Ficare Credit Union Clearwater FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Ficare, your trusted partner in financial wellness since 1960. Located at 300 Jeffords St, Clearwater, FL 33756, our branch is dedicated to supporting our community with a range of financial services that cater to your personal and business needs. Whether you're looking for savings accounts, auto loans, or mortgage refinancing, Ficare is here to help you achieve your financial goals. With a proud membership of 8,552 and total assets exceeding $79,069,677, we are committed to providing exceptional service tailored to each member. Our total deposits stand at $4,374,348, reflecting our strong foundation and commitment to safeguarding your savings. Under the leadership of CEO Denelle Miller and Board President Thomas Garthwaite, we strive to ensure that every member feels valued and empowered. At Ficare, we understand that trust is built through transparency. That's why we take pride in our robust financial health: with a net worth of $10,455,909 and cash in hand amounting to $1,121,750, you can rest assured that your finances are secure with us. Our experienced team of 31 employees is ready to assist you during our operating hours from Monday to Friday, 8 AM to 4 PM. While members can visit us at our Clearwater location for all their banking needs, official correspondence should be directed to the same address: 300 Jeffords St, Clearwater, FL 33756. We invite you to explore how Ficare can make a positive impact on your financial journey. Ready to take the next step? Visit us online at Ficare's website or give us a call at 813-870-4360 today!

Branch History & Mission

Community Engagement

At Ficare, we understand the importance of giving back. We have partnered with local organizations and initiatives aimed at uplifting our community. Through these partnerships and outreach programs, we aim to make a lasting impact on those around us. As we move forward into the future, Ficare remains dedicated to enhancing member experience through digital advancements and accessibility initiatives like ADA compliance. We invite you to join us at Ficare! Experience firsthand how we can assist you in achieving your financial dreams while being part of a supportive community network. For more information about membership or services offered, please visit our website or give us a call at (813) 870-4360. Together, let's build a brighter financial future!

Our Journey

Since opening our doors more than six decades ago, Ficare has experienced significant milestones that reflect our dedication to our members. We have continuously adapted to meet the evolving needs of our community while maintaining our core values of trust and support. Over the years, we have expanded our services to include personal banking options such as checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our mission is simple yet impactful: we strive to empower our members through financial education and personalized service. At Ficare, we believe that everyone deserves access to quality financial resources that help them achieve their goals. Our commitment extends beyond just providing services; we actively engage in community outreach efforts that foster growth and support within Clearwater.

Our Services

Ficare offers various services tailored to meet the diverse needs of our members. Whether you're looking for a reliable auto loan or seeking assistance with personal debt consolidation, our friendly team is here to guide you every step of the way. We also provide convenient online and mobile banking options that allow you to manage your finances on your terms. While members can visit us at 300 Jeffords St Clearwater Fl 33756, official correspondence should be sent to 300 Jeffords St, Clearwater, FL 33756 if different. Our branch operates Monday through Friday from 8 AM to 4 PM, ensuring that we are available when you need us most.

Branch Location & Accessibility

Accessibility Features

At Ficare, we prioritize accessibility for all our members. Our branch is fully compliant with ADA standards, featuring ramps and spacious entrances to ensure everyone can access our services with ease. Parking is available right outside, making it simple for you to pop in whenever you need assistance.

Get in Touch!

Have questions or want more information? Don't hesitate to give us a call at 813-870-4360. We encourage you to visit us soon our team is excited to meet you and help you achieve your financial goals!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 8 AM to 4 PM. Our friendly staff is ready to assist you during these hours, ensuring that you can get the support you need without any hassle.

Services Offered

Ficare offers a wide range of personal banking services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. While we currently do not offer ATM services or drive-thru banking at this location, our shared service center provides basic transactions for partner credit union members.

Member Eligibility

Joining the Ficare community is like becoming part of a close-knit family that truly cares about your financial well-being. To be eligible for membership at Ficare, you simply need to meet a few friendly criteria. If you live, work, or worship in the local area, or if you're related to someone who is already a member, you're warmly invited to join us! Being part of Ficare means access to personalized financial services tailored just for you, whether it's a checking account, auto loan, or even credit cards with rewards. Plus, our members enjoy lower fees and competitive rates that make banking easier on your wallet. Getting started is easy! You can find all the details about eligibility and how to become a member by visiting our website at https://www.ficarefcu.org/membership. Once you're ready to take the next step, check out the account opening process at https://www.financial-net.com/ficarefcu/lending/internetloans. If you have any questions or need assistance, feel free to reach out to us at 813-870-4360. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine having a reliable partner for all your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. With secure and efficient payment options, you can accept credit and debit cards easily, helping to enhance customer satisfaction and boost sales. Visit us at 300 Jeffords St Clearwater Fl 33756 in Clearwater, FL, or call us at (813) 870-4360 to learn how we can support your business goals today!

Comprehensive List Of Services

Accessibility and Support

Our friendly staff is always ready to help you navigate through all these services. Feel free to reach out by calling us at (813) 870-4360 during our operating hours: Monday through Friday from 8 AM to 4 PM. Whether you're stopping by in person or using our digital platforms, we're committed to making banking as easy as possible for you. We invite you to explore all the ways Ficare can serve you! For more details about eligibility or opening an account, visit us online at https://www.ficarefcu.org/ or check out our membership page at https://www.ficarefcu.org/membership. Let us be your trusted partner in achieving your financial goals!

Business Banking Services

If you're a business owner, we have tailored services just for you! From merchant services that help streamline transactions to business loans that support growth and expansion, we're here to assist every step of the way.

Credit Cards and Rewards

With our credit cards featuring rewards programs, you can earn points on everyday purchases that can lead to exciting perks. This means that every time you swipe your card for groceries or gas, you're also working toward something special.

Digital Banking Convenience

In today's fast-paced world, convenience matters. Our online and mobile banking services allow you to manage your accounts from anywhere. With features like mobile payments and person-to-person transfers, you'll have control over your finances right at your fingertips. Plus, you can access basic shared branch transactions for deposits and withdrawals through partner credit union members.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times, which is why our personal banking options are designed to simplify your life. Start with our checking and savings accounts that provide easy access to your funds while helping you save for the future. If you're in the market for a new vehicle, our auto loans and vehicle financing options make it easy to drive away in the car of your dreams without breaking the bank. For those looking to purchase a home or refinance an existing mortgage, we offer competitive mortgage loans that can fit any budget. Plus, if you're facing unexpected expenses or want to consolidate debt, our personal loans provide a straightforward solution to get you back on track.

Digital & Online Banking

Convenient Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.ficarefcu.org/, you can check your account balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, accessing your accounts is just a few clicks away. Our mobile application makes it even simpler, putting all the banking tools you need right in your pocket.

Effortless Payments and Transfers

Say goodbye to cash and checks! Our mobile payments feature allows you to make quick purchases directly from your smartphone. Need to send money to a friend? Use our person-to-person transfer option to send funds instantly and hassle-free. At Ficare, we aim to provide not just services but a complete banking experience that fits into your life seamlessly. Explore everything we have to offer today by visiting https://www.ficarefcu.org/!

Secure Transactions Made Easy

Security is our top priority. We utilize electronic signature authorization for safe transactions, ensuring that your sensitive information remains protected. Plus, with features like e-statements available for easy access, you can keep track of your financial activity without the clutter of paper statements.

Financial Strength

Growing Member Trust

We serve a growing base of members with a total of 18,810 share accounts, showing the trust that people place in us to handle their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ficare is your trusted partner. Visit us at 300 Jeffords St Clearwater Fl 33756 or call (813) 870-4360 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our $176,892 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $6,229,446 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,561 in used auto loans and $53,770,947 in total loans and leases.

Secured Savings

Members' savings are secured through $12,481,376 in share certificates and $4,435,642 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $10,455,909, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.17% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Solutions

In addition to auto and mortgage loans, we provide access to total credit lines of $9,000,000 for those who need extra flexibility in their budgeting. Whether it's for unexpected expenses or planned purchases, our credit line options are designed to give you the freedom you need. If you're interested in refinancing existing loans or checking your eligibility for any of our products, visit our website or call us at (813) 870-4360. We're here to help guide you through the process and find the best loan option for your needs. For further information on all our services, feel free to visit us at 300 Jeffords St Clearwater Fl 33756 in Clearwater, FL, or check out our website at Ficare. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,683,932 in used vehicle loans and $12,549,308 in new vehicle loans already helping members get on the road. Whether you are considering financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,772,044, make buying or refinancing simple. We provide competitive rates and flexible terms to ensure that your path to homeownership is as smooth as possible.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $2,932,181 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your finances under control.

Loan Aggregator

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FICARE FEDERAL CREDIT UNION - Clearwater, FL

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