The Florida Credit Union All Credit Levels is a cdfi lender from Florida Credit Union. The annual fee is $0. The ongoing APR is 3.99% - 5.521% after a 3.99% introductory rate for 6 months. Rewards: earn up to $400 when you refinance your auto loan from another lender. This product reports activity to your personal credit report. Florida Credit Union (FCU) is a member-owned financial institution based in Gainesville, FL, serving members since 1954 with a focus on providing efficient and convenient financial services. FCU aims to meet the everyday and long-term financial needs of its members and communities in Florida. Services include: auto loans, home loans, personal loans, business loans. US Treasury certified CDFI Credit Union in Gainesville, FL. Membership required.