floridacentral Credit Union is headquartered in Tampa and is the 34th largest credit union in the state of Florida. It is also the 668th largest credit union in the nation. It was established in 1954 and as of June of 2024, it had grown to 124 employees and 45,841 members at 13 locations. floridacentral Credit Union's money market rates are 3X the national average, and it 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!
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 Q2 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67668 |
| Year Chartered | 1954 |
| Employees | 124 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.1% |
| Return on Equity - YTD | 4.74% |
| Annual Interest Income | $12.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $600MM$570.7MM |
| Loans | Q2 2024vs Q2 2023 | $392.8MM$390.9MM |
| Deposits | Q2 2024vs Q2 2023 | $578.8MM$553.9MM |
| Equity Capital | Q2 2024vs Q2 2023 | $12.7MM$10.3MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $2.4MM$2.2MM |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $2.4MM$2.4MM |
| Real Estate Owned | Q2 2024vs Q2 2023 | $0$0 |
