floridacentral Credit Union

Overview / Commentary
3333 Henderson Blvd
Tampa, FL 33609

floridacentral Credit Union is headquartered in Tampa and is the 35th largest credit union in the state of Florida. It is also the 642nd largest credit union in the nation. It was established in 1954 and as of September of 2022, it had grown to 123 employees and 50,070 members at 13 locations. floridacentral Credit Union has a C 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

Reviews (6)

Love Them! Lakeland Branch

Posted by: |

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!

For the People

Posted by: |

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: |

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!

Absolutely Horrible Unfriendly Service

Posted by: |

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.

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: |

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 Grade Components

NCUA #67668
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD22.84%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$602.0MM$612.0MM
LoansQ3 2022vs Q3 2021$390.8MM$302.1MM
DepositsQ3 2022vs Q3 2021$588.7MM$572.7MM
Equity CapitalQ3 2022vs Q3 2021$8.0MM$35.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.4MM$1.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$2.0MM$818.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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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

0.21%--IRA Savings
0.10%-$10kKasasa Saver
0.05%$5-Christmas Club
0.05%--Value Savings

floridacentral Credit Union Money Market Rates

0.01%$2.5k-Money Market

floridacentral Credit Union Checking Account Rates

1.00%*-$10kUltimate Checking - Qualifying w/ loan
OTHER TIERS: 0.04% $10k+
0.25%*-$10kUltimate Checking - Qualifying w/o loan
OTHER TIERS: 0.04% $10k+
0.25%-$10kKasasa Cash

floridacentral Credit Union CD Rates

4.00%$5k-9 Month CD Special - New Money
2.85%$5k$250k5 Year Bump Up CD Special
2.75%$500-24 Month CD
0.46%$500-60 Month CD
0.41%$500-48 Month CD
0.36%$500-36 Month CD
0.26%$500-18 Month CD
0.21%$500-12 Month CD
0.16%$500-6 Month CD

floridacentral Credit Union IRA Rates

4.00%$5k-9 Month IRA Special - New Money
2.85%$5k-5 Year Bump Up IRA Special
2.75%$500-24 Month IRA
0.46%$500-60 Month IRA
0.41%$500-48 Month IRA
0.36%$500-36 Month IRA
0.26%$500-18 Month IRA
0.21%$500-12 Month IRA
0.16%$500-6 Month IRA


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