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Florida Central Credit Union

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Florida Central Credit Union Rates & Review June 2026

Q: Is a member application needed to join Florida Central Credit Union?

Yes, to access services at Florida Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Florida Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 22, 2026

You can compare Florida Central Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.50%, 6-month share certificate rates at 3.15% and 3-month share certificate rates at 2.75%. Savings rates are at 0.05% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Florida Central Credit Union rates. MonitorBankRates evaluates the financial stability of Florida Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.09%. Rates were last updated on 06/22/2026.

Florida Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Florida Central Credit Union? Share your experience about Florida Central Credit Union by leaving a review below, or read customer reviews before you decide to use Florida Central Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.09%

Excellent Lower than avg

Florida Central Credit Union
Main Office

3333 Henderson Blvd
Tampa, FL 33609 2955

https://floridacentralcu.com

Current Rate Availability

We do not have Florida Central Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Florida Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Florida Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Florida Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Florida Central Credit Union

Website https://floridacentralcu.com

Address 3333 Henderson Blvd, Tampa, FL 33609 2955

Phone 813-879-3333

Fax

President William Mignone

CEO Linh Dang

Full-Time Employees 125

Part-Time Employees 14

Branch Locations 13

ATM Locations 16

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.09%

Return on Assets (ROA)

0.2147%

Return on Equity (ROE)

2.6739%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

592,879,613

Total Amount of Shares and Deposits

565,391,481

Total Shares and Deposits < 1 Year

407,940,062

Total Shares and Deposits 1 3 Years

157,040,129

Total Shares and Deposits > 3 Years

411,291

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

31,723,727

Total Uninsured Shares and Deposits > $250K (F+J)

31,723,727

Total Insured Shares and Deposits > $250K (item 17 less item K)

533,667,754

Total Interest Expense (Sum of items 6 8)

5,476,626

Share Certificates

3,912

Number of Accounts for Share Drafts

25,759

IRA KEOGH Accounts

1,072

Number of Accounts for Regular Shares

86,009

All other shares

293

Non Member Deposits

Money Market Shares

611

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,324,627

Total Liabilities

571,618,966

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Florida Central Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Florida Central Credit Union

How many branches does Florida Central Credit Union operate?

Florida Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Florida Central Credit Union?

Yes, to access services at Florida Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Florida Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Florida Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Florida Central Credit Union offer online and mobile banking?

Most modern institutions like Florida Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://floridacentralcu.com.