Our Value-Packed Accounts!

Florida Credit Union is owned by the very members we serve and not stockholders like other institutions. That’s why we’re able to offer FREE checking to everyone who banks with us! Find the financial products, features and friendly service you want with the convenient and reliable access you need.

Checking Features:

  • No monthly maintenance fee
  • No minimum balance requirement
  • Nationwide access to thousands of surcharge-free ATMs
  • No fee to transfer funds between accounts
  • Free Online Banking and Bill Pay
  • Free Mobile Banking App
  • Stay on top of your money with optional eAlerts
  • Set financial goals with our customizable online banking dashboard
  • Free Credit Score
  • Competitive interest-bearing accounts available


Membership Requirements:

Any person who works or resides in one of the 48 north and central Florida counties FCU serves is eligible for membership. Membership is also available to students in select counties.*

How to Join Florida Credit Union

All you need is $5 to open an account and become a member (and part owner) at Florida Credit Union! You can open an account: 

  • Online. You can apply 24/7! 
  • Call our Contact Center at 1-800-284-1144.
  • Visit one of our branches in Gainesville, Ocala, Starke, DeLand or Lake City.

Switch and close old accounts easily with ClickSWITCH™

We understand changing financial institutions can be stressful, but we don't think it has to be! That's why we've partnered with ClickSWITCH™, a free service to help you easily move your recurring payments, direct deposits and funds to your Florida Credit checking account. The fully automated process can take as little as 10 minutes.  Learn more about ClickSWITCH™.


*View our membership agreement for membership details.

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Cross Promotions

Mobile Deposit

Deposit checks with our app and a couple of quick snaps.

Online Bill Pay

Pay your bills quickly and efficiently using our Online Bill Pay.