Florida Central Credit Union

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A short history of Florida Central CU

Since its inception in 1954 the Florida Central Credit Union has been serving its members in the TAMPA, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Laida Garcia, the Florida Central CU has grown its membership to over 53,667 with assets of more than $455,138,278. They have a main office and 12 branch offices. Please see the credit unions website or contact them by phone at (813) 879-3333 or email them at info@floridacentralcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TAMPA, FL.

General Information For Florida Central CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67668
Address P.O. BOX 18605 
State Florida 
Zip-Code 33679
Phone Number (813) 879-3333
Fax Number () -
Email Address: info@floridacentralcu.com
CEO/President Laida Garcia
Members 53,667 
Full-Time Employees 117 
Part-Time Employees 13 
Number of Branch Offices 12 
Total Assets 455,138,278 
Website http://floridacentralcu.com 

Compare Florida Central Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Gte CU New Tampa 20761 Center Oak Dr 33647 (813) 871-2690 No 0.85
Florida Customs CU Tampa location 1624 E 7th Ave Ste 102 33605 (813) 248-1527 No 1.40
Tampa Bay CU Riverview Service Center 10845 Boyette Rd 33673 (813) 247-4414 No 2.33
St. Josephs Hospital CU Dunedin 712 Virginia St 34698 (727) 736-9965 No 3.11
Railroad & Industrial CU Zephyrhills 36239 State Road 54 33541 (813) 621-6661 No 4.08

Florida Central Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Florida Central Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 16.15 2.40 4.95 3.13 4.45
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 540 72 318 37 162
Rank Among All Florida Credit Unions 67 12 47 3 13

Florida Central Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.05 0.36 1.80 0.21
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 143 88 57 270
Rank Among All Florida Credit Unions 19 22 15 4 39
Florida Central Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 16.1506,1808,995,408
All Other Unsecured Loans/Lines of Credit 13.0502,6609,913,762
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.2205,37211,307,949
New Vehicle Loans 2.4005,601122,409,014
Used Vehicle Loans 4.9507,522111,481,598
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.13062748,041,309
Total Other Real Estate Loans/Lines of Credit 4.45077717,323,478
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.00068011,439,054
TOTAL LOANS & LEASES 29,419340,911,572

Florida Central Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 232,340,08100
    b. 15 Years or less 59043,636,885232,934,400
    a. > 15 years 121,921,40600
    b. 15 Years or less 2142,93700
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 50313,237,1951284,561,950
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2723,925,05824802,161
Open-End Fixed Rate 2161,22500
TOTALS 1,40465,364,7871758,298,511


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Florida Central Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes