Featured Savings Rates
Featured Accounts

floridacentral Credit Union

Popular Accounts at this Credit Union

3.25%Reward CheckingUltimate Checking
1.00%Reward SavingsKasasa Saver
1.81%5-year CD60 Month CD

Overview / Commentary
3333 Henderson Blvd
Tampa, FL 33609-2955

floridacentral Credit Union is headquartered in Tampa and is the 33rd largest credit union in the state of Florida. It is also the 578th largest credit union in the nation. It was established in 1954 and as of December of 2015, it had grown to 124 employees and 51,901 members at 12 locations. floridacentral Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

FloridaCentral Credit Union of Tampa is open to the residents and the people that maintain employment within these qualified locations: Pasco, Hillsborough, Pinellas, Polk, Manatee, Sarasota, DeSoto, Charlotte, Orange, and Lake, as well as the employees of the credit union affiliated partner companies throughout the area, and the family members of current credit union members that live within the state of Florida.
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Reviews (3)

Great Credit Union

Posted by: jshores04 | Nov 17, 2014

I have been with this credit union for 5 years now. They are fantastic. Any issues I have ever had have been handled right away either over the phone or in person at the local branch. They only complaint I have is my debit card was deactivated because of the Home Depot security breach. I know this was not the credit unions fault but their policy of getting a replacement card was ridiculous. I had to first deactivate my original card then wait 5-10 business day to receive my new one! This has left me without a way a paying for anything for 2 weeks!

This Bank Will Steal Money From Your Account

Posted by: Mathew | Jan 27, 2016

This bank is awful, they literally stole money out of my account. I got charged 3 separate insufficient funds fees for one transaction that was not even my fault totaling $96.00 which they refused to refund and claimed it wasn't their fault or problem. After entering my bank account info to pay my credit card they used my savings not my checking, even though I entered it correctly. There was plenty of money in my account in to cover the transaction. Then after being threatened by a branch manager, they closed my account and kept what money was left in the account. This bank is a bunch of thieves. Not to mention absolutely the worst customer service out there, with zero regard for their customers, at best there is always a 30 minute wait to speak to someone in the customer service dept. The banks are horribly understaffed, the bankers are largely incompetent and give false information to customers. They also make you call in and speak with a rep. for any refunds on your credit/debit card otherwise the money will never go back into your account; even then it takes up to 2 weeks to get the money when refunded. Wells fargo, Bank America and Chase are much better to deal with and the customers service actually answers the phone and takes care of their customers. I would highly advise anyone to stay away from this bank unless you want money stolen from you.

Lower Untimate Reward Checking Account Interest Rate

Posted by: Anonymous | Apr 8, 2011

On January 31, 2011 FCCU board approved lowering the interest rate for Ultimate reward checking account to 3.51%APY for up to $15K. To receive 4.50%APY interest rate, members now have to have at least a $5K loan with FCCU. FCCU did not notify members of this change, have not updated their brochures for this product, and have only printed a small addendum of the rate to include with new member packets, and have hidden the change in requirements in their website so that it still appears that the qualifications for the 4.50% APY interest rate have not changed. I don't take issue with the interest rate, but with the way it was NOT communicated to current and even new members. The advertising continues to be very deceptive.


Health Grade Components

NCUA #67668
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.45%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$413.8MM$391.0MM
LoansQ4 2015vs Q4 2014$280.6MM$272.7MM
DepositsQ4 2015vs Q4 2014$374.6MM$350.1MM
Equity CapitalQ4 2015vs Q4 2014$36.3MM$38.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.8MM$1.9MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$3.8MM$2.7MM
Real Estate OwnedQ4 2015vs Q4 2014$135.00K$60.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

floridacentral Credit Union Savings Account Rates

1.00%*-$15kKasasa Saver
OTHER TIERS: 0.50% $15k+
0.31%--IRA Savings
0.31%--Roth IRA Savings
0.10%--Christmas Club
0.10%--Value Savings

floridacentral Credit Union Money Market Rates

0.36%*$50k*-Money Market
OTHER TIERS: 0.26% $2,500 - $50k

floridacentral Credit Union Checking Account Rates

3.25%*-$5kUltimate Checking - Qualifying with loan
OTHER TIERS: 0.10% $10k+ | 1.00% $5k - $10k
2.00%*-$15kKasasa Cash
OTHER TIERS: 0.50% $15k+
1.75%*-$5kUltimate Checking - Qualifying w/o loan
OTHER TIERS: 0.10% $10k+ | 1.00% $5k - $10k

floridacentral Credit Union CD Rates

1.81%$500-60 Month CD
1.61%$500-48 Month CD
1.31%$500-36 Month CD
1.06%$500-24 Month CD
0.66%$500-12 Month CD
0.36%$500-6 Month CD

floridacentral Credit Union IRA Rates

1.81%--60 Month IRA
1.61%--48 Month IRA
1.31%--36 Month IRA
1.06%--24 Month IRA
0.66%--12 Month IRA
0.36%--6 Month IRA

floridacentral Credit Union has 12 locations. Click to view all floridacentral Credit Union locations.