Mortgage Rates in Florida
Compare local 30-year fixed, first-mortgage rates from credit unions in Florida. Today's best rate: 5.826% APR. Zero affiliate bias - rates ranked by true cost.
Quick answer: As of August 2026, 30-year fixed mortgage rates from credit unions in Florida range from 5.826% to 7.451% APR, with a median of 6.704% APR across 20 institutions. The lowest rate currently comes from Fairwinds. Rates below are ranked by true cost with no affiliate bias.
Florida mortgage rates range from 5.826% to 7.451% APR for 30-year fixed loans. Data from 110 credit unions, updated August 2026.
Source: RateAPI.dev
Top Florida Credit Unions for Mortgages
Ranked by lowest APR. Based on a $400,000 loan over 30 years.
| Credit Union | Rate | APR | Est. Payment | |
|---|---|---|---|---|
Publix Employees Credit Union 30YR FIXED | 5.93% | 5.93% | $2,380/mo | Visit Site |
Floridacentral Credit Union 30-Year Fixed | 5.99% | 5.99% | $2,396/mo | Visit Site |
Usf Federal Credit Union 30-Year Fixed | 6.375% | 6.375% | $2,495/mo | Visit Site |
Guardians Credit Union 30-Year Fixed | 6.25% | 6.409% | $2,504/mo | Visit Site |
Florida A & M University Credit Union 30-Year Fixed | 6% | 6.254% | $2,464/mo | Visit Site |
15-Year Fixed Rates in Florida
How to Get the Best Mortgage Rate in Florida
Credit unions in Florida often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates:
Check Your Credit Score
Scores above 740 typically qualify for the best rates. Most credit unions require a minimum of 620-680 for mortgages.
Join a Credit Union
Many Florida credit unions have flexible membership requirements. Some are open to anyone who lives, works, or worships in the area.
Compare Multiple Lenders
Even a 0.25% difference in APR can save you thousands over the life of your loan. Compare at least 3-5 lenders.
Consider Points
Paying points upfront can lower your rate. This makes sense if you plan to stay in your home long-term.
Frequently Asked Questions
Common questions about mortgage rates in Florida
As of August 2026, 30-year fixed mortgage rates in Florida range from 5.826% to 7.451% APR across credit unions. The median rate is 6.704% APR.
To get the best mortgage rate in Florida: 1) Compare rates from multiple credit unions (they often beat bank rates by 0.25-0.50%), 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact.
Yes, credit unions in Florida typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years.
For the best mortgage rates in Florida, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Each credit union has different requirements, so compare options even with lower scores.
RateAPI updates credit union mortgage rates for Florida daily by scraping lender websites directly. The rates on this page reflect the most recent collection, last refreshed in August 2026.
Yes. RateAPI provides daily-updated Florida mortgage rates through a REST API and MCP server, so fintech apps, comparison sites, and AI agents can query credit union rates programmatically. See the methodology page for how rates are collected and ranked.
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