P.O. BOX 18605
Tampa, FL 33679
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.20% →
1-Year CD 0.66% 1.10% →
2-Year CD 0.86% 1.15% →
5-Year CD 1.46% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Florida Central is an NCUA insured institution located in Tampa, FL. It was founded in 1954 and has approximately $510.93 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
Charter Number # # 67668
Date Established 1954
Assets $510.93 million
Loans $334.72 million
Deposits $470.54 million
Capital $42.13 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 - August 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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
0.56% $10,000 $14,999 Learn More
6 Mo CD
0.56% $100,000 $199,999 Learn More
12 Mo CD
0.66% $10,000 $14,999 Learn More
12 Mo CD
0.66% $100,000 $199,999 Learn More
18 Mo CD
0.76% $10,000 $14,999 Learn More
18 Mo CD
0.76% $100,000 $199,999 Learn More
24 Mo CD
0.86% $10,000 $14,999 Learn More
24 Mo CD
0.86% $100,000 $199,999 Learn More
36 Mo CD
1.06% $10,000 $14,999 Learn More
36 Mo CD
1.06% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.46% $10,000 $14,999 Learn More
60 Mo CD
1.46% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
Ultimate Checking 1.50% $0 $0.00 Learn MoreShow Less

Loan Rates - August 4, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.930% 2.875% 0.75 $1,762 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$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 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

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
5.74% 6.71

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 30, 2020, Florida Central had $2,507,537 in non-current loans and $20,179 in owned assets. To cover these potential losses it had $42,130,959 in net worth and $1,888,839 in loans loss reserves. That gives it a Texas Ratio of 5.74%.

Net Worth
Florida Central U.S. Average
8.31% 13.61%

Florida Central FCU has a net worth of 8.31% versus the BestCashCow average of 13.61. 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 Central

Branches and Savings

What is Florida Central?

A federal credit union, registered with the NCUA under certificate #67668.
Learn more about credit unions here.

Is Florida Central 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 Central?

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

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

Florida Central'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 Central?

Florida Central has total capital of $42.13 million. Full information on Florida Central's financial position is located above.

Who owns Florida Central?

Credit Unions are owned by their members.

Where are Florida Central branches located?

See branch locations nearby.

Are Florida Central ATMs Open 24/7?

Do Florida Central ATMs accept cash deposits?

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

Does Florida Central have a mobile app?

Does Florida Central have mobile deposit?

Does Florida Central have quick pay?

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

Does Florida Central report to credit bureaus?

Does Florida Central use Chexsystems?

Does Florida Central use Equifax?

What is Florida Central's toll free phone number?

What is Florida Central's ACH Routing Number?

What is Florida Central's SWIFT code?

Where can I find Florida Central's wire transfer form?

What is the Florida Central address for deposits?

What Products Does Florida Central Offer

Does Florida Central offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Florida Central offer auto and RV loans?

Compare auto loan rates here.

Does Florida Central offer student loans or personal loans?

Compare personal loan rates here.

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