floridacentral Credit Union is headquartered in Tampa and is the 35th largest credit union in the state of Florida. It is also the 664th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 118 employees and 42,774 members at 13 locations. floridacentral Credit Union has a B health rating.
Field of Membership Restrictions
Membership in floridacentral Credit Union is open to individuals who live, work, or worship in the Florida counties of Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota, as well as the employees of the Credit Union's affiliated partner companies. Immediate family of current credit union members also qualify for membership, provided they live in Florida.
See current membership details
Love Them! Lakeland Branch
My husband and I have been using this bank for years and love the staff and overall small town feel they give out. They welcome us by name, ask about our family, and just genuinely care about their clients. Both of our boys have accounts there too. If you want to feel like a person and not just an account number, bank here!
CD Renewal Experience
In September I had a CD with Ally mature. I received an email well ahead of the date and asking for instructions. I have another with BMO Alto in November and have a reminder. Today I had a 19 month 'special' CD paying just under 5% mature with Florida Central. Nothing! I saw this morning that they had renewed my CD without notice at 0.26%. I closed the account. Presumably FC just wanted to keep my deposit and pay peanuts hoping I did not notice. I've closed everything with them. Other depositors - BEWARE!!!
ABSOLUTELY THE WORST FINANCIAL INSTITUTION
BEWARE BEWARE!!!! If you actually want to use your own money THIS IS NOT the bank for you. I have had an account here for 2 years AND my card gets declined once or twice a week. I had $30k in my account and I can't even purchase a tank of gas or order things on my own Amazon account. I'm not sure what kind of unsavory crap is going on there BUT once you deposit your money GOOD LUCK getting it back.
Absolutely Horrible Unfriendly Service
I had just opened a new checking and savings. They made a few mistakes, which was fine, but I after having spoken to three different people at the bank I noticed as to how unfriendly, nasty and incompetent they all were. The nastiness just made me feel sick inside. There is no way on earth that I will bank with such a nasty, miserable place. I told them to close the account. I don't want it. I would never bank here if I were you.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67668 |
| Year Chartered | 1954 |
| Employees | 118 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.26% |
| Return on Equity - YTD | 8.9% |
| Annual Interest Income | $6.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $618MM$599.4MM |
| Loans | Q1 2025vs Q1 2024 | $390.2MM$385MM |
| Deposits | Q1 2025vs Q1 2024 | $591.1MM$579.6MM |
| Equity Capital | Q1 2025vs Q1 2024 | $18MM$12.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.2MM$2.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.9MM$1.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
