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Florida Personal Loans and Line of Credit Rates

Compare Tropical Financial Credit Union's best personal line of credit rates.

Rates effective September 26, 2022  

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Unsecured Line of Credit
(Variable Rate)
Rates as low as
11.75%
APR*

Payment Term:
Revolving credit line. Variable rate based on prime rate. Other conditions may apply. 
Unsecured Loan
(Fixed Rate)
Rates as low as
8.75%
APR

Payment Term:
Up to 60 months. Other conditions may apply. 
Savings Secured
Line of Credit
(Variable Rate)
Share Savings Rate
+ 2.50%
APR*
Payment Term:
Revolving credit line. Variable rate based on current savings rate. Other conditions may apply. 
Savings Secured Loan

(Fixed Rate)

2.60%
APR*
Payment Term:
Up to 60 months. Other conditions may apply. 
Savings Certificate Secured Loan
(Fixed Rate)+
Share Certificate Rate
+ 2.50%
APR*
Payment Term:
May not exceed the share certificate term. Other conditions may apply. 

Disclosures

* APR = Annual Percentage Rate. Eligibility for the lowest advertised rate is based on creditworthiness, ability to repay, credit score and terms.  Other rates and terms may apply and your actual rate, term and payment may vary depending on your credit history, loan amount and other factors. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply. 

Unsecured Line of Credit Variable Rate:  will vary based on creditworthiness.  +The standard APR could range from Prime + 7.00% to Prime + 14.00%.  The variable APR may increase or decrease based on the highest Prime Rate published in the Money Rates column of the Wall Street Journal. Member must reside in a state within TFCU lending area. Other restrictions may apply. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date.

Savings Secured Line of Credit Variable Rate:  The variable APR may increase or decrease based on the savings account rate.

Savings Secured Line of Credit, Savings Secured Loan and Savings Certificate Secured loan require a qualifying savings or certificate deposit account as collateral.

++Bump Up Certificate not eligible for Saving Certificate Secured Loan - Fixed Rate

Rates and terms are subject to change without notice.  Membership eligibility required with $5 minimum in savings. Example:  $5,000 loan at 8.75% APR with 60 monthly payments of approximately $102.62 

National Credit Union Administration and Equal Housing Opportunity logo

This credit union is federally-insured by the National Credit Union Administration. NMLS ID 407683.

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PRIVACY NOTICE | TRANSPARENCY IN COVERAGE DISCLOSURE | ABA ROUTING # 267077847 |  P.O. Box 829517, Pembroke Pines, FL 33082-9917  |  888-261-8328 


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