At a glance
From its website, read 2 Nov 2026Priority Credit Union is a credit union based in Orlando, Florida. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 4 other loan types. Stated loan amounts run from $500 to $150,000. Where it lends: Orlando and Central Florida. Business loan rates stated on its site range from 8.99% to 17.99%. The consumer loan APR it states is 8.99%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (407) 425-2561 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.prioritycu.org |
| Office (official list) | 301 East Michigan Street, Orlando, FL 32806 |
What their website says about applying
To make the process easier, have these documents ready when you contact your local branch manager:
sourceSole Proprietor: Fictitious name certificate or occupational license
sourcePlease have the following documents available to ease the account sign-up process:
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 8.99% APR | Rates as low as 8.99% APR* | source |
| Credit-builder loans | Rate: 8.99% APR | Low, fixed rate of 8.99% APR* | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 12% interest rate | source |
| Small-business loans | Rate: 8.99%–17.99% | Visa® Platinum: 8.99% – 17.99% | source |
| Credit-builder loans | Term: 12 mo–2 yr | Flexible terms of 12 to 24 months | source |
| Personal / consumer loans | Term: see their wording | Loans up to $500-$2,500 with payback terms up to 18 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
no credit check required!
source - Membership required
Must be a member for 90 days
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | 837297 |
| Address | 301 East Michigan Street, Orlando, FL 32806 Directions (Google Maps) |
| Website | www.prioritycu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Mortgage products other than the HELOC are offered through partner AmeriCU Mortgage and are excluded. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you’re purchasing a new or used vehicle or refinancing your current auto loan, Priority Credit Union offers competitive rates, flexible terms, and an easy financing process. | source |
| Credit-builder loans | — | Helps establish or rebuild credit with on-time payments | source |
| Small-dollar / emergency loans | $500 – $2,500 | Loans up to $500-$2,500 with payback terms up to 18 months | source |
| Equipment loans | — | Business Secured Loan - For vehicles, tractors, equipment, machinery, and more | source |
| Home mortgages | — | Priority Credit Union offers a variety of Mortgages and Home Loans, including Home Equity Lines of Credit (HELOCs). | source |
| Personal / consumer loans | $500 – $5,000 | Amount You Can Borrow - Borrow from $500 up to $5,000. You pay the money back only when you use it. | source |
| Small-business loans | up to $12,000 | Business Unsecured Loans - Includes Business Lines of Credit (up to $12,000) | source |
Loan sizes
Loan amounts from $500 – $3,000
sourceAmount You Can Borrow - Borrow from $500 up to $5,000.
sourceBusiness Unsecured Loans - Includes Business Lines of Credit (up to $12,000)
sourceSpending limits from $10,000 up to $150,000 or more
source
Range used for the size filter: $500 to $150,000
Service area
Orlando and Central Florida
Whether you're looking for business loans in Orlando or anywhere else in Central Florida, Priority CU has you covered.
source
Counties this matches: Brevard County, FL, Orange County, FL
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online For A Loan
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.3 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,735,187 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,278,385 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as PRIORITY (charter 67319). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $56.1 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,398 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Florida (5 offices)
- Brevard County (1): 2305 Minton Rd, West Melbourne 32904
- Orange County (3): 301 E Michigan St, Orlando 32806 (main office); 10401 Post Office Blvd W, Orlando 32862; 15155 W Colonial Dr, Winter Garden 34787
- Seminole County (1): 800 Rinehart Rd, Lake Mary 32746
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Priority Credit Union (NCUA charter 67319, filed as “PRIORITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $44.6 million, 73,290 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.9% from $43.8 million on 30 Jun 2025 |
| Members | 4,398 (as of 30 Jun 2026); 4,616 (as of 30 Jun 2025) |
| Loans per member | $10,145 (total loans divided by members, 30 Jun 2026) |
| Total assets | $56.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $5.3 million | 12.0% |
| Used vehicle loans | $11.4 million | 25.6% |
| First-lien home mortgages (1-4 family) | $10.3 million | 23.2% |
| Other real estate loans (junior liens, other) | $6.4 million | 14.3% |
| Commercial (business) loans | $3.6 million | 8.0% |
| Credit cards | $1.7 million | 3.8% |
| Other unsecured loans | $5.3 million | 12.0% |
| Leases and other secured loans | $552,428 | 1.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $150,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 64% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $56.1 million | Larger than 0% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 80% | Median of the same 19 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $43.8 million → $44.6 million (+2%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 20 → 20. |
| Business loan rate its website stated (2 Nov 2026) | 8.99% to 17.99% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 1.99 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 64% |
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 0% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 20 → 20 of 20 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Prime rate: FRED DPRIME.
Other certified CDFIs in Orlando and Florida
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- Florida Community Loan FundLoan fund · Orlando, FLAffordable housing development loans, Nonprofit / community facility loansVerified
- Orlando Credit UnionCredit union · Orlando, FLOfficial list only
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
Work at Priority Credit Union? Link to this page
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