Credit union · NCUA insured
Florida Credit Union
Top CarrotA $2.7B credit union, the 185th largest of 4,329, headquartered in Gainesville, FL, with 180,764 members and 13 branches in Florida. Best rates: CDs 4.50% and savings 0.98% APY.
Florida Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#3 of 14 in Ocala, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Florida Credit Union
Founded in 1954, Florida Credit Union is a member-owned financial institution.
Headquartered in Gainesville, Florida, the credit union serves a 48-county field of membership.
- Headquarters
- 5670 SW 41st Blvd, Gainesville, FL 32608
- NCUA charter
- 60497
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone within Florida Credit Union's 48-county field of membership.
Cost to join
- Members are subject to maintaining a minimum $5 balance in savings upon approval.
Branches
13 branches in Florida
Loading map…
Florida
13 branches
Ocala area · 5
- Belleview10303 SE US Highway 441, Belleview, FL 34420Directions
- Country Oaks9680 SW 114th St, Ocala, FL 34481Directions
- Maricamp10 Bahia Ave, Ocala, FL 34472Directions
- Ocala Branch2424 SW 17th Rd, Ocala, FL 34471Directions
- Silver Springs3504 E Silver Springs Blvd, Ocala, FL 34470Directions
Gainesville area · 4
- 13th Street3720 NW 13th St Ste 10C, Gainesville, FL 32609Directions
- 43rd Street2831 NW 43rd St, Gainesville, FL 32606Directions
- Butler2803 SW 42nd St, Ste 10, Gainesville, FL 32608Directions
- Haile Branch2785 SW 91st St Ste 200, Gainesville, FL 32608Directions
Deltona area · 1
- Deland Branch1699A N Woodland Blvd, DeLand, FL 32720Directions
Lake City area · 1
- Lake City583 W Duval St, Lake City, FL 32055Directions
Starke area · 1
- Starke Branch2460 Commercial Dr, Starke, FL 32091Directions
Wildwood area · 1
- Trailwinds-Wildwood5804 Seven Mile Dr, Wildwood, FL 34785Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.70% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.80% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.46% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalNet worth ratio12.70%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.80%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.46%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Florida Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.