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A Member Share Account is required to join Floridacentral Credit Union. Your $5 deposit establishes your membership, remains your money, and gives you access to checking accounts, loans, savings, digital banking, and more.
A Member Share Account is the first step to becoming a Floridacentral member. Your $5 deposit represents your ownership share in the credit union and establishes your membership, giving you access to the financial products, services, and support available to all members.
A Member Share Account is the credit union equivalent of opening a basic savings account at a bank. Unlike a traditional bank account, your $5 deposit represents your ownership share in Floridacentral Credit Union. The deposit stays in your account as long as your membership remains active.
Opening a Member Share Account is simple. Once your membership is established, you can open additional Floridacentral accounts, apply for loans, and take advantage of the products and services that best fit your financial goals.
You can open an account at Floridacentral Credit Union if you meet one of the following requirements:
You live, work, worship or attend school in a Florida county we serve.
These counties are Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota.
OR
You work at a business or organization we serve.
Visit your Human Resources Department to find out if membership in Floridacentral Credit Union is offered to the employees of your organization. If so, they will have all of the necessary forms you need to open your account.
OR
You are related to a Floridacentral member.
You must live in the state of Florida and have an immediate relative that is currently a member of Floridacentral.
Your Member Share Account is more than a savings account. It’s your gateway to Floridacentral membership, giving you access to checking accounts, loans, digital banking, financial tools, and personalized guidance for every stage of your financial journey.
Manage your everyday banking with checking accounts designed to fit your best Florida lifestyle.
Access your accounts, transfer funds, and manage your money anytime, anywhere.
Explore calculators, articles, and resources to help you make confident financial decisions.
Have questions about our Member Share Account? We’re here to help.
Yes. A Member Share Account is required to become a Floridacentral member and access other products and services.
Yes. The $5 deposit is your money. It stays in your Member Share Account while you’re a member of Floridacentral and is returned to you if you close your membership.
Yes. Once your membership is established, you can open checking accounts, savings accounts, loans, credit cards, and other eligible products.
Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.
You can open a Member Share Account online, schedule an appointment, or visit any Floridacentral branch.
Once your membership is established, you can open checking accounts, savings accounts, loans, credit cards, and other Floridacentral products and services.
Although a Member Share Account is technically a savings account, its primary purpose is to establish your ownership in Floridacentral Credit Union. Once you’re a member, you can also open additional savings accounts for specific financial goals.
Yes. Closing your Member Share Account also closes your Floridacentral membership unless other arrangements have been made.
No. Your $5 remains in your account while your membership is active.
Yes. Member Share Accounts earn dividends according to the current declared rate.
Unlike banks, credit unions are member-owned financial cooperatives. Your Member Share Account represents your ownership interest in Floridacentral Credit Union.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the checking account that’s right for you.
