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Become a Member

Your financial direction starts here.

When you join Floridacentral Credit Union, you become part of a not-for-profit, member-owned financial cooperative built around your financial well-being. Enjoy competitive rates, rewarding accounts, convenient banking options, personalized service, and benefits designed to help you make more of your money.

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Membership Is Closer Than You Think

You may be eligible to join Floridacentral Credit Union if you live, work, worship, or attend school in one of the counties we serve, or qualify through an immediate family member.

Floridacentral serves individuals who live, work, worship, or attend school in the following Florida counties:

  • Charlotte
  • DeSoto
  • Hillsborough
  • Lake
  • Manatee
  • Orange
  • Pasco
  • Pinellas
  • Polk
  • Sarasota

Joining Is Easy

Once you’ve confirmed your eligibility, you can apply online or visit a Floridacentral branch to become a member.

Gather Your Identification Documents

You’ll need a valid Florida driver’s license or state identification card showing your current Florida physical address.

Don’t have a current Florida ID or opening an account for a minor or Supplemental Security Income beneficiary? Additional forms of identification may be accepted.

Complete Your Membership Application

Apply online or stop by your nearest Floridacentral branch to complete your membership application.

Make Your $5 Member Share Deposit

A $5 initial deposit opens your Member Share Account and establishes your membership in Floridacentral.

From there, you can add other accounts and services, including checking, savings, credit cards, loans, and more.

Get Started

A Floridacentral membership means more.

Opening your Member Share Account is just the beginning. Explore more of the benefits and opportunities available to Floridacentral members.

Rewards & Benefits

Discover rewarding checking accounts, competitive loan rates, convenient banking services, financial resources, and more ways membership can work for you.

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Special Offers

See the latest Floridacentral promotions, limited-time rates, and opportunities to get even more value from your membership.

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Refer a Friend

Share the Floridacentral difference. Invite eligible friends and family to discover the benefits of becoming a member.

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Floridacentral Membership FAQs

Have questions about becoming a Floridacentral Credit Union member? We’re here to help.

You may be eligible to join Floridacentral if you live, work, worship, or attend school in one of the Florida counties we serve, work for a participating organization, or qualify through an immediate family member. Review the membership eligibility requirements above to determine if you qualify.

A $5 initial deposit into a Member Share Account establishes your Floridacentral Credit Union membership. Your $5 deposit represents your membership share in the credit union.

Credit unions are not-for-profit financial cooperatives owned by their members rather than outside shareholders. This structure allows credit unions like Floridacentral to focus on serving members through competitive rates, fewer or lower fees, personalized service, and valuable member benefits.

No. You can become a Floridacentral member without closing accounts you have at another financial institution. Once you join, you can choose the Floridacentral accounts, loans, and services that fit your financial needs.

Yes. Floridacentral offers options for opening accounts for minors. Identification and account requirements may differ from those for adult memberships, so review our acceptable forms of identification or contact us for help getting started.

Yes. Floridacentral Credit Union is federally insured by the National Credit Union Administration (NCUA). Member deposits are federally insured up to applicable limits through the National Credit Union Share Insurance Fund (NCUSIF).

Once you become a Floridacentral member, you may be able to maintain your membership even if you move outside our current service area, provided you continue to meet applicable membership requirements.

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