A
Albertsons Employees' Federal Credit Union
Credit union with membership restricted to any employee or retiree of Albertsons Inc.
www.albertsonsempfcu.com
Credit union with membership restricted to any employee or retiree of Albertsons Inc.
www.albertsonsempfcu.com
APP Federal Credit Union
Member-owned financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.appfcu.com
Member-owned financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.appfcu.com
C
Central Credit Union
Field of membership includes persons residing within the counties extending from the west state line to the east state line just south of Jacksonville.
www.ccufl.org
Field of membership includes persons residing within the counties extending from the west state line to the east state line just south of Jacksonville.
www.ccufl.org
Central Florida Educators Federal Credit Union
Member-owned financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.cfefcu.com
Member-owned financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.cfefcu.com
Central Florida HealthCare Federal Credit Union
Membership available to employees of select employee groups.
www.cfhcfcu.org
Membership available to employees of select employee groups.
www.cfhcfcu.org
Coastline Federal Credit Union
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.coastlinefcu.org
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.coastlinefcu.org
Country Federal Credit Union
Not-for-profit member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.countryfcu.com
Not-for-profit member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.countryfcu.com
D
Dade County Federal Credit Union
Nonprofit financial institution owned by the members and operated exclusively for their benefit.
www.dcfcu.org
Nonprofit financial institution owned by the members and operated exclusively for their benefit.
www.dcfcu.org
E
Eastern Financial Federal Credit Union
Member-owned financial cooperative that offers checking, savings, loans, mortgages and debit cards to its members.
www.effcu.org
Member-owned financial cooperative that offers checking, savings, loans, mortgages and debit cards to its members.
www.effcu.org
Eglin Federal Credit Union
Full-service financial institution serving the communities of Eglin Air Force Base and Hurlburt Field.
www.eglinfcu.org
Full-service financial institution serving the communities of Eglin Air Force Base and Hurlburt Field.
www.eglinfcu.org
F
Florida Health Systems Federal Credit Union
Membership is open to employees of Baptist Health Systems, associates of Baptist Health Systems and immediate family of credit union members.
www.fhsfcu.org
Membership is open to employees of Baptist Health Systems, associates of Baptist Health Systems and immediate family of credit union members.
www.fhsfcu.org
Financial Federal Credit Union
Membership is open to any employee of Bloomingdales, Burdines, FACS South, FACS West, Federated Logistics, Macy's and Stern's, as well as members' families.
www.finfed.org
Membership is open to any employee of Bloomingdales, Burdines, FACS South, FACS West, Federated Logistics, Macy's and Stern's, as well as members' families.
www.finfed.org
Flag FCU
Financial cooperative serving the employees of the Florida Department of Agriculture and Consumer Services, their families and select local businesses.
www.flagfcu.com
Financial cooperative serving the employees of the Florida Department of Agriculture and Consumer Services, their families and select local businesses.
www.flagfcu.com
G
Gold Coast Federal Credit Union
Member-owned financial cooperative that provides deposit services and lending services.
www.gcfcu.org
Member-owned financial cooperative that provides deposit services and lending services.
www.gcfcu.org
Gulf States Credit Union
State-chartered credit union providing financial services to its members and their families.
www.gulfstatescu.com
State-chartered credit union providing financial services to its members and their families.
www.gulfstatescu.com
I
IBM Southeast Employees Federal Credit Union
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.ibmsecu.org
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.ibmsecu.org
Indian River Federal Credit Union
Any person who lives, works, worships or attends school in Indian River County, Florida is eligible for membership.
www.irfcu.com
Any person who lives, works, worships or attends school in Indian River County, Florida is eligible for membership.
www.irfcu.com
J
Jax Federal Credit Union
Financial cooperative that serves civilian employees and United States military personnel who reside in Duval and St. John's counties, Florida.
www.jaxfcu.org
Financial cooperative that serves civilian employees and United States military personnel who reside in Duval and St. John's counties, Florida.
www.jaxfcu.org
JM Associates Federal Credit Union
Primary field of membership includes the associates of JM Family Enterprises and its majority owned subsidiaries, as well as their immediate family.
www.jmafcu.org
Primary field of membership includes the associates of JM Family Enterprises and its majority owned subsidiaries, as well as their immediate family.
www.jmafcu.org
K
Keys Federal Credit Union
Community credit union chartered to serve everyone who lives or works in the Florida Keys.
www.keysfcu.org
Community credit union chartered to serve everyone who lives or works in the Florida Keys.
www.keysfcu.org
Kennedy Space Center Federal Credit Union
Any one who lives, works or worships in Brevard or Volusia County is eligible for membership.
www.kscfcu.org
Any one who lives, works or worships in Brevard or Volusia County is eligible for membership.
www.kscfcu.org
M
Martin Federal Credit Union
Membership is available to persons employed by one of the participating companies and groups, retirees of these groups and family members of any person eligible to join the credit union.
www.martinfcu.org
Membership is available to persons employed by one of the participating companies and groups, retirees of these groups and family members of any person eligible to join the credit union.
www.martinfcu.org
McCoy Federal Credit Union
Community credit union serving financial needs of the residents and workers of Orlando, Florida's south side.
www.mccoyfcu.org
Community credit union serving financial needs of the residents and workers of Orlando, Florida's south side.
www.mccoyfcu.org
Metro North Federal Credit Union
Nonprofit cooperative financial institution that provides affordable and personal financial services to its members.
www.metronorthfcu.com
Nonprofit cooperative financial institution that provides affordable and personal financial services to its members.
www.metronorthfcu.com
Miami Fire Fighters Federal Credit Union
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.mffcu.org
Full-service, financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.mffcu.org
Miami Federal Employees Credit Union
Membership is open to Federal employees, family members of Federal employees, former Federal employees, retired military and contracting agencies with the Federal Government.
www.miamifedcu.org
Membership is open to Federal employees, family members of Federal employees, former Federal employees, retired military and contracting agencies with the Federal Government.
www.miamifedcu.org
Miami Police Federal Credit Union
Member-owned financial cooperative providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
miamipolicefcu.com
Member-owned financial cooperative providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
miamipolicefcu.com
MidFlorida Federal Credit Union
Financial cooperative that offers checking and savings accounts, consumer loans, credit card services and mortgages.
www.midflorida.com
Financial cooperative that offers checking and savings accounts, consumer loans, credit card services and mortgages.
www.midflorida.com
Mount Sinai Federal Credit Union
Member-owned financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.mtsinaifcu.org
Member-owned financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.mtsinaifcu.org
N
NCSC Federal Credit Union
Nonprofit financial cooperative providing a wide range of financial services oriented to the needs of the membership.
www.ncscfcu.org
Nonprofit financial cooperative providing a wide range of financial services oriented to the needs of the membership.
www.ncscfcu.org
O
Orlando Federal Credit Union
Member-owned financial cooperative offering financial products and services to its members and their families.
www.orlandofcu.org
Member-owned financial cooperative offering financial products and services to its members and their families.
www.orlandofcu.org
P
Power 1 Credit Union
Nonprofit financial cooperative that provides a range of consumer financial products.
www.p1cu.org
Nonprofit financial cooperative that provides a range of consumer financial products.
www.p1cu.org
Pan Am Horizons Federal Credit Union
Membership groups consist of military personnel, hospital employees, auto dealerships, manufacturers, hospitality workers, professionals and retirees affiliated with designated companies.
www.pahfcu.org
Membership groups consist of military personnel, hospital employees, auto dealerships, manufacturers, hospitality workers, professionals and retirees affiliated with designated companies.
www.pahfcu.org
Pinellas County Employees FCU
Provider of share accounts, checking accounts, loans and mortgages to credit union members and their families.
www.pcefcu.org
Provider of share accounts, checking accounts, loans and mortgages to credit union members and their families.
www.pcefcu.org
Publix Employees Federal Credit Union
Federally chartered, nonprofit cooperative that serves the financial needs of associates of Publix Super Markets and their family members.
www.pefcu.com
Federally chartered, nonprofit cooperative that serves the financial needs of associates of Publix Super Markets and their family members.
www.pefcu.com
Pen Air Federal Credit Union
Financial cooperative serving active duty or retired military, current or retired federal civil service employees and select employee groups.
www.penair.org
Financial cooperative serving active duty or retired military, current or retired federal civil service employees and select employee groups.
www.penair.org
Pensacola Government Federal Credit Union
Not-for-profit member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.pgfcu.org
Not-for-profit member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.pgfcu.org
S
San Antonio Citizens Federal Credit Union
Persons who reside or work in the area of Pasco and Hernando Counties and members of their immediate families, are eligible for membership.
www.sacfcu.org
Persons who reside or work in the area of Pasco and Hernando Counties and members of their immediate families, are eligible for membership.
www.sacfcu.org
South Atlantic Federal Credit Union
Nonprofit financial institution that offers members consumer financial products.
www.safcu1.com
Nonprofit financial institution that offers members consumer financial products.
www.safcu1.com
Score Federal Credit Union
Financial cooperative offering full consumer lending services including first and second mortgages, as well as savings, checking and money market accounts.
www.scorefcu.com
Financial cooperative offering full consumer lending services including first and second mortgages, as well as savings, checking and money market accounts.
www.scorefcu.com
Southeast Corporate Federal Credit Union
Full service corporate credit union providing wholesale financial services to credit unions located throughout the United States.
www.secorp.org
Full service corporate credit union providing wholesale financial services to credit unions located throughout the United States.
www.secorp.org
State Employees Credit Union
Members of approved employee groups are eligible for membership and their spouses, children, grandchildren, parents, brothers and sisters. Retirees and their families from eligible groups also qualify.
www.secufl.org
Members of approved employee groups are eligible for membership and their spouses, children, grandchildren, parents, brothers and sisters. Retirees and their families from eligible groups also qualify.
www.secufl.org
Seminole County Teachers FCU
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.seminolefcu.org
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.seminolefcu.org
Suncoast Schools Federal Credit Union
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.suncoastfcu.org
Member-owned financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.suncoastfcu.org
Sunstate Federal Credit Union
Anyone who lives, works, worships or attends school in Alachua, Columbia, Dixie, Gilchrist, or Levy counties is eligible to join the cooperative.
www.sunstatefcu.org
Anyone who lives, works, worships or attends school in Alachua, Columbia, Dixie, Gilchrist, or Levy counties is eligible to join the cooperative.
www.sunstatefcu.org
T
Tampa Bay Federal Credit Union
Nonprofit financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.tampabayfcu.org
Nonprofit financial cooperative whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.tampabayfcu.org
Tallahassee-Leon FCU
Member-owned financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.tlfcu.org
Member-owned financial institution, providing deposit accounts, consumer loans, mortgage loans and financial planning assistance.
www.tlfcu.org
TMH Federal Credit Union
Member-owned financial cooperative that offers checking, savings, loans, mortgages to its members and their families.
www.tmhfcu.org
Member-owned financial cooperative that offers checking, savings, loans, mortgages to its members and their families.
www.tmhfcu.org
Tampa Postal District Federal Credit Union
Not-for-profit financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.tpcu.org
Not-for-profit financial institution whose revenues are used to provide members with higher savings dividends, enhanced services and lower loan rates.
www.tpcu.org
Times Staffers Federal Credit Union
Financial cooperative serving only the St. Petersburg Times, Congressional Quarterly and Florida Trend employees and retirees.
www.tsfedcu.com
Financial cooperative serving only the St. Petersburg Times, Congressional Quarterly and Florida Trend employees and retirees.
www.tsfedcu.com
Tyndall Federal Credit Union
Member-owned financial cooperative that provides deposit services and lending services.
www.tyndallfcu.org
Member-owned financial cooperative that provides deposit services and lending services.
www.tyndallfcu.org
U
UCF Federal Credit Union
Nonprofit financial cooperative that offers comprehensive financial services to its members and their families.
www.ucffedcu.org
Nonprofit financial cooperative that offers comprehensive financial services to its members and their families.
www.ucffedcu.org
V
Vista Federal Union
To join Vista FCU, you must be a cast member or employee of The Walt Disney Company, a retiree or an immediate family or household member of one of the above.
www.vistafcu.org
To join Vista FCU, you must be a cast member or employee of The Walt Disney Company, a retiree or an immediate family or household member of one of the above.
www.vistafcu.org
Federally chartered credit unions in Florida may meet a firm’s needs better than the traditional use of a bank. A credit union is owned by its depositors, meaning you (the account holder) have a say in how to run the business. Each member of a credit union gets one vote at the annual election of the Board of Directors.
Government credit unions in Florida are non-profit entities. This lets them to operate at a lower cost than traditional banks. Credit unions pass through savings to you in the form of higher savings account rates and lower loan interest rates. When choosing a Florida federal credit union, consider:
1. The advantages of federally chartered credit unions in Florida over traditional credit unions;
2. Eligibility requirements to join Florida federal credit unions; and
3. Some players among federal credit unions in Florida.
Action Steps
The best contacts and resources to help you get it done
Learn about the advantages and disadvantages of Florida federally chartered credit unions
According to the National Credit Union Administration (NCUA) a federally chartered credit union is a 'financial cooperative chartered by the federal government and owned by its members...Surplus income is returned to members in the form of dividends.' A federal credit union has more protections than 'average' credit unions. Examples include more frequent audits of financial records, mandatory reserves to offset uncollectible loans, control of investments of surpluses and annual exams by the NCUA. The National Credit Union Share Insurance Fund (NCUSIF) bonds accounts in federal credit unions up to $100,000. The main drawback to a credit union is that membership is limited to groups of people with a common bond such as the same employer, association or area of residence.
I recommend: Visit the NCUA website (part of the government entity Pueblo). Learn how the NCUSIF protects your credit union deposits.
Meet eligibility requirements to join a Florida federally chartered credit union
Visit a prospective credit union's website or call to find out the requirements for joining. Some credit unions allow business memberships; others only permit individual memberships. You may want to consider forming a credit union for your employees or collaborating with a local credit union so your employees can benefit from membership. Requirements vary greatly based on the credit union's federal charter. For example, the Financial Federal Credit Union is restricted to employees of Bloomingdales, Macy's, Office Depot, Tech Depot, 4Sure.com, Cheshire Direct, FACS Group, FSG and Federated Logistics (and their immediate family members).
I recommend: Visit the National Credit Union Administration to search for federally chartered credit unions in Florida. See if your company meets eligibility requirements for the Financial Federal Credit Union.
Compare and contrast a few players among federally chartered credit unions in FL
Here is a small listing of some other Florida federally chartered credit unions. The MIDFLORIDA Federal Credit Union permits those who live, worship, work or attend school in Polk, Highlands, Okeechobee, Hardee, DeSoto, or Sumter counties or the Poinciana area to join. This organization offers a variety of loans (auto, mortgage, personal and credit cards), checking and savings accounts, online banking and investing services. The Sun State Federal Credit Union offers membership to those who live, work, worship or attend school in one of these counties: Alachua, Dixie, Levy, Columbia or Gilchrist. This credit union offers a variety of loans, checking and saving account, online banking and 24-hour account access.
I recommend: See if your company qualifies to join the MIDFLORIDA Federal Credit Union or the Sun State Federal Credit Union.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Shop around. As business owner in the state of Florida, you may qualify to join more than one federally chartered credit union in Florida. Make sure to compare interest rates for loans, savings and checking accounts to get the best deal among Florida federal credit unions.
