Florida Central Credit Union Saint Petersburg FL | Best Auto Loans & Business Banking

Introduction

Welcome to Florida Central, your trusted partner in financial services located at 400 16th St N, Saint Petersburg, FL 33705. Since our establishment in 1954, we have been dedicated to serving our community with a personal touch and reliable banking solutions. With over 45,000 members and total assets reaching an impressive $604,366,572, we are committed to helping you achieve your financial goals. At Florida Central, we offer a variety of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our total deposits stand at $57,134,631, reflecting the trust our members place in us. We believe in empowering our members with the resources they need for success. Led by our CEO Linh Dang and Board President William Mignone, our team of 134 employees is here to provide exceptional service. Whether you're looking for assistance with online banking or visiting our branch for face-to-face support, we strive to create a welcoming environment for everyone. While members can visit us at our physical location for all their banking needs, please direct official correspondence to our mailing address: 400 16th Street North, Saint Petersburg, FL 33705. Feel free to call us at 727-821-9555 during our operating hours Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 6:00 PM. Join us at Florida Central today as we continue to build a brighter financial future together! For more information about what we offer or to become a member, visit us online at Florida Central.

Branch History & Mission

Commitment to Service

We are proud to offer convenient services including ATM access and drive-thru banking for quick transactions. Our operating hours are designed with your needs in mind: Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 6:00 PM. If you're looking for a financial partner who cares about your future as much as you do, we invite you to join us at Florida Central Credit Union. Experience the benefits of membership firsthand where you're not just a number but part of a thriving community dedicated to your success. Feel free to reach out at 727-821-9555 or visit us online at Florida Central to learn more about what we offer and how we can help you on your financial journey!

Our Journey

Since opening our doors nearly seven decades ago, Florida Central has evolved significantly. Initially focused on basic banking services, we have expanded to offer a full range of financial products that cater to the diverse needs of our members. Our total assets now exceed $604 million, reflecting our strong growth and stability. With modern advancements in technology, we have embraced digital banking solutions that make managing finances easier and more accessible for everyone.

Our Mission

At Florida Central Credit Union, our mission is clear: to empower our members by providing personalized financial services while fostering a sense of community. We believe that banking should be about more than just transactions; it should be about building relationships and supporting one another. Our team is dedicated to helping you achieve your financial goals through tailored solutions such as auto loans, mortgages, credit cards with rewards, and business banking services. In addition to our financial offerings, we are deeply committed to community outreach. We actively participate in local events and initiatives that uplift those around us. Whether it's sponsoring youth sports teams or partnering with local organizations, we strive to make a positive impact right here in Saint Petersburg. While members can visit us at 400 16th St N, official correspondence should be sent to 400 16th Street North, Saint Petersburg, FL 33705 if needed.

Branch Location & Accessibility

Call to Action

We invite you to come visit us today! Whether you're looking for advice on financial planning or just want to learn more about what we can do for you, feel free to stop by or give us a call at 727-821-9555. At Florida Central St. Petersburg Branch, your financial success is our priority!

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Thursday from 8:00 AM to 5:00 PM and on Friday from 8:00 AM to 6:00 PM. Whether you need assistance with checking accounts, auto loans, or mortgage options, our team is ready to help during these hours.

Services Offered

At Florida Central, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For business owners, we provide merchant services and business loans tailored to meet your needs. Need cash? Enjoy our ATM services and basic drive-thru banking for quick deposits or withdrawals.

Member Eligibility

Becoming a member of Florida Central is like joining a caring family that's dedicated to your financial well-being. If you live, work, or worship in the Saint Petersburg area, you're already on the right track to membership! We're here to support individuals who share our values and vision for community growth. Plus, if you're affiliated with certain organizations or businesses, you might qualify too! The best part? Joining is simple and straightforward. For complete details on eligibility criteria, visit us at https://www.floridacentralcu.com/manage/business-services/corporate-membership.html . Once you know you're eligible, opening an account is just as easy check out our account opening process at https://www.floridacentralcu.com/online-applications.html . If you have any questions or want to chat about becoming a member, feel free to give us a call at (727) 821-9555. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

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 today's fast-paced world, having efficient payment options is crucial. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to mobile payments, we offer solutions that fit seamlessly into your operations. Visit us at 400 16Th St N Saint Petersburg Fl 33705 in Saint Petersburg, FL, or call us at (727) 821-9555 to learn more about how our tailored business banking services can help your business thrive!

Comprehensive List Of Services

Additional Features

We also provide basic drive-thru banking for quick deposits and withdrawals without leaving your car. Our friendly staff is ready to assist you during lobby hours from Monday to Thursday 8:00 AM - 5:00 PM and Friday 8:00 AM - 6:00 PM. Whether you're a member or considering joining us, we invite you to explore the full range of services we offer at Florida Central. For more information or assistance, feel free to call us at 727-821-9555 or visit our website at floridacentralcu.com. We look forward to helping you achieve your financial dreams!

Business Banking Solutions

At Florida Central, we understand that businesses need reliable financial support too. Our business banking services, including merchant services and business loans, are designed to help local entrepreneurs thrive. Whether you're starting out or expanding an existing venture, we're committed to being your trusted partner in success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can access your accounts anytime and anywhere, making it easy to check balances, transfer funds, and pay bills right from your phone or computer. With our ATM services available for cash withdrawals and balance checks, managing your money has never been more accessible.

Personal Banking Services

Navigating your finances has never been easier! With personal banking options such as checking and savings accounts, you can manage your everyday spending and savings effortlessly. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing make it simple to drive away in the car of your dreams. Perhaps you're considering a new home? Our mortgage loans and refinancing options will guide you through the process of home ownership with confidence. For those unexpected expenses that arise, our personal loans and debt consolidation services can help get you back on track financially. Plus, don't forget about our credit cards with rewards, which offer benefits that enhance your purchasing power while helping you earn rewards along the way.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services are available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you best. Whether you're at home or on the go, managing your account has never been easier. Plus, if you prefer mobile banking, our easy-to-use mobile application is ready to help you stay connected and in control. Want to send money to a friend? Our person-to-person transfer feature makes it simple and quick no need for cash or checks! Additionally, if you're looking for an eco-friendly option, we provide e-statements that allow you to view your account activity without the clutter of paper statements.

Security You Can Trust

Your security is our top priority. We use advanced encryption technology to protect your information and transactions. Plus, with electronic signature authorization available at Yes, signing documents online is not only safe but also straightforward.

The Benefits of Banking Digitally

By choosing Florida Central for your banking needs, you gain access to efficient tools that simplify your financial life. Whether it's making mobile payments or accessing real-time account management features, we're here to ensure that every aspect of your banking experience is hassle-free. In today's fast-paced world, having reliable digital banking options allows you to focus on what matters most your life. Join us at Florida Central and experience the convenience of modern banking today!

Financial Strength

Growing Together

Our financial strength means we can continue serving you with confidence. Total Share Accounts stand at 123,740, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $831,704, further solidifying our ability to meet your needs. Whether you're saving, borrowing, or planning for the future, Florida Central is your trusted partner. Visit us at 400 16Th St N Saint Petersburg Fl 33705 or call (727) 821-9555 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.

Member-Centric Approach

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 commitment to excellence is reflected in our operational efficiency as shown by our $0. This enables 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.

Reinvesting in Our Future

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 capacity to lend is also impressive; with $21,823 in used auto loans and $389,430,130 in total loans and leases, we support our members' financial goals across various sectors.

Solid Foundation

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.

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. Whether you're eyeing a brand-new model or a reliable used car, we have flexible financing options designed just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $161,087 provide the capital needed to grow and expand. If you're looking for financing solutions that support your business journey, Florida Central has got you covered.

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. These cards are designed to provide you with the purchasing power you need while keeping your financial health in mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $40,545,933, making it easier for you to secure your dream home. Our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for our products, we encourage you to reach out. Our dedicated team is ready to assist you in finding the best solution for your financial situation. We invite you to visit us at our branch located at 400 16Th St N, Saint Petersburg FL 33705, or give us a call at 727-821-9555 during our operating hours: Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 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. Let us help you find the right loan product that fits your needs today!

Loan Aggregator

Ensuring Accurate Comparisons

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 ensures that all offers are fair and transparent, allowing users to make informed choices without hidden surprises.

Key Benefits of Using LendMesh

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FLORIDACENTRAL CREDIT UNION - Saint Petersburg, FL