P.O. BOX 5549
Gainesville, FL 32627


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60497
Date Established 1954
Assets $1,170.61 million
Loans $990.05 million
Deposits $1,010.89 million
Capital $118.86 million

Florida is an NCUA insured institution located in Gainesville, FL. It was founded in 1954 and has approximately $1170.61 millions in assets.

Who can join?

You are eligible for membership if you live or work in the following counties: Alachua, Bradford, Citrus, Clay, Columbia, Dixie, Flagler, Gilchrist, Hamilton, Hernando, Lake, Levy, Marion, Putnam, St. Johns, Sumter, Suwannee, Union, Volusia.

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.

Deposit Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $39,999 Learn MoreShow Less
Fixed IRA
1.35% $2,000 - Learn MoreShow Less
Special: 9 Mo FIRA
2.15% $5,000 - Learn MoreShow Less
Special: 13 Mo FIRA
2.10% $5,000 - Learn MoreShow Less
Special: 18 Mo FIRA
2.00% $5,000 - Learn MoreShow Less
Special: 26 Mo FIRA
1.50% $5,000 - Learn MoreShow Less
Special: 37 Mo FIRA
1.40% $5,000 - Learn MoreShow Less
Special: 65 Mo FIRA
1.00% $10,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.37% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
2.15% $5,000 - Learn MoreShow Less
12 Mo CD
1.35% $2,000 - Learn MoreShow Less
Special: 13 Mo CD
2.10% $5,000 - Learn MoreShow Less
18 Mo CD
1.65% $2,000 $49,999 Learn MoreShow Less
Special: 18 Mo CD
2.00% $5,000 - Learn MoreShow Less
24 Mo CD
1.81% $2,000 - Learn MoreShow Less
Special: 26 Mo CD
1.50% $5,000 - Learn MoreShow Less
36 Mo CD
2.10% $2,000 - Learn MoreShow Less
Special: 37 Mo CD
1.40% $5,000 - Learn MoreShow Less
48 Mo CD
2.25% $2,000 - Learn MoreShow Less
60 Mo CD
1.48% $2,000 - Learn MoreShow Less
Special: 65 Mo CD
1.00% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.40% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.50% $10,000 $24,999 Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FLORIDA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Florida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Florida Locations

Financial Details

Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Florida. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Florida U.S. Average
11.49% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Florida had $12,641,478 in non-current loans and $2,028,241 in owned assets. To cover these potential losses it had $118,857,108 in net worth and $8,794,804 in loans loss reserves. That gives it a Texas Ratio of 11.49%.

Net Worth
Florida U.S. Average
10.15% 13.47%

Florida FCU has a net worth of 10.15% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Florida

Branches and Savings

What is Florida?

A federal credit union, registered with the NCUA under certificate #60497.
Learn more about credit unions here.

Is Florida FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Florida?

Please see Field of Membership information above for information on who is eligible to join.

What are Florida's share account and share certificate rates?

Florida's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Florida?

Florida has total capital of $118.86 million. Full information on Florida's financial position is located above.

Who owns Florida?

Credit Unions are owned by their members.

Where are Florida branches located?

See branch locations nearby.

Are Florida ATMs Open 24/7?

Do Florida ATMs accept cash deposits?

Can Florida customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Florida have a mobile app?

Does Florida have mobile deposit?

Does Florida have quick pay?

How can Florida transfer money to other banks or credit unions?

Does Florida report to credit bureaus?

Does Florida use Chexsystems?

Does Florida use Equifax?

What is Florida's toll free phone number?

What is Florida's ACH Routing Number?

What is Florida's SWIFT code?

Where can I find Florida's wire transfer form?

What is the Florida address for deposits?

What Products Does Florida Offer

Does Florida offer mortgages?

Compare mortgage rates here.

Does Florida offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Florida offer auto and RV loans?

Compare auto loan rates here.

Does Florida offer student loans or personal loans?

Compare personal loan rates here.

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