Big-bank offerings with hometown service
  • Live or work in 31 counties
  • Join online, by phone or at an FCU branch
  • Enjoy a full range of banking services
  • Benefit from our financial technology

We call it the Florida Credit Union difference. Yes, we're like a bank in many ways, in that we offer deposit accounts, many loan types, cutting-edge financial technology and an array of other services. But instead of prioritizing profits, we're focused on you, your goals, and your financial future. So visit one of our friendly branches in North and Central Florida or find out how convenient it is to manage your finances online. You'll find your banking experience has never been better - and becoming a member has never been easier.

Map of membership coverage area

Credit unions call their customers "members," but at Florida Credit Union there's no membership fee. Joining FCU is free. All you have to do is open a savings account with a $5 balance. That small deposit actually buys you one share of ownership in FCU!

  • It's easy to join online
  • Call our Contact Center at 1-800-284-1144
  • Visit one of our branches in Gainesville, Ocala, Starke, DeLand or Lake City.

It's not hard to qualify for membership. All you have to do is live or work in one of the 31 north and central Florida counties listed below. Membership is also open to businesses and other legal entities located in the same counties. Join 90,000 other members in experiencing the Florida Credit Union difference.

As a member of Florida Credit Union, you are a co-owner of one of the strongest credit unions in North and Central Florida. Since we are a not-for-profit organization, you, the co-owners benefit from lower or no fees on products and services, lower cost on loans and higher rates on savings and CDs. 

We offer all the services you would expect from a banking institution with the many extras that come with being a FCU member:

  • Full-service branches and ATMs (which are surcharge-free for members)
  • Internet & Mobile Banking platforms to stay connected with your money anywhere, anytime.
    • check balances and transactions
    • make payments using bill pay or Popmoney for person to person or person to business payments and transfers
    • transfer funds
    • remote deposit checks
    • view credit card transactions (not available through the mobile app)
    • apply for a loan
  • Great services you can expect from your credit union
    • Free checking accounts
    • Commercial  banking services
    • Commercial loans
    • Low-interest mortgages
    • Car, Truck, Boat, and motorcycle loans
    • Online and mobile banking
    • Personal and business Visa credit cards
    • And much, much more!
  • Deposits are federally insured for up to $250,000 by the National Credit Union Administration, a government agency.

Florida Credit Union follows these seven cooperative principles in everything we do:

  • Voluntary and open membership
  • Democratic member control
  • Member economic participation
  • Autonomy and independence
  • Informational education and training
  • Cooperation among cooperatives
  • Concern for the community


These seven principles, and our continued commitment to providing our members with the best financial services possible, is what constitutes the Florida Credit Union Difference.

Remember, the real difference between Florida Credit Union and other credit unions lies in the nature of our organization:

  • FCU is a financial services cooperative – that means we’re owned by our stockholders, or ‘members’, and are committed to supporting them and their needs.
  • Unlike banks, FCU can’t be bought or sold.
  • Our profits and earnings are invested in the needs of our membership to help ensure we provide the best banking services possible, through higher rates of return and lower loan costs.

Established in 1954 as a state-chartered credit union for teachers, FCU was originally named the Alachua County Teachers’ Credit Union, and was owned and operated by teachers working in the Alachua County School System. After the first annual meeting in 1955, FCU began to add more school systems, community colleges, and other educational groups in the area, which helped grow and improve the credit union’s offerings.

Over 60 years later, FCU is now a leading credit union in North and Central Florida that serves 31 counties, and continues to expand its products and services while striving to ensure each and every member’s financial needs aren’t just met – they’re exceeded.

Contact or Visit Your Local Florida Credit Union Branch.

Visit or call your local Florida Credit Union branch today to learn more about our personal and business banking and loan services, investment capabilities, and financial education tips and tools.

We look forward to showing you the FCU Difference.

Share the Wealth – Refer a Friend

Already a member of Florida Credit Union? You can earn $50 for you and a friend through FCU’s Refer a Friend program. Fill out the online registration and start spreading the news by clicking here.

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