Credit union · NCUA insured
ECU Credit Union
A $35.9M credit union headquartered in Largo, FL, with 2,336 members and 2 branches in 2 states. Best rates: savings 1.26% APY.
ECU Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#41 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ECU Credit Union
Formed in June 1963 by employees and families of Eckerd Drug Company, ECU Credit Union is a member-owned cooperative financial institution.
Formerly known as Eckerd Credit Union, it primarily serves employees of CVS Health and Rite Aid, along with surrounding Florida communities.
- Headquarters
- 8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
- NCUA charter
- 67336
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live or work in the Florida counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole.
Employers and groups
- Membership is open to employees located at the Bardmoor Palms Facility.
- Membership is open to employees of companies located in the same complex as an ECU Credit Union branch office.
- Membership is open to employees of CVS Health.
- Membership is open to employees of Eckerd Kids.
- Membership is open to employees of Rite Aid.
4 more ways to join
Employers and groups
- Membership is open to subcontractors working primarily in a facility of the sponsor.
- Membership is open to employees of Walgreens.
Family and household
- Membership is open to family members of an existing member.
Other ways
- Membership is open to former ECU Credit Union members.
Cost to join
- A savings (share) account with a minimum balance of $25.00 is required to establish and maintain membership.
Branches
2 branches in 2 states
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Florida
1 branch
- FairwaysMain office8250 Bryan Dairy Rd Ste 150, Largo, FL 33777Directions
Texas
1 branch
- Houston16597 Interstate 45 S, Conroe, TX 77385Directions
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 | 17.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.56% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $53 | $59 | — |
- CapitalNet worth ratio17.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.56%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$53Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 ECU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.