FL Central Credit Union: A Comprehensive Guide to Membership and Services

FL Central Credit Union (FLCCU) is a not-for-profit financial institution that has been serving its members in Central Florida for over 70 years. The credit union offers a wide range of financial products and services, from savings and checking accounts to loans and credit cards, to help members achieve their financial goals. In this article, we’ll explore what FLCCU has to offer and how to become a member.

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Membership Eligibility

FLCCU membership is available to anyone who lives, works, worships, or attends school in Orange, Osceola, Seminole, or Lake County. Membership is also open to immediate family members of existing FLCCU members. To join, simply visit the FLCCU website or one of their six branch locations to complete a membership application and make an initial deposit of $5 to open a savings account.

Savings and Checking Accounts

FLCCU offers a variety of savings and checking accounts to meet the needs of its members. The Regular Share Savings Account is the primary savings account and earns dividends on the account balance. The credit union also offers youth savings accounts, holiday savings accounts, and vacation savings accounts to help members save for specific goals.

For checking accounts, FLCCU offers three options: Basic Checking, Advantage Checking, and Premier Checking. The Basic Checking account has no monthly fee and no minimum balance requirement. Advantage Checking offers free online banking and bill pay, while Premier Checking offers additional benefits like free checks and a higher interest rate.

Loans and Credit Cards

FLCCU offers a range of loan options, including personal loans, auto loans, home loans, and credit cards. Personal loans can be used for a variety of purposes, such as debt consolidation, home improvement, or unexpected expenses. Auto loans are available for new and used vehicles, with competitive rates and flexible repayment terms. Home loans include mortgages, home equity loans, and home equity lines of credit.

The credit union also offers Visa credit cards with no annual fee and low interest rates. FLCCU credit cards come with added benefits like fraud protection and reward points that can be redeemed for travel, merchandise, or gift cards.

Other Services

In addition to savings and checking accounts and loans, FLCCU offers a variety of other financial services to its members. Online and mobile banking allows members to access their accounts and perform transactions from anywhere. FLCCU also offers free financial education resources, including online articles and videos, to help members make informed financial decisions.

The credit union also offers insurance products, including auto insurance, home insurance, and life insurance, to help members protect their assets and their families. Additionally, FLCCU offers investment and retirement planning services to help members prepare for their future.

Why Choose FL Central Credit Union?

FLCCU is a member-owned financial institution that puts its members’ interests first. Because it is a not-for-profit organization, FLCCU is able to offer lower fees, higher interest rates, and better loan rates than traditional banks. The credit union is also committed to providing excellent customer service and financial education to its members.

FLCCU is a member of the CO-OP Shared Branch network, which allows members to access their accounts at thousands of credit unions across the country. Members can also use over 30,000 surcharge-free ATMs in the network, making it easy to manage their finances while traveling.


FL Central Credit Union is a trusted and reliable financial institution that provides its members with a wide range of financial services and products to help them achieve their financial goals. Whether you need a savings account, checking account, loan, credit card, or insurance, FLCCU has you covered. The credit union’s commitment to excellent customer service, financial education, and member ownership make it a top choice for anyone looking for a financial institution in Central Florida. If you’re eligible for membership, consider joining FL Central Credit Union to take advantage of all the benefits it has to offer.

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