Featured Savings Rates
Featured Accounts

Florida Credit Union

Popular Accounts at this Credit Union

1.41%2-year CD25 Month Special CD
1.41%2-year IRA25 Month Special IRA (Traditional, Roth)
1.48%5-year CD60 Month CD

Overview / Commentary
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 327th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 223 employees and 77,340 members at 11 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

Related Posts

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

Florida Credit Union (FCU) has introduced three CD specials.

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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 - YTD1.2%
Return on Equity - YTD11.97%
Annual Interest Income$18.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$812.4MM$701.7MM
LoansQ2 2016vs Q2 2015$684.4MM$574.4MM
DepositsQ2 2016vs Q2 2015$702.5MM$606.8MM
Equity CapitalQ2 2016vs Q2 2015$81.2MM$72.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$6.8MM$7.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.1MM$4.1MM
Real Estate OwnedQ2 2016vs Q2 2015$1.2MM$2.1MM
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* 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
0.40%--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

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

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

1.48%$2k-60 Month CD
1.41%$10k-25 Month Special 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

1.48%$2k-60 Month IRA
1.41%$10k-25 Month Special 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

Florida Credit Union has 11 locations. Click to view all Florida Credit Union locations.