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 - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $5 | - |
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|
|
Money Market
|
0.01% | $2,500 | $24,999 |
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|
Money Market
|
0.01% | $25,000 | $49,999 |
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|
|
Money Market
|
0.01% | $50,000 | - |
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|
|
Premium Money Market Account
|
1.25% | $40,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.16% | $500 | - |
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|
| 9 Month Special Promo
|
5.00% | $1,000 | - |
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|
| 12 Mo CD
|
0.21% | $500 | - |
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|
| 15 Month Special Promo
|
5.50% | $1,000 | - |
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|
| 18 Mo CD
|
0.26% | $500 | - |
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|
| 24 Mo CD
|
2.75% | $500 | - |
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|
| 36 Mo CD
|
0.36% | $500 | - |
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|
| 48 Mo CD
|
0.41% | $500 | - |
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|
| 60 Mo CD
|
0.46% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| IRA Savings
|
0.21% | $5 | - | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Interest Checking | 2.00% | $0 | $0.00 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Florida Central
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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:
Columbus,Ohio
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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