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Overview / Commentary
352-377-4141
1615 NW 80th Blvd
Gainesville, FL 32606

Florida Credit Union is headquartered in Gainesville and is the 18th largest credit union in the state of Florida. It is also the 324th largest credit union in the nation. It was established in 1954 and as of March of 2016, it had grown to 231 employees and 80,572 members at 10 locations. Florida Credit Union has an A health rating.

Field of Membership Restrictions

Florida Credit Union of Gainsville is open to the residents and the people that maintain employment within the 27 qualified counties of North and Central Florida that are listed on the credit union website.
See current membership details

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3 Competitive CD Specials at Florida Credit Union - 11/13/2015

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Reviews (2)

Stay Away From FCU For Loans And Mortgages

Posted by: Piter | Sep 30, 2014

I'm sorry i couldn't give them less but i would like to.
Applied for mortgage 12 days ago nobody returned phone call neither i can contact somebody in the bank. Everybody keep's giving me 800-284-1144 Ext. 5206 or 4058. I got Pitter Kelly voicemail like 18 times. I left him messages and for 5 days i didnt received any call back.
Communication is terrible there and nobody knows who is working on what. There is no way you can get somebody on the phone about your mortgage unless they give you a call after 12 days.

Skip this bank and dont get involve with them. At the end the had even the application wrong. I got so upset i canceled the process right away.

Customer Service

Posted by: Anonymous | Sep 6, 2012

The tellers are always friendly, but when I spoke with a lady about opening up a credit card I felt like she was rushing me and not allowing me to feel like I was welcome. The options are crappy and the customer service was awful. I would consider taking it to corporate matters, but who knows, the lady could have been having a bad day.. she didn't even smile and she was very unhelpful when I asked her to compare options for me.

I switched to Wells Fargo today because of the issue. Overall Florida credit union is the crapiest bank I've ever dealt with.

-sincerely, upset customer



Health
A

Health Grade Components

Overall
NCUA #60497
Year Chartered1954
Employees231
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD12.01%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$801.1MM$686.5MM
LoansQ1 2016vs Q1 2015$652.5MM$552.8MM
DepositsQ1 2016vs Q1 2015$695.6MM$594.7MM
Equity CapitalQ1 2016vs Q1 2015$78.7MM$70.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$6.8MM$7.6MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.7MM$4.5MM
Real Estate OwnedQ1 2016vs Q1 2015$961.00K$2.1MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Florida 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.

Florida Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--IRA Savings
0.40%--Roth IRA Savings
0.10%--Regular Savings
0.10%--Special Savings
0.10%--Youth Savings
0.10%--Vacation Club Savings
0.10%--Holiday Club Savings

Florida Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Business Money Market Account
OTHER TIERS: 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $40k | 0.45% $40k - $100k
0.40%*$100k*-Smart Money Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $40k | 0.30% $40k - $100k
0.40%*$100k*-Smart Link Money Account
OTHER TIERS: 0.30% $50k - $100k
0.40%*$100k*-Smart Value Money Account
OTHER TIERS: 0.30% $65k - $100k
0.15%$10k-Super Money Market Checking Account

Florida Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$100k-Business Platinum Checking
0.50%$50k-Business Gold Checking
0.40%$25k-Business Silver Checking
0.25%$25k-Pinnacle Checking
0.25%$10k-Business Premium Checking
0.15%$5k-Business Plus Checking
0.01%$1k-Checking Plus
0.01%$2,500-Super Service

Florida Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.48%$2k-60 Month CD
1.18%$2k-48 Month CD
0.97%$2k-36 Month CD
0.86%$2k-24 Month CD
0.67%$2k-18 Month CD
0.62%$2k-12 Month CD
0.37%$1k-6 Month CD

Florida Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.48%$2k-60 Month IRA
1.18%$2k-48 Month IRA
0.97%$2k-36 Month IRA
0.86%$2k-24 Month IRA
0.67%$2k-18 Month IRA
0.62%$2k-12 Month IRA
0.37%$1k-6 Month IRA
Locations


Florida Credit Union Locations
Branch Office2831 NW 43rd StGainesville, FL 32606-6608
Branch Office1615 NW 80th BlvdGainesville, FL 32606
Branch Office3720 NW 13th St Ste 10CGainesville, FL 32609-5911
Branch Office2785 SW 91st St Ste 200Gainesville, FL 32608-2784
Branch Office583 W Duval StLake City, FL 32055-5802
Branch Office2424 SW 17th RdOcala, FL 34471-2006
Branch Office2460 Commercial DrStarke, FL 32091-7865
Branch Office3504 E Silver Springs BlvdOcala, FL 34470-6404
Branch Office9680 SW 114th StOcala, FL 34481-3581
Branch Office1699A N Woodland BlvdDeLand, FL 32720-1803