Today's rate snapshot
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How rates trended in Florida
Daily average across every credit union lending in FL, past 90 days. Dashed line is the national FRED benchmark.
Mortgage rates in Florida
Credit unions lending in Florida
Membership is available to anyone who lives, works, worships, or attends school in select counties in Alabama and Florida, as well as employees of member companies and relatives of current members.
Membership is open to employees, students, and alumni of Florida A&M University, as well as members of several Tallahassee-area churches and the local NAACP branch. Relatives of eligible members are also welcome to join.
Membership is open to anyone who lives, works, worships, or attends school in 38 Florida 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, Semi
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
Membership in ALL IN Credit Union is open to those who live, work, worship, or attend school in Pike or Crenshaw Counties in Alabama, or Jackson or Walton Counties in Florida. Eligibility also extends to people in various other counties in Alabama (Barbour, Bullock, Butler, Coffee, Conecuh, Covington, Dale, Henry, Houston, Macon, Mobile, Monroe, Montgomery), Florida (Okaloosa), Georgia (Baldwin, B
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
Publix Employees Federal Credit Union is primarily open to employees of Publix Super Markets and their immediate family members.
Space Coast Credit Union membership is open to anyone who lives or works in 34 eligible Florida counties, as well as relatives of current members.
Membership is open to anyone nationwide by joining the American Consumer Council or the New York Credit Union Foundation at no cost. You may also join if you are an employee of over 400 partner companies, a family member of an existing member, or if you live, work, worship, or attend school in select areas of New York and Florida.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Florida every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
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