Florida Credit Union @ flcu.org

The Florida Credit Union founded in 1954 and the headquarters is in Gainesville, Florida, United States. It serves in the area of North Central Florida. The main aim of the credit union is to serve their members and communities with efficient, convenient services, and good quality products to meet their daily and long-term financial needs. The vision of the credit union is to make their members lives better.

The Florida Credit Union is a State chartered credit union for teachers. It was initially named as Alachua County Teacher’s Credit Union and owned and authorized by the Alachua County School System.

As of 2018, the credit union had $1.09 billion and 101,000 members.

The services provided by the Florida Credit Union are as follows:

  • Savings Account, Checking, Money Market Accounts
  • Mortgages, Vehicle Loan, Home Equity Loan, Student Loan, and Personal Loan
  • Credit card

The Florida Credit Union rates for the services provided by them are as given below.

  • Auto Loan Rates
  • Recreational Vehicle (RV) Loans
  • Personal Loans
  • Mortgage Loans
  • Credit card


Registration for Online Banking

The steps for the online registration process of Florida Credit Union account are as given below:

  • Visit the official site of the Florida Credit Union


  • Go to the Login option
  • Select Registration for Online Banking

A new window will open, select the type of account you want to open- Individual or Business

  • After selecting the type of account, a window will open where you need to read terms mentioned
  • Then tick the box to confirm that you agree

And click on Continue

  • Then enter your details like social security number, date of birth, account number, Email address, and Zip code
  • And press continue
  • Then follow the steps and complete the registration process
  • And your account will be activated

Florida Credit Union Login

The steps for the Florida Credit Union login are as follows:

  • Visit the site of the credit union


  • Go to the Login option and enter your Username
  • And click on Login

Steps to retrieve the forgotten username

  • Visit the site and in the login options click on Forgot Username
  • You can directly visit the given link,


  • Enter all the details as asked
  • Click continue
  • And thus you will retrieve the username

Steps to recover the forgotten password are as follows:

  • Visit the site and go to the Login options and click on Forgot password
  • Or visit the given link,


  • Tick on the I Agree box
  • And click continue
  • Then you need to enter your details as asked and complete the process

Florida Credit Union App

  • You can download the application of the Florida Credit Union from Google Play Store or App Store



  • Enter your username and password
  • And login

Features of using the Florida Credit Union App

  • You can check your account balance
  • Easily transfer funds to your account
  • View the transaction history
  • You can pay your loans
  • Secure messaging for support
  • Pay your bills using Bill Pay

Florida Credit Union routing number

The Florida Credit Union Routing number is 263178410.

The NMLS number is 281350. The routing is present at the bottom of the check beside the account number.

Florida Credit Union Reviews

The Facebook reviews regarding the credit union are as given below:

  • I’ve been a long time member for years. I’m thankful for the hard working Florida Credit Starke Branch Team, my financial team and family. A special shot out to my Senior Loan Officer Ryan S. for helping me through another smooth auto purchase.” – Luciana W., December 2019
  • I’ve had great customer service every time! I made a call today to get some of my finances figured out and Alicia was a great person to talk to! Very sweet and understanding. I love this bank! 🙂 *I would give her 6 stars if I could!” – Tara S., October 2019

The Goggle reviews are as follows:

  • Kudos!! To Mr. Michael S. at the Maricamp Branch in Ocala He helped me with my auto loan and line of credit. He is a very professional person, has a great sense of humor. Customer Service was awesome!!’ Thank you for your guidance, many blessings to you 🙂 Florida Credit Union does it better!!!” – Marilu B., September 2019
  • I love my Florida credit Union. Every time I go in there Katy S. helps me out she gives 200% to make me happy. I also love the fact that their location in Butler Plaza is open until 5pm on Saturdays!!” – Janel H., April 2019
  • Went to Florida Credit Union in Starke, Fl and customer service Agent Melanie was superb. Keep up the good work. It was a pleasure doing business with you. I will always recommend your branch. Florida Credit Union, Starke Florida is the place to go for all loans and other transactions. Thank you” – Maxine L., April 2019

The Florida Credit Union ratings for the application are 4.6 out of 5.0 for the Android users and 4.8 out of 5.0 for the iOS users. The users are satisfied using the application.

 Florida Credit Union Locations

The Florida Credit Union serves in 45 counties of Florida. It has 11 branch locations situated. The details of the Florida Credit Union branch locations are as listed below in the table.

NameAddressContact Number
43rd Street Office2831 NW 43rd Street, Gainesville3523774141
13th Street Office3720 NW 13th Street, Gainesville3523774141
Haile Market Square Office2785 SW 91st Street, Gainesville3523774141
Butler Plaza North Office2803 SW 42nd Street, Suite 10, Gainesville3523774141
Lake City Office586 w. Duval Street, Lake City3867554141
Ocala Office2424 SW 17th Road, Ocala3522378222
Silver Springs Office3504 E. Silver Springs Blvd., Ocala3522378222
Country Oaks Office9680 SW 114th Street, Ocala3522378222
Maricamp Office10 Bahia Avenue Lane, Ocala3522378222
Starke Office2460 Commercial Drive, Starke9049641427
DeLand Office1735 N. Woodland Blvd., DeLand3867384717

About Florida Credit Union

In 2019, the credit union had 1,266,313,568 in assets and serves 111,000 members in 45 counties of Florida. It is the leading credit union in North and Central Florida and continues to expand its product and services while making an effort to make sure that each and every member’s financial needs are not just met, are fulfilled and exceeded.

As the Florida Credit Union is owned by the members, so the members are only the stockholders. The profits earned are used as capital to meet the requirements and for the expansion of the credit union, to the members in the form of better rates and advanced technology. The credit union is authorized under the given cooperative principles:

  1. Voluntary and Open Membership – The FCU membership is open to all in their start approved field of membership for those who are interested in using the FCU services and ready to handle the responsibilities
  2. Democratic Member Control – The members of the credit union select the individual who serve as elected trustees
  3. Member Economic Participation –  Members are benefited proportionally according to their level of participation from full utilization of resources that are available through the credit union
  4. Autonomy and Independence – Financial services are offered to members who control the organization
  5. Education, Training, and Information – Information is shared with the members, elected representatives, and staff to make sure the further development of the organization
  6. Cooperation Among Cooperatives –  Working with local, regional, national, and International groups to advance knowledge and service availability
  7. Concern for the Community –  To provide services and programs to benefit the members
  8. Solidity – As a member owned organization, the FCU has deep roots in the community. This strong foundation means they can’t be bought and sold, they are here for the long term, and stand by to provide financial services to local consumers and small business.

Balance sheet of the Florida Credit Union

The Credit Manager is appointed by the Board and is responsible for the approval of loan applications in compliance with Board approved policies. In 2019, Florida Credit Union originated over $452 million in loans of all types. The most popular loan products in 2019 were autos, credit cards, commercial loans, and first mortgages.

  • Real Estate Loans: 906 units | $75,134,473
  •  Auto Loans: 12,836 units | $301,379,999
  • Consumer Loans: 37,000 units | $377,230,474
  • Commercial Services: 58 units | $62,663,110

The Qualifications to become a member of Florida Credit Union

  • One must be living, working in Florida
  • Family members (son, daughter, mother, father, brother, and sister) of the current member working in the field of membership

To become a member and get the membership of the Florida Credit Union you need to have the following details.

  • Government issued ID/ Drivers License, Passport with current address
  • Date Of Birth
  • Social Security Number
  • Email address

Steps to become a member of the Florida Credit Union

  • Visit the Florida Credit Union site


  • Go to the Apply and Open option
  • Select Become a member option
  • A window will open where you need to complete the 3 steps process
  • So first select your eligibility, products and click on Continue
  • And proceed to second step
  • And complete the process and you will get the membership of the Florida Credit Union 

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