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Back-to-school season comes with a long list—supplies, tech, tuition, and more. Whether you’re stocking up for kindergarten or preparing for a college semester, a personal loan from Florida Credit Union can help you handle it all with confidence.
At FCU, we offer flexible funding that fits your life. Our personal loans come with low fixed rates1, no prepayment penalties, and terms up to 60 months2—so you can check off your list without checking your wallet twice.
Cover costs like:
- School supplies, uniforms, and backpacks
- Laptops, dorm gear, and books
- Tuition, transportation, and extracurriculars
- Emergency expenses or unexpected fees
With no collateral required and quick access to funds, it’s back-to-school support made simple.
Apply today at flcu.org/personal-loans or stop by your local branch. We’re here to help you and your student start the school year strong!
1. Subject to credit approval. The specific rate and term will be dependent upon your credit rating. 2. APR = Annual Percentage Rate. Minimum interest rate: 10.00% - Maximum interest rate: 14.25%. Payment for example a 60-month loan of $5,000 with an interest rate of 10.00% will have an APR of 10.00%, 60 payments of $106.33, and total finance charges of $1,380.08 for a total payment of $6,380.08. Minimum loan amount $3,001 - Maximum loan amount $50,000. Rate may vary based on the selection of auxiliary products. Rates accurate as of 06/01/2025 and subject to change at any time.
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There’s still time to soak up the sunshine and the rewards. As summer winds down, your everyday purchases can help you earn even more with your FCU Visa® rewards card.
Now through September 2, use your Wave Rewards, Platinum Rewards, Platinum Wave, or Select™ Visa Signature® card, and watch your points multiply!
Use your card and unlock up to 5x points3: - 10+ purchases = 3X points
- 15+ purchases = 4X points
- 20+ purchases = 5X points
No sign-up needed. Just shop, tap, and earn!
Use your FCU credit card to finish summer strong and turn your everyday spending into rewards you’ll actually enjoy.
Curious what your points can unlock? Head to flcu.org/RewardsHQ to turn them into something special. 3. Offer valid for Wave Rewards, Platinum Rewards, Platinum Wave, and Select™ Visa Signature® cardholders from July 1 through September 2, 2025. Business credit cards are excluded. Maximum bonus award per account is 15,000 points (equivalent to $150). Bonus points will be posted to cardholder accounts within 4–6 weeks after the promotion ends. Promotional 3x, 4x, and 5x points earning rates are not in addition to your standard points rate. Promotional earning rates represent an upgraded earning rate that replaces your card’s regular points rate for qualifying purchases during the promotional period. For example, if your card normally earns 2x points on certain purchases and you qualify for 4x points during the promotion, you will earn 4x, not 6x, for those purchases. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the credit card agreements. Visit flcu.org/RewardsHQ for full terms and agreement details.
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As students head back to class, local businesses are gearing up too—and FCU is here to help you earn top marks this fall. Whether you’re managing seasonal shifts or planning long-term growth, our Business Services team has the tools and support to move you forward. We offer: - Business Checking & Savings
- Commercial Loans & Lines of Credit4
- Payroll and Merchant Services
- Personalized, local guidance every step of the way
At Florida Credit Union, we’re more than your credit union—we’re your business partner. Let’s build something great, together.
4. Subject to credit approval
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Get ready, Gator fans—Florida Credit Union’s Pet of the Game contest is returning August 13!
Enter a photo of your pet for a chance to win our weekly prizes! Each weekly winner will receive a $50 UF Bookstore gift card, radio recognition, two tickets and hospitality to the Florida State game on November 29, AND a shot to win $500 in grand prizes as our Pet of the Year.
FCU is a Proud Partner of the Florida Gators®
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As the school year kicks off, we’re celebrating the amazing teachers in our communities. From staying late to inspiring young minds, educators go above and beyond every day, and we’re proud to call many of them FCU members. To show our appreciation, teachers are eligible for the FCU Local Heroes™ program, which includes a $575 lender credit5 when applying for a first mortgage. It’s one small way we say thank you and help you move closer to homeownership. 5. “FCU Local Heroes™” lender credit program: Available to first responders, teachers, licensed medical professionals, and military personnel (active and veterans) for a purchase or no-cash back refinance, first portfolio and FNMA mortgage applications. Brokered loans are not eligible. This program offers a credit at closing of $575. Eligibility requirements apply. This offer is subject to change without notice. Other terms and conditions may apply. Available for new applications submitted on 01/01/2025 and forward.
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Love FCU? Leave us a Review! If you received excellent service or want to give your favorite employee a shout-out, please leave a review on Google or Facebook for your local FCU branch!
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The information contained in this email (the “Content”) is provided for informational and educational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Content is not intended to be and does not constitute financial, investment, tax or accounting advice or a solicitation to buy or sell securities. The Content is necessarily general in nature and is not specific to you or anyone else. YOU SHOULD CONSULT YOUR OWN INVESTMENT, TAX OR ACCOUNTING ADVISORS BEFORE IMPLEMENTING ANY ADVICE INCLUDED IN THE CONTENT. By viewing or utilizing the Content, you agree that you will not hold Marquis Software Solutions, Inc., Florida Credit Union or their affiliates or agents responsible for loss or damages resulting from the Content.
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