Florida West Coast Credit Union

Overview / Commentary
1225 Millennium Pkwy
Brandon, FL 33511

Florida West Coast Credit Union is headquartered in Brandon and is the 66th largest credit union in the state of Florida. It is also the 1,661st largest credit union in the nation. It was established in 1991 and as of December of 2019, it had grown to 31 employees and 10,125 members at 5 locations. Florida West Coast Credit Union has an A health rating.

Field of Membership Restrictions

Florida West Coast Credit Union in Brandon is open to the employees of the credit union affiliated select employee groups that are listed on the credit union website and their family members.
See current membership details

Reviews (1)

Friendly Staff, Horrible Website

I've been with FWCCU for a while now.  I made the switch because of the upcoming added fees by the regular banks.  The staff is great, very professional and helpful.  However their website and ATMS are horrible.  I suppose I'm just used to using the BOA ATM's and website, but I'll have to make due to keep from paying fees.  The FWCCU Bill Pay has very few electronically paid bills and they send most out via check.  This is not usually a problem until the time that the check was lost in the mail.  Yes, the check was actually lost in the mail.  My account was charged for the check but TECO never received it.  Their ATMS still take deposits the old fashioned way.  With an envelope.  But hey, NO fees! 

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Florida West Coast Credit Union has a relatively low asset base.

Health Grade Components

NCUA #67337
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD9.46%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$96.8MM$92.2MM
LoansQ4 2019vs Q4 2018$48.1MM$48.3MM
DepositsQ4 2019vs Q4 2018$83.6MM$80.8MM
Equity CapitalQ4 2019vs Q4 2018$11.7MM$10.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$422.00K$433.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$53.00K$47.00K
Real Estate OwnedQ4 2019vs Q4 2018$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.

Florida West Coast Credit Union Savings Account Rates

0.30%*$50k*-IRA Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $50k
0.30%*$50k*-Health Savings
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $50k
0.10%*$10k*-Regular Savings Account
OTHER TIERS: 0.05% $200 - $10k
0.10%*$10k*-Club Accounts
OTHER TIERS: 0.05% $200 - $10k
0.10%*$10k*-Youth Savings
OTHER TIERS: 0.05% $100 - $10k

Florida West Coast Credit Union Money Market Rates

0.30%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2k - $10k | 0.20% $10k - $50k

Florida West Coast Credit Union CD Rates

0.80%$1k-24 Month Certificate
0.65%$500-12 Month Certificate
0.45%$1k-6 Month Certificate

Florida West Coast Credit Union IRA Rates

0.80%$1k-24 Month IRA Certificate
0.65%$500-12 Month IRA Certificate
0.45%$1k-6 Month IRA Certificate

Florida West Coast Credit Union Locations
Branch Office601 E KENNEDY BLVDTAMPA, FL 33602
Branch Office3020 Melburne BlvdTampa, FL 33605
Branch Office10025 N Dale Mabry HwyTampa, FL 33618-4406
Branch Office7200 Ridge Rd Ste 1Port Richey, FL 34668-6950
Branch Office1225 Millennium PkwyBrandon, FL 33511

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