Partnership Discounts & Benefits
Join our crew! Experience banking tailored to your active lifestyle.
Get checking rewards more vibrant than a Florida sunset!
Choose from various CD and savings accounts to effortlessly earn and reach your financial goals.
Cash Back Checking
Earn 2% cash back on your debit card purchases, up to $25 every month.
Interest Checking
Earn 2.00% APY^ on your checking balances up to $15,000 plus up to $25 each month in ATM fee refunds.
Ea$y Checking
Earn a daily cash reward for qualifying debit card purchases, up to $20 every month.
Free Checking
Manage your money without any monthly fees or minimum balance requirements with Free Checking.
Car-Buying Made Easy!
Lock in a great rate on your auto loan and use our free Auto Advisors service to eliminate all the hassle and pressure from the car-buying experience.
Get a Competitive Rate & Pick Your Due Date
Finance the right ride at the right rate. We offer terms up to 84 months and you can pick the day of the month your payment will be due for more convenience.
Auto Advisors
Our Auto Advisors service can help eliminate all the hassle and pressure from the car-buying experience. This service will not cost you a dime! Your auto advisor will do the work for you to find the best possible vehicle for your needs and budget, audit the entire transaction to ensure you get the best deal, accompany you to the dealer so that there is no pressure when it’s time to sign, and more.
CU Auto Branch
The CU Auto Branch is committed to providing the highest standards of quality, selection, and value on premium used cars at a great value. The CU Auto Branch works closely with Floridacentral during the financing process and provides a no-haggle car-buying experience.
For a selection of their inventory, check out their website.
4.99% APR* Auto Loan Refinance Special
Love your vehicle, but not your rate? Move your auto loan from another financial institution to Floridacentral and drop your auto loan rate to only 4.99% APR!
Start saving for your next adventure!
Choose from various CD and savings accounts to effortlessly earn and reach your financial goals.
Certificate of Deposit (CDs)
Lock in one of the best CD rates in Tampa Bay with our promotional CD.
Money Market Accounts
Earn more interest while keeping your money accessible.
Regular and Special Savings
Save for the holidays, retirement, and any other financial goal with our Regular Savings, Christmas Club, Individual Retirement Accounts (IRAs), and more.
Dominate the Outdoors with our "Sports" Loans
Play harder off the field with the perfect toy! Our motorsports, watersports, and recreational vehicle loans will help you upgrade your playtime and rev up your fun.
Finance motorcycles, ATVs, boats, jet skis, RVs, travel trailers, campers, and more!
- Competitive rates and customizable terms.
- Get pre-approved before shopping for extra bargaining power.
- Quick and local decision-making and processing.
Plant your roots where the palm trees grow!
Whether you envision spacious farmland, a beachfront villa, a cozy bungalow, or a chic city condo, our competitive 30-year fixed-rate mortgage can make your dream a reality.
First Mortgages
Your dream home is within reach with our exceptional 30-year fixed-rate mortgage, and it's one of the best in Tampa Bay! Our mortgage team is locally-based with experience in the local market. Plus, our not-for-profit status can mean savings on closing costs for you!
Home Equity Options
Turn the value you’ve built up into financing that can be used for a variety of purposes, including home improvements, education expenses, debt consolidation, a beautiful wedding, an epic vacation, a large purchase, starting or expanding your small business, and more.
Convenient Digital Services
Whether you're strolling the sandy beaches, lounging poolside, or visiting theme parks, you can manage your finances with ease with our convenient, secure, and easy-to-use digital services.
Card Management and Alerts
Use our FC Cards app to instantly turn your card ON & OFF, control where it can be used, get real-time purchase alerts, submit your travel plans, set spending limits, and more.
Early Paycheck
Get your paycheck up to 2 days before payday!
Debit Round Up
You can opt into this free program that rounds up your debit card purchases to the next dollar and automatically transfers it to your Floridacentral savings account - building your savings as you shop!
Tap to Pay
Add your debit card to your digital wallets and mobile payment apps.
Floridacentral Financial
The team at Floridacentral Financial is here to help you make the most of your money. They offer 'one-stop shopping' for investments, insurance, and financial planning.
Floridacentral Financial Raymond James Services
From retirement to paying for your children's college and everything in between, our Floridacentral Financial Raymond James advisors can help you reach your goals. The services and products available through Floridacentral Financial Raymond James include:
- Retirement Planning
- Estate Planning
- Insurance and Annuities
- Mutual Funds Stocks and
- Bonds Financial Planning
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, marketed as Florida Central Financial and are not insured by any Credit Union insurance, the NCUA or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the Credit Union and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Florida Central Credit Union and the Florida Central Financial are separately owned and operated and not independently registered as broker-dealers or investment advisers.
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed web sites or their respective sponsors. Raymond James is not responsible for the content of any web site or the collection or use of information regarding any web site's users and/or members.
Raymond James Legal Disclosure
Special Discounts
Take advantage of a variety of special offers.
Buy Local Spend Local
Support local businesses in your community by using your Floridacentral debit card at participating locations.
Click the button below to browse for participating businesses. Explore discounts, coupons, and special offers for members using a Floridacentral card for their purchases.
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.
- Don't worry about the $5 to open your Member Share Account! We'll take care of it you. This Member Share Account is what makes you a member of the credit union and gives you access to all the benefits!
*Annual Percentage Rate is 4.99% APR for up to 84 months. Approval is based upon individual applicant’s creditworthiness, year, make, model, and mileage of vehicle. Not all will qualify. This offer applies to auto loan refinances from another financial institution only. Cannot be combined with other offers. Rates, terms, and conditions are subject to change without notice. Rates effective November 1, 2025. Other restrictions may apply; contact us complete details.
**Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. First Mortgage Loans: Maximum discount of 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. Consumer Loans: When the loan is initiated and completed directly with Floridacentral, the maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When the loan is initiated and completed at a dealership, the maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. A branch visit is required to obtain the discount on indirect consumer loans. Share-secured and unsecured loans are not eligible for the Legends Loan discounts. Special 4.99% Auto Loan Refinance offer not eligible for Legends Loans discount. The Annual Percentage Rate is based on the individual applicant’s creditworthiness and the year, make, model, and mileage of the vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.
^APY = Annual Percentage Yield. APYs are accurate as of November 1, 2025, 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.