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

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Experience the Floridacentral Difference

Take a worry-free stroll down the beautiful sandy beaches of the Sunshine State knowing that your financial well-being is in good hands. You see, Floridacentral is not like a traditional financial institution! We’re a not-for-profit and member-owned financial cooperative. But what does that mean for you?


Our not-for-profit status means the money we earn goes towards benefiting our members, so they can enjoy better interest rates when they save and borrow and lower fees.


We don't answer to outside shareholders. Members are the owners! This means we will make decisions and operate in a way that will always be advantageous to our members and our community.

Financial Cooperative

Floridacentral is a financial cooperative with a rewarding community approach to finances. Through deposits and loans, every member contributes to our strength and resilience. As a member, you’re not just a number, you’re a valued participant in a shared journey toward financial well-being.



Get checking rewards more vibrant than a Florida sunset!

We've designed diverse checking accounts with rewards that will complement your unique habits, routines, and goals.

Interest Checking icon with a stack of coins and percent sign

With Interest Checking, you earn 2.00% APY* on your checking balances up to $15,000.

Cash Back Checking Icon with a stack of cash

With Cash Back Checking, you earn 2% cash back on your debit card purchases, up to $25 every month.

Ea$y Checking Icon of Cash and a Debit Card

With Ea$y Checking, you earn a daily cash reward for qualifying debit card purchases, up to $20 every month.

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Let our loans fuel your next adventure!

Whether your next adventure is a road trip, a day on the water, or purchasing a home, you can lock in a competitive rate on your loan at Floridacentral. Plus, community heroes qualify for special discounts with our Legends Loans program!

Auto loan icon

Cruise the Florida coast or ride the open road. Lock in a competitive rate on our auto, boat, motorcycle, and RV loans!


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Home Loans icon

We’ll help you purchase a home, refinance your loan, and tap into your equity at some of the best home loan rates in Tampa Bay!


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Legends Loans icon

Explore special loan rate discounts for community heroes.


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Convenient Banking

Floridacentral has 12 convenient branch locations throughout west-central Florida for in-person service. Free ATMs are offered at each branch. If you’re not near a branch, you have access to your accounts through the shared branching network and thousands of free ATMs.

We also offer these convenient digital services to access and manage your accounts anytime, anywhere.

Apple Pay®, Samsung Pay®, and Google Pay™**

Mobile deposit through the mobile banking app

Card control with instant alerts



Tools and Tips

Our blog articles help you make money, save money, and stay financially fit. These insightful articles cover a variety of topics and can help members of all ages, backgrounds, and financial circumstances.

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Get Started

Getting started at Floridacentral is easy! You can visit one of our branch locations or get started online. Here’s what you’ll need:

  • A copy of a valid Driver's License or State ID.
  • A copy of your Social Security card.
  • $5 to open your Member Share Account. This is what makes you a member of the credit union and gives you access to all the benefits!

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*APY = Annual Percentage Yield. APYs are accurate as of March 20, 2004, and are subject to change without notice. The rewards are variable and may change after the account is opened. Fees may reduce earnings. Click here for more details.

**Floridacentral Credit Union is not endorsed by or affiliated with Apple Pay®, Google Pay™, Samsung Pay®. Each company owns their Pay service and logo.