Welcome Home!

Welcome to our mortgage loan center for easy pre-qualification, custom rate, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed for  prequalification.

  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service and competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 850-474-0970.

Available Loan Types


We offer dozens of different loan types* to fit your unique needs including Conventional, FHA, VA, USDA, Jumbo, Low Down Payment, First Time Buyer and Cash-out Refinance, as well as Fixed and Adjustable terms to 30 years.

*Additional restrictions may apply

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Mission Statement

We will serve the needs of our members beyond their expectations.


Vision Statement

To be the community credit union of choice, providing financial opportunities that last a lifetime. 

 
Our History

Central Credit Union of Florida started as West Florida Central Credit Union in 1962.  For more than 50 years, CCUFL has shown what a credit union really is... people helping people.  CCUFL has strived to be a community credit union by incorporating the membership and values of the credit unions that have come together to form Central Credit Union.

CCUFL's field of membership now includes anyone living, working, or attending school in Escambia, Santa Rosa, Okaloosa, Bay, Walton, Washington, and Duval counties in Florida, bringing our assets to more than $153 million and our membership to more than 15,430.

Central Credit Union has achieved a 5-star rating from Bauer Financial since 1995 and won the Pensacola News Journal Best of the Bay credit union category in 2014 and received nominations as finalists in 2015 and 2017. 

To see our complete history, visit the history page of Central Credit Union of Florida.

Ready to Get Started?

 

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Calculators

Being experts in this industry, we hear a lot of different questions regarding payments, affordability and more. Below you will find a list of some of the best calculators to help you estimate the cost of your homebuying process and ensure you are applying with confidence.

Calculators made available for independent use only. We cannot guarantee their accuracy or their ability to apply to your current financial situation. We recommend you seek advice from qualified professionals regarding your finances.

 

Contact Us

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, contact us today.

Ready to Get Started?

 

Apply Now

 

Central Credit Union of Florida (NMLS 729868) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.   |   Privacy Policy