Credit union · NCUA insured
Florida West Coast CU
Top CarrotA $141.4M credit union headquartered in Brandon, FL, with 11,273 members and 5 branches in Florida. Best rates: CDs 4.08% and savings 0.45% APY.
Florida West Coast CU Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#11 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Florida West Coast CU
Founded in 1942 as Hillsborough County Employees Credit Union, Florida West Coast Credit Union adopted its current name in 1984.
The credit union operates five branches and multiple ATMs serving members across Hillsborough and Pasco counties.
It serves Hillsborough and Pasco County government employees, Sheriff's Office and State of Florida employees, and their family members.
- Headquarters
- 1225 Millennium Pkwy, Brandon, FL 33511
- NCUA charter
- 67337
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Hillsborough and Pasco County Government employees are eligible for membership.
- Sheriff's Office employees and State of Florida employees are eligible for membership.
Family and household
- Family members of eligible employees/members are eligible to join.
Cost to join
- A initial deposit of $10.00 is required to join.
Branches
5 branches in Florida
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Florida
5 branches
- BrandonMain office1225 Millennium Pkwy, Brandon, FL 33511Directions
- Pasco7200 Ridge Rd Ste 1, Port Richey, FL 34668Directions
- Carrollwood10025 N Dale Mabry Hwy, Tampa, FL 33618Directions
- Kennedy601 E Kennedy Blvd, Tampa, FL 33602Directions
- Melbourne3020 Melburne Blvd, Tampa, FL 33605Directions
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 | 12.03% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio12.03%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ 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 Florida West Coast CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.