Make the most of every holiday purchase!

New FCU Visa® Promo

Your everyday purchases can earn extra points just by using your FCU Visa® rewards card. From gift shopping to holiday gatherings, your seasonal spending can really pay off.

Learn More
Florida Credit Union Branch

About Florida Credit Union

Serving Members Since 1954

Florida Credit Union serves our members and communities with efficient, convenient services and quality products that meet their everyday and long term financial needs.

Why FCU?

  • Member-Owned
  • 24/7 Access
  • Better Rates
  • Community Focused
  • Free Checking
  • Much More
Join FCU Today About us

Our Featured Rates

Home Equity Line of Credit

Intro APR

4.99%

for 6 months

Learn More

Certificate Specials

7 month CD APY

4.00%

13 month CD APY

4.25%

Learn More

Auto Loans

No payment

$0

for the first 90 days!

Learn More

5/1 Adjustable Rate Mortgage (ARM)

APR as low as

5.88%²

Interest rate as low as

5.50%

Learn More

Subject to credit approval. Select learn more for terms and details.

Join Florida Credit Union’s Holiday Food Drive!

Help us make the season brighter for families in need! From November 3 through December 3, all Florida Credit Union branches are collecting non-perishable food items to support communities. Donate canned goods, fruit cups, instant potatoes, cereal, oatmeal, grits, cookies, crackers, rice, peanut butter, jelly, boxed meals, macaroni & cheese, and stuffing mix. Every item counts—together, we can help our neighbors enjoy a full and joyful holiday season!

Learn More Find your nearest FCU branch to donate today!

Enjoy the Season of Savings

Looking for a sure thing on the road to a specific savings goal? With a Certificate of Deposit (CD) or IRA CD from Florida Credit Union, you can feel confident that your savings will grow without worrying about the changing market. 4.00% APY on 7 month CD and 4.25% APY on 13 month CD.

Learn More Learn More

FCU Local Heroes® Program

Florida Credit Union is proud to recognize the dedication of first responders, teachers, medical professionals, and military personnel through our FCU Local Heroes® program. As a token of our appreciation, eligible heroes can receive a $575 lender credit at closing3 on their first mortgage. It’s our way of saying thank you and supporting your journey to homeownership.

Learn More Learn More

Get Up to $400 to Refinance an Auto Loan

Get up to $400 when you bring an auto loan from another lender to Florida Credit Union.

Learn More Become a Member
Loyal member, Amy Evans

Amy Evans

Ocala • Member for 20+ years

"We started a youth account for our 9-year-old daughter a couple of years ago to begin teaching her about different ways to manage her money, how to save and how to better prepare her for her financial future."

Loyal member, Demarcus Graham

Demarcus Graham

Lake City • Member for 10+ years

"Going through dialysis and getting on a transplant list is financially taxing and expensive. I would come here, deposit the check, and it would hit my account that day... It took a lot of stress off of me."

Loyal business member, Michael Beard

Michael Beard

President • Elevated Design & Construction

"One thing I love about working with Florida Credit Union is you get an opportunity to share your vision, you get an opportunity to share your goals, and they’re going to try to figure out how to make those goals happen."

News & Events

View All

DISCLOSURES


1. Offer valid for Wave Rewards, Platinum Rewards, Platinum Wave, Select™ Visa Signature®, Business Rewards, and Commercial Rewards cardholders from November 24 through December 31, 2025. Maximum bonus award per account is 15,000 points (equivalent to $150). Bonus points will be posted to cardholder accounts within 4–6 weeks after the promotion ends. Promotional 3x, 4x, and 5x points earning rates are not in addition to your standard points rate. Promotional earning rates represent an upgraded earning rate that replaces your card’s regular points rate for qualifying purchases during the promotional period. For example, if your card normally earns 2x points on certain purchases and you qualify for 4x points during the promotion, you will earn 4x, not 6x, for those purchases. Bonus points expire 12 months after issue date. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the credit card agreements


2. Subject to credit approval. APR = Annual Percentage Rate. This is a special and limited time offer that can be discontinued anytime based on market conditions. Your rate may be higher based on your creditworthiness and property valuation. An adjustable rate mortgage loan (ARM) with a fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its term. Special rate for in-house portfolio loan only. 5/1 Year ARM with no points and an estimated $4,000 closing cost monthly payment example: The payment on a $100,000 loan would be $567.79 per month at an adjustable interest rate of 5.50% and a 5.88% APR with a 360 month term. ARM rates subject to increase during the loan term. This payment and rate would be in effect for the first five years with annual adjustments thereafter according to the disclosure above. Rate quoted as of 10/29/2025. Down payment requirements and interest rate are based on borrower’s creditworthiness.


3. “FCU Local Heroes™” lender credit program: Available to first responders, teachers, licensed medical professionals, and military personnel (active and veterans) for a first mortgage purchase or refinance application. Eligibility requirements apply. Second and investment residences not eligible. This program offers a credit at closing of $575. This offer is subject to change without notice. Other terms and conditions may apply. Available for new applications submitted on 1/1/2025 and forward.