APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of August 1, 2019

TermPayment DescriptionAPRAPR Type
36 MonthsMonthly2.990%Fixed
48 MonthsMonthly2.990%Fixed
60 MonthsMonthly3.000% above dividend rateFixed
72 MonthsMonthly3.000% above dividend rateFixed
84 MonthsMonthly3.000% above dividend rateFixed
120 MonthsMonthly3.000% above dividend rateFixed
TermPayment DescriptionAPRAPR Type
24 MonthsMonthly2.990% – 12.500%Fixed
36 MonthsMonthly2.990% – 12.500%Fixed
48 MonthsMonthly3.290% – 12.500%Fixed
60 MonthsMonthly3.290% – 12.990%Fixed
TermPayment DescriptionAPRAPR Type
72 MonthsMonthly3.990% – 13.240%Fixed
TermPayment DescriptionAPRAPR Type
84 MonthsMonthly4.990% – 13.500%Fixed
TermPayment DescriptionAPRAPR Type
24 MonthsMonthly2.990% – 13.490%Fixed
36 MonthsMonthly2.990% – 13.490%Fixed
48 MonthsMonthly2.990% – 13.490%Fixed
60 MonthsMonthly3.290% – 13.990%Fixed

Used Vehicle ($14k. MSRP) (model years 2012-2019)

TermPayment DescriptionAPRAPR Type
72 MonthsMonthly3.990% – 14.490%Fixed

Used Vehicle ($25k. MSRP) (model years 2012-2019)

TermPayment DescriptionAPRAPR Type
84 MonthsMonthly4.990% – 14.990%Fixed
TermPayment DescriptionAPRAPR Type
24 MonthsMonthly5.500% – 13.990%Fixed
36 MonthsMonthly5.500% – 13.990%Fixed
48 MonthsMonthly5.500% – 13.990%Fixed
60 MonthsMonthly5.500% – 13.990%Fixed
72 MonthsMonthly6.500% – 14.990%Fixed
TermPayment DescriptionAPRAPR Type
36 MonthsMonthly3.750% – 9.000%Fixed
48 MonthsMonthly3.750% – 9.000%Fixed
60 MonthsMonthly3.750% – 9.000%Fixed
72 MonthsMonthly5.000% – 10.000%Fixed
84 MonthsMonthly6.000% – 11.000%Fixed
120 MonthsMonthly6.250% – 12.500%Fixed
TermPayment DescriptionAPRAPR Type
24 MonthsMonthly4.500% – 11.050%Fixed
36 MonthsMonthly4.500% – 11.050%Fixed
48 MonthsMonthly4.500% – 11.050%Fixed
60 MonthsMonthly4.500% – 11.050%Fixed
TermPayment DescriptionAPRAPR Type
72 MonthsMonthly5.500% – 12.050%Fixed
TermPayment DescriptionAPRAPR Type
84 MonthsMonthly6.250% – 12.850%Fixed
TermPayment DescriptionAPRAPR Type
120 MonthsMonthly6.500% – 14.600%Fixed
TermPayment DescriptionAPRAPR Type
Up To 60 MonthsMonthly5.050%Fixed
72 MonthsMonthly6.500%Fixed
84 MonthsMonthly7.750%Fixed
120 MonthsMonthly8.500%Fixed
TermPayment DescriptionAPRAPR Type
36 MonthsMonthly4.850% – 10.850%Fixed
48 MonthsMonthly4.950% – 10.950%Fixed
60 MonthsMonthly5.050% – 11.050%Fixed
72 MonthsMonthly6.200% – 12.050%Fixed
84 MonthsMonthly7.200% – 13.050%Fixed
120 MonthsMonthly8.750% – 14.600%Fixed
TermPayment DescriptionAPRAPR Type
60 MonthsMonthly3.990%Fixed
TermPayment DescriptionAPRAPR Type
36 MonthsMonthly3.990% – 10.000%Fixed
48 MonthsMonthly4.100% – 10.100%Fixed
60 MonthsMonthly4.200% – 10.200%Fixed
TermPayment DescriptionAPRAPR Type
36 MonthsMonthly6.000% – 10.500%Fixed
48 MonthsMonthly6.250% – 11.250%Fixed
60 MonthsMonthly6.750% – 13.250%Fixed
TermPayment DescriptionAPRAPR Type
36 MonthsMonthly6.000% – 10.500%Fixed
48 MonthsMonthly6.250% – 11.250%Fixed
60 MonthsMonthly6.750% – 13.250%Fixed
TermPayment DescriptionAPRAPR Type
24 Months And UnderMonthly9.000% – 14.500%Fixed
36 MonthsMonthly9.000% – 14.500%Fixed
48 MonthsMonthly9.250% – 14.750%Fixed
60 MonthsMonthly9.500% – 15.000%Fixed
TermPayment DescriptionAPRAPR Type
Up To 6 MonthsMonthly25.000%Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of May 1, 2019

TermDividend Rates (APR)APYMaximum APR with Bump Up (.250% total)
6 Months1.100%1.105%1.350%
12 Months1.450%1.460%1.700%
18 Months1.450%1.460%1.700%
24 Months1.900%1.916%2.150%
36 Months2.050%2.069%2.300%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings / Shared Rates

Rates as of May 1, 2019

TermDividend RatesAPY
N/A.250%.250%
TermDividend RatesAPY
N/A.300%.300%
TermDividend RatesAPY
N/A.300%.300%

Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of May 1, 2019

TermDividend Rates (APR)APYMaximum APR with Bump Up (.250% total)
12 Months1.450%1.460%1.700%
18 Months1.450%1.460%1.700%
24 Months1.900%1.916%2.150%
36 Months2.050%2.069%2.300%

Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

All rates and terms are subject to change. Contact us for the most current information at 904-387-5660.

CONTACT US

Phone: (904) 387-5660
Toll Free: (800) 393-8578
Fax: (904) 387-6894

Lost/Stolen Cards
Debit Card: (800) 500-1044
MaserCard: (800) 299-9842

3040 Edison Avenue
Jacksonville, FL 32254

PO Box 37545
Jacksonville, FL 32236

Email: contact@firstcoastfederalcu.com

Branch Hours
Mon – Thurs: 8 a.m. – 4:30 p.m.
Friday: 8 a.m. – 5:30 p.m.

“Absolutely wonderful staff that takes care of every need for their members. If you are looking for banking with a personal touch, this is the Credit Union for you! Stop by to see the newly updated interior and drive-thru.”

Alex A.

“I love this credit union. I have been coming here for years. They recognize everyone by name and are extremely helpfull and reliable. I would recommend them to anyone looking for a small private credit union to do their banking.”

Autumn

“Very nice people they recognize every customer no hassles or anything.”

Reginia W.

Get in touch with us today if you have any questions about First Coast Federal Credit Union.

CONTACT US