Credit union · NCUA insured
FiCare Federal Credit Union
A $81.1M credit union headquartered in Wesley Chapel, FL, with 8,061 members and 5 branches in Florida. Best rates: CDs 4.15% and savings 0.50% APY.
FiCare Federal Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#16 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FiCare Federal Credit Union
Established in 1960 as St. Joseph's Hospital Federal Credit Union in Hillsborough County, FiCare Federal Credit Union is a member-owned credit union tailor-made for healthcare professionals nationwide.
The credit union acquired West Coast FCU in 2016, adopted the name FiCare in 2018, and acquired My Healthcare FCU in 2023.
FiCare operates physical branch locations in Tampa, Lutz, Wesley Chapel, Clearwater, and Gainesville.
- Headquarters
- 26644 Silver Maple Pkwy, Wesley Chapel, FL 33544
- NCUA charter
- 13902
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, independent contractors, or self-employed persons who work regularly in the healthcare industry are eligible for membership.
Military, government and schools
- Employees of healthcare academic institutions are eligible for membership.
- Healthcare students are eligible for membership.
Family and household
- Family members of healthcare industry workers, healthcare students, or healthcare academic institution employees are eligible for membership.
- Relatives of a current member of the credit union are eligible for membership.
Cost to join
- An initial share deposit of $5.00 is required to open an account.
Branches
5 branches in Florida
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Florida
5 branches
Tampa area · 4
- Wesley Chapel BranchMain office26644 Silver Maple Pkwy, Wesley Chapel, FL 33544Directions
- Morton Plant300 Jeffords St, Clearwater, FL 33756Directions
- North4211 Van Dyke Rd, Suit 103A, Lutz, FL 33558Directions
- Main3001 W Dr Martin Luther King Jr Blvd, Tampa, FL 33607Directions
Gainesville area · 1
- Gainesville4720 NW 39th Ave, Gainesville, FL 32606Directions
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 | 13.07% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.94% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $75 | $59 | — |
- CapitalNet worth ratio13.07%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.94%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$75Peers’ 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 FiCare Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.