Florida Central Credit Union

Headquarters

P.o. Box 18605
Tampa, FL 33679
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 4.35% →
1-Year CD 0.36% 5.00% →
2-Year CD 0.56% 4.75% →
5-Year CD 0.86% 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Florida Central is an NCUA insured institution located in Tampa, FL. It was founded in 1954 and has approximately $601.99 millions in assets.

Who can join?

Membership is open to the employees of the many businesses we serve. Please visit your Human Resources Department to find out if membership in floridacentral Credit Union is offered to the employees of your company.

If you live or work in Pasco, Hillsborough, Pinellas, Polk, Manatee, Sarasota, DeSoto, Charlotte, Orange, or Lake you are eligible for membership.

If you live in the state of Florida and have an immediate relative that is currently a member of floridacentral Credit Union, you are eligible to join.

NCUA Insured Yes / State-Chartered
Charter Number # # 67668
Date Established 1954
Assets $601.99 million
Loans $390.85 million
Deposits $588.75 million
Capital $43.20 million
 

Field of Membership Restrictions

FloridaCentral Credit Union of Tampa is open to the residents and the people that maintain employment within these qualified locations: Pasco, Hillsborough, Pinellas, Polk, Manatee, Sarasota, DeSoto, Charlotte, Orange, and Lake, as well as the employees of the credit union affiliated partner companies throughout the area, and the family members of current credit union members that live within the state of Florida.

Deposit Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.26% $10,000 $14,999 Learn More
6 Mo CD
0.26% $100,000 $199,999 Learn More
12 Mo CD
0.36% $10,000 $14,999 Learn More
12 Mo CD
0.36% $100,000 $199,999 Learn More
18 Mo CD
0.46% $10,000 $14,999 Learn More
18 Mo CD
0.46% $100,000 $199,999 Learn More
24 Mo CD
0.56% $10,000 $14,999 Learn More
24 Mo CD
0.56% $100,000 $199,999 Learn More
36 Mo CD
0.66% $10,000 $14,999 Learn More
36 Mo CD
0.66% $100,000 $199,999 Learn More
48 Mo CD
0.76% $10,000 $14,999 Learn More
48 Mo CD
0.76% $100,000 $199,999 Learn More
60 Mo CD
0.86% $10,000 $14,999 Learn More
60 Mo CD
0.86% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
Ultimate Checking 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FLORIDA CENTRAL

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 2023

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
5.294% 5.250% 0.50 $1,250 $1,381 Learn More
PADDIO
NMLS ID: 1907
5.921% 5.750% 0.88 $4,688 $1,459 Learn More
MortgageResearch.com
NMLS ID: Not lender
Learn More
Eligibility.org
NMLS ID: Not lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

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


 

Branches

Below are Florida Central 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:
Ashburn,Virginia


Florida Central Locations



Climate Initiatives

FLORIDA CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Florida Central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Florida Central. 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 Central U.S. Average
5.32% 4.63

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 September 30, 2022, Florida Central had $2,145,174 in non-current loans and $227,977 in owned assets. To cover these potential losses it had $43,198,619 in net worth and $1,372,394 in loans loss reserves. That gives it a Texas Ratio of 5.32%.

Net Worth
Florida Central U.S. Average
7.18% 12.52%

Florida Central FCU has a net worth of 7.18% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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