MIDFLORIDA Credit Union membership, eligibility, and credit approval required, 6.000% is a 1-year promotional rate. Payment example: Based on a minimum credit score of 700, a 1-year adjustable rate vacant land loan for $100,000 with a minimum 35% down at 6.000% interest rate and an Annual Percentage Rate (APR) of 7.495%. The monthly principal and interest payments are $843.86 during the first 12 months. The interest rate may adjust once every 12 months thereafter, based on the 1-year US Treasury Bill rate (4.380 % as of September 03, 2024) plus a margin of 2.75%, with a maximum interest increase of 4% over the rate at closing. The monthly payment amount after the first adjustment based on current rates will be $895.72 and the highest possible monthly payment during the life of the loan could be $1,041.00. Promotional Rate and margin may vary based on credit history and underwriting guidelines. Advertised terms are valid as of September 03, 2024, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.

MIDFLORIDA Credit Union membership, eligibility, and credit approval required. Payment example: Based on a credit score of 700, a fixed rate residential lot loan for $100,000, amortized over 20 years, with 20% down 7.500% and an Annual Percentage Rate (APR) of 8.262%, has a monthly payment of $805.59, with a balloon payment due after 5 years of $87,707.90. Advertised terms are valid as of September 16, 2024, and subject to change without notice. Minimum credit score 680. Other conditions apply. Ask your mortgage loan officer for details.