Eglin Parkway NE, Fort Walton Beach, FL 32547
Florida Credit Union
FCU was founded in 1954 and has 145,000 members from 13 credit unions in Florida.
The ways to join include residents of 48 counties in central Florida as listed on the FCU membership eligibility map.
Headquarters: 1615 NW 80th Blvd, Gainesville, FL 32606
Tyndall Federal Credit Union
Established in 1956 at the largest Air Force Base in the Panhandle, Tyndall FCU serves over 115,000 members at 10 unions in FL.
The field of membership includes the counties: Bay, Gulf, Walton, Jackson, Leon, Okaloosa, Franklin, Calhoun, Holmes, or Washington.
Headquarters: 909 East 23rd St, Panama City, FL 32405
Suncoast Credit Union
Suncoast was established in 1934. It has 1.1 million members at 74 locations. Suncoast is the largest credit union in Florida and the only one with over a million members.
The ways to join include graduates from Florida colleges and residents of the following counties: Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, DeSoto, Dixie, Duval, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Leon, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St Johns, St Lucie, Sumter, or Volusia.
Headquarters: 6801 E Hillsborough Ave, Tampa, FL 33610
MIDFLORIDA Credit Union
Founded in 1954, MIDFLORIDA serves 475,000 members at 65 unions. It began with 10 teachers whose deposits were stored in a shoebox at the tresurer's house.
The field of membership includes residents of select counties in middle Florida.
Headquarters: 129 South Kentucky Ave, Suite 10, Lakeland, FL 33801
Space Coast Credit Union
Established in 1947, SCCU serves 610,000 clients at 63 branches in FL. The original members were from Patrick Air Force Base.
The ways to join include the counties: Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Duval, Flagler, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St Johns, St Lucie, Sumter, and Volusia.
Headquarters: 8045 N Wickham Rd, Melbourne, FL 32940
Fairwinds Credit Union
Fairwinds was established in 1949 and has over 220,000 members at 35 branches in Florida. Its first members were from the Naval Training Devices Center. Now Membership is open to anyone who joins with an initial $5 deposit.
Headquarters: 135 W Central Blvd, Orlando, FL 32801