Credit union · NCUA insured
BCFCU
Top CarrotA $170.2M credit union headquartered in Perry, FL, with 11,373 members and 3 branches in Florida. Best rates: CDs 4.08% and savings 0.30% APY.
BCFCU Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#1 of 18 in Tallahassee, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BCFCU
Established in 1956, Blue Coast Federal Credit Union serves 13 counties in the Big Bend region of Florida.
Originally Buckeye Employees, it became Buckeye Community in 2002, welcomed Tallahassee Community FCU in 2022, and adopted the Blue Coast name.
- Headquarters
- 1825 S Jefferson St, Perry, FL 32348-5614
- NCUA charter
- 11154
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons who live, worship, work, or attend school in, and businesses and other legal entities located in Dixie, Franklin, Gadsden, Gilchrist, Hamilton, Jefferson, Lafayette, Leon, Levy, Madison, Suwannee, Taylor, and Wakulla counties.
Military, government and schools
- Open to employees of the credit union and volunteers in the community.
Family and household
- Open to spouses of persons who died while within the field of membership of the credit union, and members of their immediate family or household.
Other ways
- Open to organizations of eligible persons.
Branches
3 branches in Florida
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Florida
3 branches
Perry area · 1
- PerryMain office1825 S Jefferson St, Perry, FL 32348Directions
Madison area · 1
- Mad424 W Base St, Madison, FL 32340Directions
Tallahassee area · 1
- TLH Mahan3003 Mahan Dr, Tallahassee, FL 32308Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.46% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio9.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.46%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BCFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.