Florida Central Credit Union Lakeland FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Florida Central, your trusted partner in financial well-being since 1954. Located at 4630 S Florida Ave, Lakeland, FL 33813, our branch is dedicated to serving the community with integrity and care. With a strong foundation built over the years, we proudly serve 45,323 members, making us a cornerstone of support for individuals and families in the Lakeland area. At Florida Central, we understand that every financial journey is unique. Our total assets amount to an impressive $604,366,572, and we offer a wide array of services tailored to meet your needs from checking and savings accounts to auto loans, mortgage options, and business banking solutions. With $57,134,631 in deposits and a net worth of $46,284,366, you can trust that your money is safe with us. Led by our dedicated CEO, Linh Dang, and Board President William Mignone, our team of 134 employees is here to provide personalized service that puts you first. We are not just about numbers; we believe in making a positive impact in our community. Whether you're looking to purchase your first car or need assistance with debt consolidation, we're committed to helping you achieve your financial goals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4630 S. Florida Ave., Lakeland, FL 33813. We invite you to explore our website at floridacentralcu.com for more information about our services or to get started on your next financial venture. Ready to take the next step? Call us today at 863-687-4166 or drop by during our lobby hours Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 6:00 PM. At Florida Central, we're more than just a credit union; we're your financial family.

Branch History & Mission

Our Journey

From humble beginnings, Florida Central has blossomed into a vital institution within the Lakeland area. With total assets exceeding $604 million, we have continuously expanded our offerings to meet the diverse needs of our members. Over the decades, we've embraced advancements in technology to enhance our services while maintaining a personal touch that fosters lasting relationships. Our drive-thru banking and ATM services ensure convenient access for all members.

Our Mission

Our mission is simple yet profound: to empower our members by providing accessible financial solutions that promote their well-being and success. We believe that strong communities are built on solid financial foundations. This commitment drives us to support local initiatives and outreach efforts aimed at enriching the lives of those around us. Whether it's through offering competitive loan rates or engaging in community service projects, we strive to make a positive impact every day. While members can visit us at 4630 S Florida Ave Lakeland Fl 33813, official correspondence should be sent to 4630 S. Florida Ave., Lakeland, FL 33813. Our dedicated team is here during lobby hours from Monday through Thursday, 8:00 AM to 5:00 PM, and Friday from 8:00 AM to 6:00 PM, ready to assist with any financial needs. As we look toward the future, Florida Central remains focused on enhancing member experiences through innovative digital banking options and customer-centric initiatives. We invite you to join us on this journey. Experience firsthand how Florida Central can help you achieve your financial goals while becoming an integral part of a supportive community network. Let's build a brighter future together!

Branch Location & Accessibility

Convenient Access

Our location features ample parking spaces, so you won't have to worry about finding a spot when you visit us. The branch is designed with accessibility in mind, equipped with ADA-compliant features to ensure everyone can easily access our services. Whether you prefer visiting us in person or using our drive-thru banking option for quick transactions, we've got you covered.

Get in Touch!

While members can visit us at 4630 S Florida Ave for all their banking needs, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, don't hesitate to call us at 863-687-4166. We invite you to come by and experience the welcoming atmosphere at Florida Central! Your financial journey starts here!

Operating Hours & Services

We understand that your time is valuable. That's why we offer flexible operating hours: from Monday to Thursday, we're open from 8:00 AM to 5:00 PM and extend our hours until 6:00 PM on Fridays. Our friendly staff is here to assist you with a range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. For those who prefer self-service banking, our ATM is available for cash withdrawals and balance checks anytime. If you're on the go or just prefer the convenience of mobile banking, we also offer online services that allow you to manage your accounts from anywhere.

Member Eligibility

Joining the Florida Central family is not just about opening an account; it's about becoming part of a community that cares for your financial well-being. At our Lakeland branch, located at 4630 S Florida Ave, we welcome individuals who live, work, worship, or attend school in certain areas of Polk County. This means that if you share a connection with us through these avenues, you're likely eligible to become a member! We believe everyone deserves access to friendly and personalized banking services, and membership with us opens doors to better financial opportunities. For a detailed overview of eligibility criteria, please visit our website at Florida Central Eligibility. Getting started is easy! Once you confirm your eligibility, you can open an account online by visiting Florida Central Account Opening. Our team is here to assist you every step of the way. If you have any questions or need more information, don't hesitate to give us a call at 863-687-4166. We look forward to welcoming you into the Florida Central community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine easily processing payments from customers without the hassle of complex systems. Our merchant services simplify transactions so you can focus on what you do best running your business. From credit card processing to online payment solutions, we equip you with the tools needed to thrive in today's market. Located at 4630 S Florida Ave, Lakeland, FL 33813, we invite you to visit us or call 863-687-4166 to learn how our services can benefit your business. At Florida Central, we're here to help you grow!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $161,087, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Access

Need cash quickly? Our branch includes an ATM for easy withdrawals and balance checks when you need them most. Additionally, our basic drive-thru service allows for quick deposits, withdrawals, and simple transactions without needing to leave your car. At Florida Central in Lakeland, FL, we are more than just a credit union; we are a partner in your financial journey. Our friendly staff is here to assist you every step of the way. For more information about how we can serve you or to explore any of our services further, please call us at 863-687-4166 or visit us online at floridacentralcu.com. Let us help you achieve your financial goals today!

Business Banking Support

For entrepreneurs and business owners, we understand that your time is precious. Our business banking services, including merchant services and business loans, are crafted to support your growth. We believe in empowering local businesses, ensuring they have the resources needed for success.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Check balances, transfer funds, or pay bills anytime from anywhere using our user-friendly mobile app or website. Our members enjoy easy access to their finances with features like mobile payments, person-to-person transfers, and e-statements.

Personal Banking Solutions

Navigating your finances can be challenging, but with our personal banking services, it doesn't have to be. We offer checking and savings accounts that cater to different lifestyles and financial goals. If you're planning on purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. Thinking about home ownership? Our mortgage loans and refinancing services guide you through the process smoothly. You can also turn to us for personal loans and debt consolidation whether it's funding for a big project or managing existing debt. Plus, our credit cards with rewards make everyday purchases rewarding.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to cluttered mailboxes! With our e-statements feature, you can access your financial statements online, ensuring that you have your records handy whenever you need them. Additionally, our mobile payments feature allows you to make quick purchases right from your smartphone. It's convenient and safe, letting you leave your wallet behind when you're on the go.

Key Features

Our online banking services, available at https://www.floridacentralcu.com/, provide members with the flexibility to manage their accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, with electronic signature authorization, you can complete important transactions without the need for paper forms, making processes smoother and more efficient.

Real-Time Management

Our mobile application brings all these features directly to your fingertips. You can easily initiate person-to-person transfers with just a few taps perfect for splitting bills or sending money to friends. The app is designed for simplicity and speed, so you spend less time managing your finances and more time enjoying life. At Florida Central, we prioritize security in all our digital banking services. You can bank confidently knowing that your personal information is protected with advanced security measures. Experience the freedom of managing your finances on your terms with our digital and online banking services at Florida Central!

Financial Strength

At Florida Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our financial strength is built on a solid foundation of trust, reliability, and commitment to serving you. With a net worth of $46,284,366, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 765% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $151,803,692 in share certificates and $27,888,529 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $14,488,854, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $38,572,733 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity to support your financial goals is evident with $21,823 in used auto loans and a total of $389,430,130 in loans and leases available to help you achieve your dreams. Our financial performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 122 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $831,704. Total Share and Deposit Accounts: 123,740, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Florida Central is your trusted partner. Visit us at 4630 S Florida Ave Lakeland Fl 33813 or call 863-687-4166 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.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $130,527,310 in used vehicle loans and $54,393,871 in new vehicle loans already helping members get on the road. We provide financing options that can fit any budget and lifestyle. Plus, if you're considering refinancing your current auto loan for better rates or terms, we have options available.

Business Loans

For business owners, our outstanding commercial loans totaling $161,087 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to help you navigate them with tailored solutions. Our branch is located at 4630 S Florida Ave, Lakeland, FL 33813, where our friendly team is ready to assist you. You can reach us at 863-687-4166 during our operating hours: Monday-Thursday from 8:00 AM - 5:00 PM and Friday from 8:00 AM - 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information on eligibility or to start your application process today, visit us online at Florida Central. No matter where you are in life's journey, Florida Central is here to help you secure the financing you need!

Credit Lines

If you need additional flexibility for unexpected expenses or projects, our total credit lines amount to $65,000,000. This allows you to access funds as needed without having to apply for separate loans each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $40,545,933, make buying or refinancing simple. We aim to guide you through every step of the process with personalized service tailored to your unique situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,932,199 in loans helping members manage their finances effectively. Our credit cards come with benefits that can enhance your purchasing power while keeping your budget in check.

Loan Aggregator

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FLORIDACENTRAL CREDIT UNION - Lakeland, FL

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