floridacentral Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingUltimate Checking
1.00%Reward SavingsKasasa Saver
1.81%5-year CD60 Month CD

Overview / Commentary
813-879-3333
3333 Henderson Blvd
Tampa, FL 33609-2955

floridacentral Credit Union is headquartered in Tampa and is the 34th largest credit union in the state of Florida. It is also the 587th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 117 employees and 54,255 members at 12 locations. floridacentral Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in floridacentral Credit Union is open 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 members of current floridacentral Credit Union members also qualify for membership, provided they live in Florida.
See current membership details

Related Posts

floridacentral Credit Union Adds 15-month CD, 4.07% APY ($50k+) - 9/21/2018

floridacentral Credit Union has added a 15-month Promotion CD: 3.56% APY ($25k+) and 4.07% APY ($50k+). New money is required. Also available as an IRA.

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Reviews (4)

For the People

Posted by: joewing0 | Jan 21, 2017

This credit union, Florida Central, has excellent customer service, interest bearing checking accounts and Money Markets, CD'[s and IRA['s available. I currently have one checking account and two savings accounts. The checking account is free.
When I go to this institution I am always greeted with smiles and enthusiasm and usually by my first name. If I withdraw or deposit money I am always questioned on which account I would like the transfer to be with. The tellers are usually in good moods and can handle transfers in an efficient and error-free manner. If I forget my bank card, my name and sometimes social security number is questioned. I am also asked to show identification. When I do have a financially-related question, there is always a banker that will take the time to sit down and fully answer any questions I may have. There is usually not more than a 10 minute wait to speak with a banker.
Overall this credit union provides personalized and professional service and has checking and savings accounts that are not only free but pay more interest than an average money market or certificate of deposit ( at least with the amount of money I have to invest). I would highly recommend this financial institution to all.

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!

Poor Policies

This credit union has some non customer-friendly policies. Today I went to their ATM and the machine said my card had been deactivated. I went inside to ask about the issue and was told my card was deactivated because I hadn't used it in 120 days. Fine. (I rarely use cash.) I asked to reactivate the card and was told "no." If I wanted an new ATM card they'd have to send me a one, which was fine with me. But . . . they would charge me $15 for the new card.

Their web site is not user-friendly either.

On the plus side, the tellers and other customer service reps are always friendly and helpful. But overall this credit union is not a good place to do business.

Bank Will Hit You Hard With Charges

Posted by: tdfam2 | Oct 30, 2016

This bank is notorious for charging ridiculous fees. Especially insufficient fund fees which they will repeatedly charge you $32 per item after your funds are not enough to cover charge. For example, you have $100 in you account and a credit card bill comesin for $110. You will get charges $32 insufficient fund fee. They will not notify you of this and the next day will repeat charge attempt for $110 and you will get another $32 nsf fee. With most credit cards they will try three times so If you do not check your account daily you could wind up paying $96 in fees for not having enough for for charge. If numerous charges come in at the same time, you could end up paying several hundred dollars in fees. Grow financial credit union is also bad like this.



Health
B+

Health Grade Components

Overall
NCUA #67668
Year Chartered1954
Employees117
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD6.14%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$467.1MM$455.1MM
LoansQ2 2018vs Q2 2017$350.5MM$340.9MM
DepositsQ2 2018vs Q2 2017$425.2MM$417.0MM
Equity CapitalQ2 2018vs Q2 2017$36.3MM$34.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.5MM$3.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.7MM$1.9MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not floridacentral Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$15kKasasa Saver
OTHER TIERS: 0.50% $15k+
0.21%--IRA Savings
0.05%--Christmas Club
0.05%--Value Savings

floridacentral Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$50k*-Money Market
OTHER TIERS: 1.00% $2.5k - $25k | 1.50% $25k - $50k

floridacentral Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$5kUltimate Checking - Qualifying with loan
OTHER TIERS: 0.10% $10k+ | 1.00% $5k - $10k
1.50%*-$15kKasasa Cash
OTHER TIERS: 0.50% $15k+
1.25%*-$5kUltimate Checking - Qualifying w/o loan
OTHER TIERS: 0.10% $10k+ | 0.50% $5k - $10k

floridacentral Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$5k-30 Month Promotional CD
2.27%$1k-18 Month Promotional CD
1.81%$500-60 Month CD
1.75%$5k-13 Month Promotional CD
1.61%$500-48 Month CD
1.31%$500-36 Month CD
1.26%$500-24 Month CD
1.06%$500-12 Month CD
0.76%$500-6 Month CD

floridacentral Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$5k-30 Month Promotional IRA
1.81%--60 Month IRA
1.61%--48 Month IRA
1.31%--36 Month IRA
1.26%--24 Month IRA
1.06%--12 Month IRA
0.76%--6 Month IRA
Locations

Availability

Tampa Area

Interactive local rates map


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