Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Comprehensive Financial Solutions
Florida Credit Union has served members since 1954, providing efficient financial services and products tailored to meet everyday and long-term needs. As a member-owned institution, we prioritize community focus, offering competitive rates on checking, savings, loans, and mortgages. Our 24/7 access to digital banking tools ensures convenience for our members. We are committed to financial wellness through educational resources and personalized credit analysis. Our FCU Local Heroes program recognizes first responders, teachers, and military personnel with exclusive benefits.With 13 branches and thousands of ATMs nationwide, we combine local expertise with nationwide accessibility. Our team delivers personalized service, including specialized mortgage guidance and business banking solutions. We maintain federal insurance through NCUA, ensuring member funds are secure. Through initiatives like youth accounts and debt consolidation programs, we empower financial literacy and stability. Our dedication to innovation is reflected in mobile deposit, digital security tools, and modern credit card rewards programs.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Auto Loans
Personal Loans
Business Banking
Credit Cards
Online Banking
ATM Network
Financial Education
Details
- Year established: 1954
Highlights and features
- We offer member-owned financial services since 1954
- Our 24/7 digital banking provides instant account access
- Community-focused lending with exclusive Local Heroes program
- Competitive rates on mortgages, auto loans, and credit cards
- Personalized financial education through our Digital Academy
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
24/7 digital access
Competitive loan rates
Financial education tools
Community-focused programs
Personalized service
Services
Mortgage Loans
Florida Credit Union offers fixed-rate, adjustable-rate, and government-backed mortgage options with competitive rates. Our mortgage team provides personalized guidance for first-time buyers and refinancing. We offer specialized programs including construction loans and home equity lines of credit.
Auto Loans
We provide auto loans for new and used vehicles with options to refinance existing loans. Our members receive competitive rates and terms tailored to individual credit profiles. Special incentives include cash rebates for qualifying refinancing transactions.
Business Banking
Our business banking solutions include checking accounts, equipment financing, and real estate loans. We offer merchant processing and specialized credit cards for commercial clients. The team provides personalized support for business growth and financial management.
Digital Banking
24/7 digital access includes mobile deposit, bill pay, and account transfers. Our security tools protect against fraud while educational resources improve financial literacy. The Digital Academy offers personalized learning modules for financial wellness.
Savings Accounts
We offer traditional savings, money market accounts, and certificates with competitive APYs. Youth accounts teach financial responsibility while IRAs provide retirement planning options. Special promotions include limited-time certificate rate offers.
Questions
How do I become a Florida Credit Union member?
Membership requires opening an account with a minimum deposit. Eligibility extends to Florida residents, employees of partner organizations, and family members of existing members.
What loan options are available for first-time homebuyers?
We offer fixed-rate mortgages, government loans, and the FCU Local Heroes program with closing credits for qualifying first responders, teachers, and military personnel.
Does FCU offer business banking services?
Yes, we provide business checking accounts, equipment financing, real estate loans, and merchant processing services tailored to Florida-based businesses.
What digital banking features are available?
Our mobile app enables mobile deposit, bill pay, account transfers, and real-time fraud alerts. Online banking includes budgeting tools and loan application tracking.
Are there special programs for young members?
We offer youth savings accounts with educational resources to teach financial responsibility, including the program featured in member Amy Evans' testimonial.
What should I do if my card is lost or stolen?
Immediately call 888-333-9319 to report lost/stolen cards. Additional assistance is available through our 24/7 contact center at 800-284-1144.
