Florida Central Credit Union Seminole FL | Quick Personal Loans & Top Checking

Introduction

At Florida Central, we believe in fostering a strong sense of community and providing reliable financial services tailored to our members' needs. Located at 8202 113th St, Seminole, FL 33772, our branch has been serving the area since 1954. With a commitment to your financial well-being, we proudly support over 45,000 members with a wide range of services. Whether you're looking for a new auto loan, savings account, or business financing options, we're here to help. Our total assets amount to an impressive $604,366,572, demonstrating our strength and stability in the financial landscape. We manage $57,134,631 in deposits and have provided loans totaling 38,900, ensuring that we can meet the diverse needs of our community. Under the leadership of CEO Linh Dang and Board President William Mignone, our dedicated team of 134 employees is focused on delivering exceptional service every day. We invite you to visit us or give us a call at 727-497-0090 to discover how we can assist you with your financial journey. And if you need to send official correspondence, please note that it should be directed to the same address: 8202 113th St, Seminole, FL 33772-4127. Join us at Florida Central where your financial goals are our priority! For more information about our services and offerings, feel free to explore our website at floridacentralcu.com.

Branch History & Mission

The Florida Central Credit Union has been a cornerstone of the Seminole community since it opened its doors in 1954. Located at 8202 113th St, Seminole, FL 33772, our branch has a rich history of growth and service. Over the years, we have proudly built a strong membership base of over 45,000 individuals who trust us to meet their financial needs. From humble beginnings, Florida Central has evolved into a vital financial institution with total assets reaching an impressive $604 million. Our mission is clear: to provide our members with exceptional financial services while fostering community support and engagement. We believe that when our members thrive, so does our community. Our commitment extends beyond just banking. We offer a range of services tailored to meet diverse needs, including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our members enjoy the convenience of online and mobile banking options as well as ATM access for easy cash withdrawals. At Florida Central, we understand the importance of accessibility. We are proud to provide drive-thru banking services and ensure ADA compliance so that all members can feel comfortable accessing our facilities. While you can visit us at our branch location for friendly assistance 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 official correspondence should be directed to our mailing address at 8202 113th St, Seminole, FL 33772-4127. Our mission also emphasizes partnerships within the community. We actively engage in outreach programs that support local initiatives and foster financial literacy among residents. This dedication allows us to give back to Seminole while creating lasting relationships with those we serve. We invite you to join us at Florida Central Credit Union and experience the difference that comes from being part of a community-focused organization. Whether you're looking for a new account or seeking financial advice, we're here for you every step of the way. Give us a call today at 727-497-0090 or visit us online at Florida Central Credit Union to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Convenient Access and Parking

Our branch offers ample parking space for your ease, along with ADA-compliant features ensuring accessibility for everyone. Whether you're stopping by for a quick transaction or need assistance with your banking needs, you'll find our location welcoming and accommodating.

Drive-Thru Banking and ATM Availability

For added convenience, we offer a drive-thru service that allows you to complete basic transactions without leaving your vehicle. Plus, with ATM access available on-site, you can easily withdraw cash or check balances anytime. While members can visit us at 8202 113th St, official correspondence should be sent to the same address listed above. If you're looking for personal banking solutions, auto loans, or business services, stop by or give us a call at 727-497-0090. We're here to help you achieve your financial goals! Come visit us today at Florida Central's Seminole Branch we look forward to serving you!

Operating Hours Tailored for You

We understand that life can be busy! That's why our lobby hours are structured to fit your schedule. Join us Monday through Thursday from 8:00 AM to 5:00 PM, and on Fridays, we extend our hours until 6:00 PM. Our friendly staff is always ready to assist you during these times.

Member Eligibility

Joining the Florida Central community is a fantastic way to enhance your financial journey. At Florida Central, we believe in making banking accessible and beneficial for everyone. To become a member, you simply need to meet a few friendly eligibility criteria which include being part of our local community or working for one of our partner organizations. This means that if you live, work, worship, or attend school in areas we serve, you're likely eligible! For the most current details on membership requirements, feel free to visit our website at https://www.floridacentralcu.com/manage/business-services/corporate-membership.html. Once you're ready to join us at our branch located at 8202 113Th St, Seminole, FL 33772, opening an account is a breeze! We pride ourselves on providing a straightforward process that welcomes you with open arms. If you have any questions or want to learn more about the benefits of membership like personalized service and competitive rates don't hesitate to give us a call at 727-497-0090. Ready to take the next step? You can also get started by checking out our account opening page here: https://www.floridacentralcu.com/online-applications.html. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Empower

Beyond loans, we offer merchant services that simplify transactions for your business. Imagine running a bustling café where customers can easily pay with just a tap on their phone. Our merchant solutions make it easy to accept payments in various forms, ensuring that you never miss a sale. Whether you're starting a new venture or looking to expand an existing one, Florida Central is here to provide the financial tools and personalized service that will help your business reach its full potential. Reach out to us today at (727) 497-0090 or visit our website for more information!

Tailored Lending 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 & Drive-Thru Services

When it comes to accessing cash or making simple transactions, our branch is equipped with both ATM services and a convenient drive-thru option. You can perform basic banking tasks such as deposits and withdrawals without leaving your car ideal for those busy days. Whether you prefer visiting us in person or managing everything online from the comfort of your home, Florida Central has made it easy for you to stay connected with your finances. To learn more about how we can assist you or to open an account today, don't hesitate to reach out! Call us at 727-497-0090 or visit our website at Florida Central. We're excited to help you achieve your financial goals!

Business Banking Solutions

For entrepreneurs and business owners, Florida Central is here to support your ventures. We offer comprehensive business banking services, including merchant services that simplify payment processing for your customers and business loans to help fund your next big project or expansion.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms that let you manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, staying on top of your finances has never been easier.

Personal Banking Services

Understanding that everyone has unique financial goals, we offer an array of personal banking options. Our checking and savings accounts are designed for everyday use, ensuring you can easily access your funds whenever you need them. For those considering a new vehicle, our auto loans and vehicle financing options make it easy to hit the road in style without breaking the bank. If you're thinking about buying a home or refinancing your current mortgage, our mortgage loans provide competitive rates and personalized support throughout the process. If life throws unexpected expenses your way, our personal loans and debt consolidation services can help you regain control. Plus, our credit cards with rewards allow you to earn while you spend on things you need every day.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer money anytime, anywhere. If you prefer using your smartphone, our mobile application makes it even simpler. You can access all of your accounts with just a few taps, making banking as easy as sending a text. Do you want to send money to friends or family? With our person-to-person transfer feature, sharing expenses has never been easier. Need to sign documents? Our electronic signature authorization ensures you can complete transactions securely without needing to visit a branch.

Security & Accessibility

Your security is our top priority. We use advanced technology to keep your information safe while allowing you full access to your accounts. Plus, with e-statements available, you can review your financial activity without the clutter of paper statements. With features like mobile payments, managing your money has never been more accessible. Imagine being able to make purchases directly from your phone no cash or cards needed! Whether you're at home or out and about, Florida Central provides the tools you need for real-time account management. So why wait? Dive into a more convenient banking experience today!

Financial Strength

Member-Centric Savings

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 $0 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 122 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 $389,430,130 in total loans and leases.

Solid Financial Health

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.

Strong Member Base

Total Share and Deposit Accounts: 123,740, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $831,704. 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 8202 113Th St Seminole Fl 33772 or call (727) 497-0090 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 also provide refinancing options if you're looking to lower your current monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $161,087 provide the capital needed to grow and expand. We are dedicated to supporting local businesses by offering competitive financing solutions tailored for your unique needs. In addition to these offerings, we encourage you to explore other services such as personal loans for debt consolidation and online banking options that make managing your accounts easier than ever. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Come visit us today or check out our website at Florida Central for more information on how we can assist you on your financial journey!

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 can guide you through the application process and help you explore eligibility options to find the best fit for your needs.

Unsecured Credit Cards

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 be user-friendly and come with benefits that allow you to handle everyday expenses without stress.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an easy-to-navigate platform, users can quickly assess their options without the hassle of sifting through numerous websites. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means users receive offers based on the latest results from trusted institutions (Source: https://www.ncua.gov), guaranteeing fair and transparent options. One key benefit of using LendMesh is its Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Moreover, LendMesh prides itself on offering No Sponsored Listings; lenders are not prioritized based on paid promotions, allowing for truly unbiased results. Users will also appreciate the Real-Time Rate Comparisons, which provide up-to-date loan rates from multiple institutions to help them make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability and effectiveness of the platform in helping individuals secure better loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Florida Central