Florida Central Credit Union


P.o. Box 18605
Tampa, FL 33679
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Notable Rates APY Vs.Others
Savings 0.05% 5.55% →
1-Year CD 0.21% 5.41% →
2-Year CD 2.75% 4.95% →
5-Year CD 0.46% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Florida Central is an NCUA insured institution located in Tampa, FL. It was founded in 1954 and has approximately $595.02 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 $595.02 million
Loans $385.70 million
Deposits $573.68 million
Capital $45.64 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 - June 13, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $5 - Learn More
Money Market
0.01% $2,500 $24,999 Learn More
Money Market
0.01% $25,000 $49,999 Learn More
Money Market
0.01% $50,000 - Learn More
Premium Money Market Account
1.25% $40,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.16% $500 - Learn More
9 Month Special Promo
5.00% $1,000 - Learn More
12 Mo CD
0.21% $500 - Learn More
15 Month Special Promo
5.15% $1,000 - Learn More
18 Mo CD
0.26% $500 - Learn More
24 Mo CD
2.75% $500 - Learn More
36 Mo CD
0.36% $500 - Learn More
48 Mo CD
0.41% $500 - Learn More
60 Mo CD
0.46% $500 - Learn More
Variable IRA Rates APY MIN MAX
IRA Savings
0.21% $5 - Learn MoreShow Less
Checking Rates APY MIN FEE
Interest Checking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - June 13, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
6.530% 6.375% 0.63 $5,200 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,295 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Florida Central
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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:

Florida Central Locations

Climate Policy and 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.

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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
9.21% 6.97

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 December 31, 2023, Florida Central had $4,229,357 in non-current loans and $114,687 in owned assets. To cover these potential losses it had $45,636,408 in net worth and $1,550,438 in loans loss reserves. That gives it a Texas Ratio of 9.21%.

Net Worth
Florida Central U.S. Average
7.66% 13.62%

Florida Central FCU has a net worth of 7.66% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Florida Central

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