Credit union · NCUA insured
Floridacentral Credit Union
A $622M credit union headquartered in Tampa, FL, with 43,878 members and 13 branches in Florida. Best rates: CDs 4.25% and savings 0.05% APY.
Floridacentral Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#25 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Floridacentral Credit Union
Floridacentral Credit Union is a member-owned financial cooperative serving individuals across ten Florida counties, including Hillsborough, Pinellas, Orange, Pasco, and Polk.
- Headquarters
- 3333 Henderson Blvd, Tampa, FL 33609-2955
- NCUA charter
- 67668
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, or attend school in Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota County, Florida.
Employers and groups
- Eligibility is open to individuals who work for a participating organization.
Family and household
- Eligibility is open to individuals who qualify through an immediate family member.
Cost to join
- A $5 initial share deposit opens a Member Share Account and establishes membership in Floridacentral Credit Union.
Branches
13 branches in Florida
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Florida
13 branches
Tampa area · 9
- Main OfficeMain office3333 Henderson Blvd, Tampa, FL 33609Directions
- 60- Brandon Branch334 Oakfield Dr, Brandon, FL 33511Directions
- 43- Clearwater Branch2201 NE Coachman Rd Ste 101, Clearwater, FL 33765Directions
- 21- Trinity Branch10175 State Road 54, New Port Richey, FL 34655Directions
- 40- Seminole Branch8202 113th St, Seminole, FL 33772Directions
- 45- St. Petersburg Branch400 16th St N, St. Petersburg, FL 33705Directions
- 10 - South Tampa3902 Henderson Blvd, Tampa, FL 33629Directions
- 15- Citrus Park Branch8620 Citrus Park Dr, Tampa, FL 33625Directions
- 70 - New Tampa Branch17502 Dona Michelle Dr, Tampa, FL 33647Directions
North Port area · 2
- 30- Bradenton Branch701 9th St W, Bradenton, FL 34205Directions
- 35 - Sarasota Branch3451 Cattlemen Rd, Sarasota, FL 34232Directions
Lakeland area · 1
- 50- Lakeland Branch4630 S Florida Ave, Lakeland, FL 33813Directions
Punta Gorda area · 1
- 80- Port Charlotte Branch1600 Tamiami Trl, Port Charlotte, FL 33948Directions
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 | 7.83% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.69% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio7.83%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.69%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 Floridacentral Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.