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floridacentral Credit Union

Popular Accounts at this Credit Union

2.25%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 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 March of 2018, it had grown to 120 employees and 54,459 members at 12 locations. floridacentral Credit Union's CD rates are 18% 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.
See current membership details

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Reviews (7)

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.

Wrong Information

My sister wanted to stop paying to a former payee who was charging her acct. (ACH) at this CU. The teller assured us that the payee would be cancelled, not just the 1 payment.
Guess what, she paid $32 and they still paid this payee when a charge came through, for even more than the usual amount.
So I she is out $100, and they say there is nothing they can do about it. (She should read the fine print)
Before she left they offered her Half her fee.
This account will be closed so the problem won't happen again.

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 - YTD0.76%
Return on Equity - YTD9.66%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$466.7MM$455.4MM
LoansQ1 2018vs Q1 2017$342.5MM$338.8MM
DepositsQ1 2018vs Q1 2017$425.8MM$418.6MM
Equity CapitalQ1 2018vs Q1 2017$36.1MM$33.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.5MM$3.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.2MM$1.8MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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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+
0.21%--IRA Savings
0.05%--Christmas Club
0.05%--Value Savings

floridacentral Credit Union Money Market Rates

0.36%*$50k*-Money Market
OTHER TIERS: 0.16% $2,500 - $25k | 0.26% $25k - $50k

floridacentral Credit Union Checking Account Rates

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

2.50%$5k-30 Month Promotional CD
2.02%$500-18 Month Promotional CD
1.81%$500-60 Month 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
0.36%$500-6 Month CD

floridacentral Credit Union IRA Rates

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
0.36%--6 Month IRA


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