Florida Central Credit Union New Port Richey FL | Top Auto Loans & Mortgage Refinancing

Introduction

Welcome to Florida Central, your trusted financial partner since 1954. Located at 10175 State Road 54, New Port Richey, FL 34655, we are proud to serve our community with a commitment to providing exceptional financial services tailored to your needs. With over 45,000 members, we understand the importance of building relationships based on trust and reliability. At Florida Central, we take pride in our robust financial health, boasting total assets of $604,366,572 and total deposits reaching $57,134,631. Our dedicated team of 134 employees, led by CEO Linh Dang and Board President William Mignone, works tirelessly to ensure you receive the best possible service. Whether you're looking for personal banking options like checking and savings accounts or exploring auto loans and mortgage refinancing, we have solutions to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 10175 State Road 54, New Port Richey, FL 34655-1864. We invite you to explore what Florida Central has to offer by visiting our website at floridacentralcu.com or giving us a call at 727-326-1280. Join us in making a positive impact on our community as we continue to grow together!

Branch History & Mission

Community Commitment

Over the years, Florida Central has developed strong ties within the New Port Richey community through various outreach programs and partnerships. We actively participate in local events and sponsor initiatives aimed at improving the lives of those around us. From educational workshops to charitable contributions, we are proud to give back and make a positive impact.

Modern Banking Services

In an effort to enhance convenience for our members, we offer digital banking options including online banking and mobile payments. Our commitment to accessibility includes ADA compliance measures and ATM availability at our branch for easy cash withdrawals or balance checks. As we look toward the future, Florida Central remains dedicated to serving not only as your financial institution but also as a pillar of support in your life. Join us today and experience how we can help you achieve your financial goals while being part of a caring community. To learn more about becoming a member or explore our services further, please visit Florida Central's website or call us at 727-326-1280. Together, let's build a brighter financial future!

Our Mission

At Florida Central, our mission goes beyond just banking. We strive to empower our members by offering a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. We believe in putting our members first and are dedicated to fostering financial well-being within our community. We understand that each member's journey is unique. That's why we focus on personalized service and community support. Our team is here to assist you with any financial questions or needs you may have. While members can visit us at our main branch address, official correspondence should be sent to 10175 State Road 54, New Port Richey, FL 34655-1864 if different from our physical location.

Branch Location & Accessibility

Operating Hours

We understand that life gets busy, which is why our lobby hours are designed to fit your schedule. Visit us Monday through Thursday from 8:00 AM to 5:00 PM and on Friday from 8:00 AM to 6:00 PM. Whether you're looking to open an account or need support with loans or credit cards, we're available during these hours to assist you.

Services Offered

Our Florida Central branch offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're a business owner, we also provide merchant services and business loans to help your enterprise thrive. And don't forget about our convenient ATM access and drive-thru banking for quick deposits and withdrawals! While members can visit us at our branch location, official correspondence should be sent to the same address: 10175 State Road 54, New Port Richey, FL 34655-1864. For any inquiries or assistance, feel free to give us a call at 727-326-1280. We're excited to welcome you in person or over the phone! Come experience the friendly service and community spirit that Florida Central is known for!

Member Eligibility

At Florida Central, we believe that becoming a member is like joining a family where everyone supports each other. To qualify for membership, you just need to meet some friendly criteria, which are designed to make sure we can serve you best. Generally, if you live, work, or worship in our community or have a family member who is already part of our credit union, you're likely eligible! We welcome individuals from various backgrounds and aim to create an inclusive environment for everyone. If you're interested in opening an account with us, the process is straightforward and welcoming. Just visit our website for detailed eligibility information at https://www.floridacentralcu.com/manage/business-services/corporate-membership.html. You'll find everything you need to know about becoming a member. When you're ready to take the next step, check out our account opening details here: https://www.floridacentralcu.com/online-applications.html. If you have any questions or need assistance, feel free to give us a call at (727) 326-1280. We can't wait to welcome you to our community at Florida Central, located at 10175 State Road 54 New Port Richey Fl 34655!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine running your retail shop without worrying about payment delays or complicated setups. With our merchant services, you can accept payments easily, whether it's through card transactions or mobile payments, allowing you to focus more on what you do best growing your business. If you're ready to take your business to the next level, reach out to us at (727) 326-1280 or visit us online at https://www.floridacentralcu.com/. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

ATM Access and Drive-Thru Services

Need cash quickly? Our branch provides easy access through our ATM services, allowing withdrawals and balance checks whenever necessary. Plus, our basic Drive-Thru Banking makes deposits and withdrawals simple perfect for those busy days when you can't step inside the branch. At Florida Central in New Port Richey, we're not just about banking; we're about building relationships with our members by offering support tailored to their unique financial journeys. If you'd like more information about any of our services or have specific questions, please don't hesitate to reach out at 727-326-1280 or visit us online at Florida Central. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans and Vehicle Financing options provide competitive rates and flexible terms. Imagine driving off in your dream vehicle without worrying about high-interest rates our team is here to assist you every step of the way.

Business Banking Services

At Florida Central, we believe in supporting local businesses. Our Business Banking services, including Merchant Services and Business Loans, are designed to help entrepreneurs thrive. If you're looking to expand or need equipment financing, we're here to partner with you on your business journey.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online and Mobile Banking features that let you manage your accounts from the comfort of your home or on the go. With mobile payments and person-to-person transfers available at your fingertips, handling your finances has never been easier.

Home Financing Options

Homeownership is within reach with our Mortgage Loans and Refinancing services. Whether you're buying your first home or looking to refinance for better terms, we offer personalized assistance to guide you through the mortgage process. Picture yourself settling into your new home with peace of mind knowing you've made a smart financial choice.

Personal Banking Solutions

When it comes to personal banking, we understand that having the right accounts can make a big difference in your daily life. Our Checking and Savings Accounts are designed to suit various lifestyles, whether you're saving for a new home or managing everyday expenses. With easy online access, you can monitor your accounts anytime, anywhere.

Personal Loans & Credit Cards

For those unexpected expenses or plans that require extra funds, our Personal Loans and Debt Consolidation options can help alleviate financial stress. Additionally, our Credit Cards with Rewards allow you to earn while you spend turning everyday purchases into rewards for travel or cash back.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.floridacentralcu.com/, allows you to handle all your banking needs from the comfort of your own space. With just a few clicks, you can check your account balance, transfer funds, and even pay bills all in one secure place. Plus, with our 24/7 online banking services, you have access to your accounts whenever you need it.

Stay Connected Anytime

Don't forget about our user-friendly mobile application, available for download on most smartphones. This app brings all the power of online banking directly to your fingertips, allowing you to deposit checks or review transactions while you're out and about. With these features at your disposal, you'll find that managing your finances is not only easier but also more secure. Join us at Florida Central and experience how our digital banking services can enhance your financial journey!

User-Friendly Features

Need to send money to a friend? Our person-to-person transfers feature makes it quick and simple, letting you send funds directly from your account without any hassle. If you're looking for added flexibility, our mobile payments feature lets you make purchases right from your smartphone. For those who prefer to manage their statements digitally, we offer e-statements so you can view your transaction history anytime no more waiting for paper statements to arrive in the mail. And if you're ever required to sign documents electronically, our electronic signature authorization feature ensures that everything is done safely and securely.

Financial Strength

Financial Health Overview

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.

Member Savings and Investments

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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows 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, committed team.

Reinvestment in Services

With $38,572,733 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 members' financial goals across various sectors with $21,823 in used auto loans and a total of $389,430,130 in loans and leases.

Strong Member Base

Total Share Accounts stand at an impressive 123,740, showing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $831,704, further demonstrating our commitment to providing excellent services tailored to your needs. 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 10175 State Road 54 New Port Richey FL 34655 or call 727-326-1280 to learn more about how we can help you achieve your financial goals.

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 flexible terms tailored to fit your budget and lifestyle.

Business Loans

For business owners looking to expand or improve operations, our outstanding commercial loans total $161,087. We are here to support your business journey with financing solutions that meet your specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We have Junior Lien 1-4 Family Residential Properties loans totaling $40,545,933, providing you with the support needed for one of life's biggest investments.

Refinancing Options

If you're considering refinancing your existing loans or want to explore eligibility options for any of our products, our team is ready to assist you in finding the best solution tailored for you. At Florida Central, we prioritize transparency and customer service. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our commitment is to provide comprehensive financial solutions that empower you every step of the way. Whether you're looking for an auto loan or seeking mortgage options, we're here to guide you through the process seamlessly. Visit us today or check out our website for more details: Florida Central.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $6,932,199 in loans available, our credit cards help members manage their finances effectively while enjoying rewards and benefits tailored to their spending habits.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified sources ensures that the loan offers presented are fair and transparent, allowing users to trust the comparisons they see.

FLORIDACENTRAL CREDIT UNION - New Port Richey, FL

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