Make memory


With a FiCare Loan!

Your BayCare employee credit union offers a wide array of loans to help you maximize your summer fun and make lasting memories! We make borrowing at your credit union a comfortable and pleasant experience with easy-to-complete applications, fast service, competitive rates, and convenient repayment schedules.



Are you paying the best rate on your loans? Refinancing your car, boat, motorcycle, and/or recreational vehicle with FiCare can help you achieve your financial goals. What can refinancing do for you?
  • Save hundreds, or even thousands, of dollars in finance charges over the life of the loan with a lower interest rate
  • Lower your monthly payments
  • Pay off your loan faster

Consolidate to Save

Do you carry balances on high interest credit cards? Would you like to turn several monthly bills into one manageable monthly payment? You may benefit from a FiCare consolidation loan. Consolidate credit cards, high interest loans, medical bills, and more into one convenient monthly payment.


Auto Loans – Our competitive, low rates and commitment to beating competitors’ auto loan rates means you will save by financing your auto at FiCare. Go there

First Mortgages – We have partnered with AmeriCU Mortgage to ensure all your mortgage needs are covered. Loan programs include conventional, VA, FHA, first-time homebuyer programs, renovation loans, USDA Rural loans, refinances, and more! Click here to apply. Go there

Loan Specials – Borrow money for vacations or holidays at specified times throughout the year. Generally, these loans are offered at a lower interest rate than standard personal loans, making them a great, money-savings option. Go there

Personal Loans– There are so many worthwhile reasons to borrow a personal loan from your credit union. You could consolidate higher-interest debt, pay for car or home repairs, finance a big purchase, pay for a special occasion, such as a wedding, and more. Go there

Motorcycle Loans – Dreaming of owning a motorcycle? We can finance a new or used Harley-Davidson, Yamaha, Kawasaki, and more. You could also save by refinancing with FiCare for a better interest rate. Go there

Boat Loans – Set sail this summer with a FiCare boat loans. We will make purchasing your new or used boat a breeze. Go there

Recreational Vehicle & Travel Trailers – Hit the road with an RV loan from your credit union. Choose our competitive rate loan options to purchase or refinance your recreational vehicle or travel trailer. Click here to apply. Go there


All members approved for loans are encouraged to purchase available protection features, such as Guaranteed Asset Protection (GAP), Credit Protection, and an Auto Extended Warranty.

Guaranteed Asset Protection (GAP) protects you against sudden out of pocket expense if your vehicle is totaled or stolen. It pays the gap between what your vehicle insurance will pay and what you still owe on your loan.

Credit Protection Insurance makes your loan payments when you cannot. It protects your family and finances against the unexpected, giving you peace of mind and security.

A Route 66 Extended Warranty protects you against the financial burden of major mechanical expenses. This protection feature requires no deductible and offers nationwide coverage for maximum convenience.

Get started today! For more information about our loan options and protection features, contact a loan officer by calling 813-870-4360 or email us at

NOTE: Applicants must be in the credit union’s field of membership and must establish membership to be eligible. Loans are subject to credit approval based upon applicant’s conformity to standard credit union approval guidelines.

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