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Floridacentral

P.O. Box 18605, Tampa, FL 33679
NCUA Insured4.2 (133 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 18605

Tampa, FL 33679

Service Area

This credit union is located in Tampa and serves members in the FL area. Currently serving 43,564 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.25%

Used Auto Loan

5.75%

Personal Loan

9.99%

Credit Card APR

14.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

4.2

133 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ghost Writer

Ghost Writer

4 months ago

Alicia Buchanan was AWESOME! Friendly, fast, articulate, and went above and beyond to assist during the entire interaction. I will most certainly be coming back to FCCU for my banking needs and can confidently recommend them to friends and family! Thank you Alicia’s

Wanda Tkacs

Wanda Tkacs

7 months ago

I'm not a member but I take my mom to so her banking. Usually I stay in the car but this day mom was a little off with her balance so I walked her in the first thing she said was oh good my girl Tammie is working. Tammie is very patient with her and knows what she wants and how. It's wonderful how Tammie takes care of the elderly. Tammie has a beautiful personality.

Pierre Momplaisir

Pierre Momplaisir

10 months ago

My wife and I both needed vehicles this year. We thought this process would be a pain to go through. We could not be more wrong. Alicia Trottier was remarkable and so quick. We received calls immediately explaining the process. The process took less than 24 hours. She was professional, kind and efficient. She works like a machine. Our family is grateful for all your help!

Anthony Jaramillo

Anthony Jaramillo

7 months ago

Alicia and her team were great to work with. I was able to get my auto loan refinanced with them at 4.99%

Barbara Heath

Barbara Heath

a year ago

Samantha Olsen (Branch Manager) is absolutely amazing. This lady is always so willing to go out of her way to help me and my family. I have been a member since 1988 and there's been several times over the years that I have considered leaving, but because of Samantha we are happy yet again. It's hard to get people to help. Many many phone calls and sitting on hold can be so frustrating. But all I do is call her and within minutes she has everything sorted out and helps with whatever is needed. So grateful she is there. Her knowledge is impeccable, and in the rare case she doesn't know something she's willing to find out and return my phone call. You guys have a good one in her. Don't let her go. I truly hope management sees this and knows how lucky they are to have her working there. As a client I know!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).