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Loan Rates

Look to MIDFLORIDA to finance your next vehicle or other borrowing need with competitive rates and flexible terms. Get current rates for auto loans, recreational vehicles, home equity and personal loans below.1  APR = Annual Percentage Rate

Auto Loans

Loan Types Term APR
2021 and Newer Autos up to 72 mos. as low as 4.63%
2020 Autos up to 72 mos. as low as 4.89%
2019 Autos up to 72 mos. as low as 5.39%
2018 and 2017 Autos up to 72 mos. as low as 6.14%

Boats, RVs, Campers, ATVs, Jet Skis, Trailers

Loan Types Term APR
New Recreational up to 60 mos. as low as 6.69%
Used Recreational up to 60 mos. as low as 6.94%

Personal Loans

Loan Types Term APR
Closed End Personal Loan up to 60 mos. as low as 8.06%
Premium Line of Credit as low as 12.50%

Home Equity Loans

Loan Types Term APR
Home Equity Loan up to 60 mos. as low as 5.14%
up to 120 mos. as low as 5.39%
up to 180 mos. as low as 5.89%
Home Equity Line of Credit as low as 5.50%

Share Secured Loan

Loan Types Term APR
Share Secured Loan up to 48 mos. as low as 2.01%
Notices & Disclosures
Other rates and terms available. Please contact us for rates on vehicles not outlined above. Rates are based on your credit score and are subject to change. Rates will differ if you are a first-time buyer or require a co-signor. Membership eligibility requirements apply. Payment Example: A 72- month new or used vehicle loan of $30,000 with an interest rate of 4.49% and an Annual Percentage Rate of 4.636% would have monthly payments of $476.12
Offer may be canceled without notice. Membership and $5 deposit required. Approval subject to application, eligibility, credit and acceptable property (must be your primary residence, manufactured homes excluded; acceptable appraisal and title required; condos or townhouses eligible only if loan pays off all other mortgages and liens). Property insurance required. Flood insurance when required. Online appraisal typically used to determine home value. Not available for refinance or consolidation of existing MIDFLORIDA loans. Loan amounts from $10,000 to $500,000. Payment example: A 20-year fixed rate loan for $100,000 at 80% CLTV at 6.24% and an Annual Percentage Rate (APR) of 6.255% would have a monthly payment of $730.57, which includes principal and interest. Payment example does not include taxes and insurance premiums; the actual payment obligation will be greater. Not all homes will qualify to be mortgaged for more than their original purchase price. Other terms and conditions apply. See your loan officer for details.
“No Closing Costs” applies to eligible loan up to and including $500,000 on primary residence on platted lot less than ½ acre with a combined loan to value (CLTV) of 80% or less. Does not apply to purchase transactions. Appraisal, survey, title policy and other closing costs at borrower’s expense may be required on other loans. Costs subject to recapture within 36 months.
The variable Annual Percentage Rate (APR) may be 5.50% to 18.00%, depending on creditworthiness. Variable rate is based on the Wall Street Journal Prime Rate (5.50% as of 08/1/2022) and is subject to change quarterly. Maximum APR is 18.00%. $25 fee for advances less than $100. Bridge loans have origination fee of $500 or 0.5% of loan amount, whichever is greater.