Loan Services
Check Out Our Consumer Loans
When you or a family member need to borrow money for any reason, we are here to help you. Apply for one of our consumer loan products that best suits your needs. All loans are subject to credit approval.
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Automobile/Truck Loans
- Recreation Loans
- Line of Credit Loans
- Signature Loans
- Savings or Term Certificate Secured Loans
- Special Home Improvement Loans
- Special Purpose Loans
If you're car or truck shopping, view more information on Vehicle Buying.
Recreation Loans
If you're looking for a boat, motor home, travel trailer or any other recreational vehicle, we have a variety of terms and repayment schedules available on both new and used.
Line of Credit Loans
Our Line of Credit loans give you access to extra funds when you need them. Once approved, you can borrow up to your authorized limit and use these funds for whatever you like. You can borrow against the available balance as often as you like or use your line of credit for overdraft protection. If, at any time, you overdraw your checking account, we will automatically transfer funds to your checking account for free.
Signature Loans
You can borrow up to $5,000 to be used for a vacation, debt consolidation or anything else you might need. We have competitive rates and flexible terms up to 60 months.
Share Savings/Term Certificate Secured Loans
You can borrow against your available share balance or up to the maximum amount in your term certificate at a much lower rate when you pledge your share savings or term certificate for this type of loan. Your money will continue to earn dividends while serving as collateral for your loan.
Special Home Improvement Loans
For small repairs or improvements to your home, this loan might be the right thing for you. You can borrow up to $5,000 with a repayment schedule of up to 60 months.
Special Purpose Loans
The purpose of this loan is to provide purchase money for items like computers, appliances, furniture or other major purchases. Maximum term of 48 months.
The Credit Union offers credit life and credit disability on all of our loan products with the exception of some of our mortgage loans.
Check out our loan rates and then apply for a loan online!
Mortgage Program
Are you looking for a home or wanting to refinance your existing mortgage? Do you want to take out some equity in your existing mortgage for home improvements or college expenses? Here at Florida State Employees Federal Credit Union, we offer several fixed rate and adjustable rate mortgage programs to suit your needs.
These include the following:
Fixed Rate Mortgage Program
- A 15-year fixed rate mortgage loan for owner-occupied residence on a purchase or refinance.
- A three-year mortgage loan with a balloon at the 36th payment. Payments are figured using a 20-year amortization schedule. At the end of the term, the loan may be refinanced at the market rate current at that time.
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A five-year mortgage loan with a balloon at the 60th payment. Payments are figured using a 20-year amortization schedule. At the end of the term, the loan may be refinanced at the market rate current at that time. - First mortgage loans on unimproved property to be repaid within 10 years.
- A fixed rate "No Closing Cost" Home Equity loan. Good for home improvements, bill consolidation, education, etc. Five- or 10-year fixed rate mortgage, minimum loan $5,000; maximum loan $30,000.
- Mortgage loans with longer terms are offered through CU Members Mortgage to all our Credit Union Members. They offer a telephone application service for your convenience day or evening. Just call 1-800-635-7128 for pre-qualification.
Adjustable Rate Mortgage Program
- Adjustable rate on first mortgages to be repaid within 20 years. Rate is based on an index value. Index is the average rate on 26-week T-Bills for the previous calendar quarter.
- The Home Equity Line of Credit or second mortgage (ELOC) has a minimum line of $5,000. The sum of the ELOC and the first mortgage (if any) may not exceed 80% of the appraised value. Rate is based on an index value. Index is the average rate on 26-week T-Bills for the previous calendar quarter.
- Mortgage loan applications are not available online. Please call or e-mail us for detailed and current rates.
Visa Credit Card 
Consolidate all your higher-interest credit cards into one of Florida State Employee FCU's regular low-rate cards.
Click here to apply for a Visa credit card online.
Florida State Employees Federal Credit Union1645 E Nine Mile Road | P.O. Box 11003 | Pensacola, FL 32524
Phone: 850-474-1400 | Toll Free: 888-438-5579
Fax: 850-474-8961 | Contact Us
