Better rates, lower fees, and an overall better experience! That's the Floridacentral difference.

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Benefits of Membership

Floridacentral Credit Union is a not-for-profit, full-service financial cooperative. As a member-owner, you reap the benefits in the form of lower rates when you borrow and higher rates when you save.

We also believe you'll find Floridacentral more personal than most financial institutions. Our mission is to serve our members, not outside stockholders. Equally important, you'll find professional, confidential handling of all your financial business. And the benefits last a lifetime, because it's "once a member, always a member" at your credit union.

How to Join

To join Floridacentral Credit Union, you must meet one of the following eligibility requirements:

Through Your Employer

Membership is open to the employees of the many organizations 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 so, they will have all of the necessary forms you need to open your account. If they do not offer a credit union, please have them contact us at (813) 879-3333 or (800) 528-3330 for details on offering this valuable benefit.

Attention employers: Visit our Employer Benefits area to find out how you can offer Floridacentral Credit Union membership to your employees, at no cost to you.

Through our Community Charter

If you live or work in Pasco, Hillsborough, Pinellas, Polk, Manatee, Sarasota, DeSoto, Charlotte, Orange, or Lake you are eligible for membership. To join, contact us or visit your local branch.

Through a Relative

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. To join, contact us or visit your local branch.

What Is Required?

Every member is required to maintain a savings account with a $5 minimum balance. Once your savings account is established, you can take advantage of all the products and services we offer.

If you are joining through your employer, you can deposit the required $5 in your savings account by payroll deduction.

If you are joining through our Community Charter or as a relative of a current member, you will need to provide us with a copy of a valid Driver's License or State ID. We will also need a copy of your Social Security card. You will need to deposit $5 to open your savings account.