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Overview / Commentary
1615 NW 80th Blvd
Gainesville, FL 32606

Florida Credit Union is headquartered in Gainesville and is the 17th largest credit union in the state of Florida. It is also the 297th largest credit union in the nation. It was established in 1954 and as of September of 2017, it had grown to 247 employees and 89,978 members at 13 locations. Florida Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Florida Credit Union is open to those who live or work in Alachua, Baker, Bradford, Citrus, Clay, Columbia, Dixie, Duval, Flagler, Gilchrist, Hamilton, Hernando, Jefferson, Lafayette, Lake, Levy, Madison, Marion, Nassau, Putnam, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia Counties in Florida.
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Related Posts

MMA Special, 1.15% APY, $50K Min, Guaranteed Through 12/31/17 - 7/29/2017

When I first saw this promotion earlier this week, I thought it was a great deal, because the APY was listed as 1.50% APY on the promotion page. Apparently that was an error, because the promo page now show 1.15% APY. The rate sheet also shows 1.15% APY. The 1.15% APY is guaranteed through the end of the year. $50k minimum deposit - $4.9m maximum deposit

Florida Credit Union Offers 12-Month CD Special (1.76% APY) - 12/26/2016

Florida Credit Union (27 North and Central FL counties) is offering a 12-month CD Special (1.76% APY). Minimum deposit is $2k, with no stated balance cap.

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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 Grade Components

NCUA #60497
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD11.56%
Annual Interest Income$32.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$968.7MM$860.2MM
LoansQ3 2017vs Q3 2016$822.1MM$715.8MM
DepositsQ3 2017vs Q3 2016$824.5MM$747.8MM
Equity CapitalQ3 2017vs Q3 2016$94.6MM$83.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$7.8MM$6.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.6MM$2.2MM
Real Estate OwnedQ3 2017vs Q3 2016$150.00K$731.00K
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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

0.40%--IRA Savings
0.10%$500-Regular Savings
0.10%$500-Special Savings
0.10%--Youth Savings
0.10%--Vacation Club Savings
0.10%--Holiday Club Savings

Florida Credit Union Money Market Rates

1.25%*$50k*$5mMoney Market 2017 Special
OTHER TIERS: 0.15% $10k+ | 0.20% $25k - $50k
1.25%*$50k*$5mBusiness Money Market 2017 Special
OTHER TIERS: 0.15% $10k+ | 0.20% $25k - $50k
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*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $40k | 0.30% $40k - $100k
0.40%*$100k*-Money Market Plus
OTHER TIERS: 0.30% $50k - $100k
0.40%*$100k*-Money Market Advantage
OTHER TIERS: 0.30% $65k - $100k
0.15%$10k-Money Market Checking

Florida Credit Union Checking Account Rates

0.60%$100k-Business Platinum Checking
0.50%$50k-Business Gold Checking
0.25%$25k-Pinnacle Checking
0.25%$10k-Business Premium Checking
0.01%$1k-Checking Plus
0.01%$2,500-Super Checking

Florida Credit Union CD Rates

2.25%$5k-37 Month CD Special
2.00%$10k-65 Month CD Special
2.00%$5k-26 Month CD Special
1.80%$2k-24 Month CD
1.65%$2k-18 Month CD
1.48%$2k-60 Month CD
1.45%$5k-15 Month CD Special
1.35%$2k-12 Month CD
1.18%$2k-48 Month CD
0.97%$2k-36 Month CD
0.37%$1k-6 Month CD

Florida Credit Union IRA Rates

2.25%$5k-37 Month IRA Special
2.00%$10k-65 Month IRA Special
2.00%$5k-26 Month IRA Special
1.80%$2k-24 Month IRA
1.65%$2k-18 Month IRA
1.48%$2k-60 Month IRA
1.45%$5k-15 Month CD Special
1.35%$2k-12 Month IRA
1.18%$2k-48 Month IRA
0.97%$2k-36 Month IRA
0.37%$1k-6 Month IRA