The Florida Credit Union is a auto loan from Florida Credit Union. The ongoing APR is Boat: as low as 6.680% APR (Model 2019 and newer, 144 months) to 8.538% APR (Model 2018 and older, 144 months); minimum APR 6.680% - maximum APR 17.000% (rates accurate as of 02/05/2026). Loan terms: 144 months (minimum $10,000 loan) or 180 months (minimum $25,000 loan).