Personal Loans · Florida
106 credit unions in Florida report personal loan rates to the NCUA. Rates range from 7.99% to 23.99%.
Updated Q1 2026 · NCUA Call Report data
106
CUs Reporting Rates
7.99%
Lowest Rate
12.36%
State Average Rate
66
Cities Covered
106 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | RADIANT Gainesville | 7.99% | 9.49% |
| 2 | MCCOY ORLANDO | 7.99% | 13.00% |
| 3 | SUWANNEE RIVER LIVE OAK | 8.00% | 13.00% |
| 4 | METRO NORTH JACKSONVILLE | 8.22% | 15.00% |
| 5 | MIAMI FIREFIGHTERS MIAMI | 8.89% | 10.90% |
| 6 | EGLIN Fort Walton Bea | 8.90% | 7.90% |
| 7 | TAMPA BAY Tampa | 9.00% | 16.25% |
| 8 | T M H TALLAHASSEE | 9.08% | 9.90% |
| 9 | ADVENTHEALTH Altamonte Sprin | 9.36% | 12.31% |
| 10 | JAX FIRE Jacksonville | 9.40% | 13.92% |
| 11 | MIAMI POSTAL SERVICE Miami | 9.49% | 15.50% |
| 12 | PUBLIX EMPLOYEES LAKELAND | 9.50% | 9.90% |
| 13 | EMERALD COAST PORT ST JOE | 9.90% | 9.90% |
| 14 | CALHOUN LIBERTY Blountstown | 9.90% | 10.90% |
| 15 | MEMBERS FIRST CREDIT UNION OF FLORI Pensacola | 9.95% | 10.90% |
| 16 | GULF WINDS PENSACOLA | 9.99% | 9.90% |
| 17 | FLORIDACENTRAL Tampa | 9.99% | 9.24% |
| 18 | JM ASSOCIATES Jacksonville | 9.99% | 14.88% |
| 19 | MADISON EDUCATION ASSOC. Madison | 10.00% | — |
| 20 | COMMUNITY SOUTH Chipley | 10.00% | 7.90% |
| 21 | USF FEDERAL CREDIT UNION Tampa | 10.00% | 12.00% |
| 22 | FIRST CHOICE WEST PALM BEACH | 10.00% | 10.00% |
| 23 | EVERGLADES Clewiston | 10.00% | 11.75% |
| 24 | FAIRWINDS ORLANDO | 10.00% | 18.00% |
| 25 | FLORIDA CUSTOMS Tampa | 10.00% | — |
| 26 | WALTON COUNTY TEACHERS DEFUNIAK SPRING | 10.00% | 10.30% |
| 27 | FARMERS JACKSONVILLE | 10.19% | 10.00% |
| 28 | PINELLAS Largo | 10.24% | 9.50% |
| 29 | COMMUNITY FIRST CREDIT UNION OF FLO JACKSONVILLE | 10.25% | 14.15% |
| 30 | ALIVE Jacksonville | 10.25% | — |
| 31 | CHAMPIONS FIRST Tallahassee | 10.45% | 12.95% |
| 32 | LOYALTY Pensacola | 10.49% | 10.90% |
| 33 | ORLANDO Orlando | 10.49% | 15.74% |
| 34 | SANTA ROSA COUNTY MILTON | 10.56% | 8.77% |
| 35 | TRANSPORT Tampa | 10.74% | — |
| 36 | GOLD COAST PALM SPRINGS | 10.74% | — |
| 37 | VELOCITY COMMUNITY PALM BEACH GARD | 10.74% | 13.00% |
| 38 | RADIFI Jacksonville | 10.75% | 13.40% |
| 39 | FLORIDA WEST COAST BRANDON | 10.80% | 10.06% |
| 40 | SOUTH ATLANTIC Boca Raton | 10.95% | 12.90% |
| 41 | TYNDALL Panama City | 10.99% | 11.49% |
| 42 | TRAX Tampa | 11.05% | 16.05% |
| 43 | JEFFERSON COUNTY TEACHERS Monticello | 11.05% | — |
| 44 | SAN ANTONIO CITIZENS San Antonio | 11.16% | 9.71% |
| 45 | WE FLORIDA FINANCIAL Fort Lauderdale | 11.25% | 16.15% |
| 46 | CAMPUS USA Gainesville | 11.29% | 14.15% |
| 47 | SOUTHERNMOST Key West | 11.36% | 15.90% |
| 48 | ITHINK FINANCIAL Boca Raton | 11.40% | 12.65% |
| 49 | FICARE Wesley Chapel | 11.46% | 9.50% |
| 50 | TAMPA POSTAL TAMPA | 11.50% | 8.99% |
| 51 | PANHANDLE Panama City | 11.50% | 9.90% |
| 52 | 1ST STREET SARASOTA | 11.51% | 10.76% |
| 53 | JETSTREAM Miami Lakes | 11.74% | 13.40% |
| 54 | SUNCOAST TAMPA | 11.75% | 17.00% |
| 55 | BRIGHTSTAR Fort Lauderdale | 11.99% | 12.49% |
| 56 | TRU FI Macclenny | 12.00% | 13.84% |
| 57 | PRIORITY Orlando | 12.00% | 9.90% |
| 58 | INSIGHT WINTER SPRINGS | 12.00% | — |
| 59 | MIAMI MIAMI | 12.00% | 8.99% |
| 60 | MY PENSACOLA Pensacola | 12.37% | 10.29% |
| 61 | FINANCIAL EDUCATORS Daytona Beach | 12.39% | 11.90% |
| 62 | POWERNET Tampa | 12.47% | 10.08% |
| 63 | OCALA COMMUNITY Ocala | 12.49% | 9.00% |
| 64 | SPACE COAST Melbourne | 12.50% | 14.74% |
| 65 | MEMORIAL EMPLOYEES FINANCIAL HOLLYWOOD | 12.68% | 8.88% |
| 66 | GTE TAMPA | 12.74% | 10.49% |
| 67 | ADDITION FINANCIAL Lake Mary | 12.79% | 13.50% |
| 68 | COASTLINE Jacksonville | 12.96% | 12.15% |
| 69 | CITY-COUNTY EMPLOYEES CLEARWATER | 13.08% | 16.41% |
| 70 | ECU SEMINOLE | 13.15% | 12.95% |
| 71 | UNITY OF EATONVILLE Eatonville | 13.32% | — |
| 72 | FLORIDA A & M UNIVERSITY Tallahassee | 13.38% | — |
| 73 | HARVESTERS Cantonment | 13.40% | 12.90% |
| 74 | MIDFLORIDA Lakeland | 13.75% | 12.99% |
| 75 | JACKSON COUNTY 1ST MARIANNA | 13.90% | 12.90% |
| 76 | BLUE COAST Perry | 13.91% | 10.90% |
| 77 | GROW FINANCIAL Tampa | 14.00% | 12.49% |
| 78 | OKALOOSA COUNTY TEACHERS Crestview | 14.00% | 10.00% |
| 79 | COMPASS FINANCIAL Hialeah | 14.00% | — |
| 80 | KEYS Key West | 14.00% | 14.00% |
| 81 | FLORIDA Gainesville | 14.05% | 14.83% |
| 82 | BAPTIST HEALTH SOUTH FLORIDA Miami | 14.20% | 18.00% |
| 83 | FIRST FLORIDA Jacksonville | 14.24% | 14.50% |
| 84 | DADE COUNTY Sweetwater | 14.24% | 17.90% |
| 85 | CONTAINER MUTUAL Fernandina Beac | 14.28% | — |
| 86 | LOCAL 606 ELECTRICAL WORKERS ORLANDO | 14.50% | — |
| 87 | SHAW-ROSS EMPLOYEES Miami | 14.57% | — |
| 88 | HIALEAH MUNICIPAL EMPLOYEES Hialeah | 14.87% | 11.79% |
| 89 | HELLO Panama City | 14.96% | 12.29% |
| 90 | COMMUNITY CREDIT UNION OF FLORIDA Rockledge | 15.08% | 13.74% |
| 91 | EDUCATIONAL MIAMI | 15.15% | 17.25% |
| 92 | POWER FINANCIAL Pembroke Pines | 15.21% | 14.00% |
| 93 | VYSTAR Jacksonville | 15.70% | 16.00% |
| 94 | INNOVATIONS FINANCIAL PANAMA CITY | 15.75% | 8.50% |
| 95 | FIRST COMMERCE Tallahassee | 15.90% | 13.24% |
| 96 | TROPICAL FINANCIAL MIRAMAR | 15.98% | 17.99% |
| 97 | UNIVERSITY MIAMI | 15.99% | 15.99% |
| 98 | CONNECT CREDIT UNION Fort lauderdale | 16.50% | 9.49% |
| 99 | GUARDIANS WEST PALM BEACH | 17.45% | 18.00% |
| 100 | PENAIR Pensacola | 17.90% | 12.40% |
| 101 | SUN Hollywood | 18.00% | 8.90% |
| 102 | BROWARD HEALTHCARE FORT LAUDERDALE | 18.00% | 8.49% |
| 103 | PRIORITYONE CREDIT UNION OF FLORIDA Sunrise | 18.00% | 11.99% |
| 104 | MONROE COUNTY TEACHERS Key West | 18.00% | — |
| 105 | POMPANO BEACH CITY EMP. POMPANO BEACH | 18.00% | — |
| 106 | ACHIEVA CREDIT UNION Dunedin | 23.99% | 25.49% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
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