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Floridacentral Credit Union is proud to partner with Tampa Bay Club Sport to bring exclusive banking benefits to its members. Whether you’re playing in a recreational sports league, joining a tournament, or enjoying an active lifestyle, this partnership gives you access to special loan discounts, competitive rates, checking rewards, and other financial perks designed to help you save money and reach your financial goals.
Our Legends Loan program gives current or retired members of the military, law enforcement, emergency services, healthcare, education, and linemen loan rate discounts of up to 0.35%1 on their auto loans, first mortgages, motorcycle and motorsport loans, RV loans, and watersport loans.
Move your auto loan from another financial institution to Floridacentral and drop your auto loan rate to only 4.99% APR. Plus, enjoy no payment for 90 days.
Pay for a team’s registration fees with your Floridacentral Debit Card and get:
(813) 879-3333
Explore our checking account options designed to fit your lifestyle. From earning cash back on everyday purchases to enjoying competitive interest rates and no monthly fees, Floridacentral makes it easy to get more from your money.
Cash Back Checking
Earn 2% cash back on your debit card purchases, up to $25 every month.
Interest Checking
Earn 2.00%3 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.
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.
Choose from various share certificates and savings accounts to effortlessly earn and reach your financial goals.
Share Certificates
Lock in one of the best rates in Tampa Bay with our promotional Share Certificates.
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.
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 with competitive rates and flexible terms. Get pre-approved before you shop for extra bargaining power, and enjoy quick, local decision-making and processing to get you on the road to your next adventure!
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.
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.
Tap to Pay, Card Management, and Alerts
Add your debit card to your digital wallets and mobile payment apps. 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!
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 planning to saving for your children’s education, Floridacentral Financial Raymond James advisors can help you work toward your financial goals. Explore a variety of financial services and investment options, including retirement and estate planning, insurance and annuities, mutual funds, stocks, bonds, and personalized financial planning.
Getting started at Floridacentral is easy! You can visit one of our branch locations or get started online. Here’s what you’ll need:
Explore insurance options for life, auto, GAP coverage, and more through Floridacentral’s trusted partners.
Combine multiple bills into one predictable monthly payment and save with lower interest rates.
Explore financial education articles, practical money tips, and insights to help you make informed financial decisions at every stage of life.
1 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.
2 4.99% Annual Percentage Rate (APR) is effective as of November 12, 2026, for terms up to 60 months. A 60-month loan with a 4.99% APR would have an estimated monthly payment of $18.87 per thousand dollars borrowed. Approval is based on individual applicant’s creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. Rate may be higher for LTV over 125%. Longer terms may be available and may be determined by the specific loan request. A longer term may impact the APR. This offer is subject to change or end without notice.
3 APY - Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Restrictions apply. Contact Floridacentral for complete details.
4 Approval is based on the individual’s creditworthiness. Not all will qualify. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.