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

Introduction

Welcome to Florida Central, your trusted community partner for financial services located at 3902 Henderson Blvd, Tampa, FL 33629. Established in 1954, we have proudly served our members with dedication and integrity for nearly seven decades. With a total membership of 45,323 and assets exceeding $604 million, we are committed to providing personalized banking solutions that cater to your needs. At Florida Central, we understand the importance of making sound financial decisions. That's why we offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions. Our total deposits stand at an impressive $57,134,631, which showcases the trust our members place in us. Led by CEO Linh Dang and Board President William Mignone, our team of 134 employees is here to ensure you receive the best service possible. Whether you're looking to open an account or need assistance with a loan, our friendly staff is ready to help. While members can visit us at our branch on Henderson Blvd, official correspondence should be sent to the same address for convenience. With our focus on community impact and member satisfaction, we invite you to discover how Florida Central can support your financial journey. Feel free to reach out to us at 813-879-3333 or explore more about our services on our website Florida Central. We look forward to serving you!

Branch History & Mission

Community Focused

We understand that being a part of this community means more than just providing financial services; it means actively participating in its growth and development. Through various initiatives and partnerships with local organizations, we work tirelessly to enhance the lives of those around us. While members can visit us at 3902 Henderson Blvd, official correspondence should be sent to the same address. For any inquiries or assistance, feel free to contact us at 813-879-3333 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

We invite you to become a part of the Florida Central family! Experience firsthand how we can help you achieve your financial goals while contributing positively to our beloved Tampa community. Visit us today or explore more about our services online at Florida Central. Together, let's build a brighter future!

Our Journey

From our humble beginnings, Florida Central has continuously evolved to provide a wide range of financial services. We've adapted to changes in the market while staying true to our mission: to empower our members through exceptional financial services and community support. Our dedication is reflected not only in our offerings but also in the lasting relationships we've built within Tampa. Our branch is conveniently located near several landmarks that highlight the vibrant community around us. Whether you're visiting for personal banking or seeking assistance with auto loans or mortgages, we're here to ensure your experience is positive and rewarding.

Our Mission

At Florida Central, we believe that everyone deserves access to quality financial services. Our mission goes beyond just banking; it's about uplifting our community by providing resources and support tailored to individual needs. We strive to make a difference through outreach programs and partnerships that foster local growth. Our commitment extends into the digital realm as well. We offer modern conveniences like online banking and mobile payments, ensuring accessibility for all members. Whether you prefer visiting us at the branch or managing your finances from home, we are here for you every step of the way.

Branch Location & Accessibility

Operating Hours

Our doors are open for you Monday through Thursday from 8:00 am to 5:00 pm, and on Fridays until 6:00 pm. This gives you plenty of time to stop by before or after work, making it easy to manage your banking tasks at your convenience.

Parking and Accessibility

We understand that convenience matters. That's why we offer ample parking right outside our branch. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Services Offered

At Florida Central, we provide a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, we're here to help. Plus, with our drive-thru service available for quick transactions and ATM access on-site for cash withdrawals or balance checks, managing your finances has never been easier. If you need assistance or have questions about our services, don't hesitate to reach out! You can give us a call at 813-879-3333 for more information or simply drop by our branch. We look forward to welcoming you soon!

Member Eligibility

At Florida Central, we believe that becoming a member is like joining a warm and welcoming family where your financial needs are our top priority. If you're wondering whether you can join us, the good news is that eligibility is quite inclusive! Generally, individuals who live, work, or worship in the Tampa area are welcome to become members. This means you can enjoy all the benefits of our services, from personalized banking solutions to competitive loan options tailored just for you. For more details on specific eligibility criteria, feel free to check out our dedicated page at https://www.floridacentralcu.com/manage/business-services/corporate-membership.html . Starting your membership journey with us is simple! You can easily open an account by visiting our online application portal at https://www.floridacentralcu.com/online-applications.html . If you have any questions or need assistance, don't hesitate to reach out at (813) 879-3333. 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 $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 essential merchant services that make transactions smoother for you and your customers. Imagine accepting payments anytime and anywhere whether at your storefront or on-the-go. Our services help you keep the cash flowing while you focus on what matters most: growing your business. Visit us at 3902 Henderson Blvd, Tampa, FL 33629 or call us at 813-879-3333 to learn how Florida Central can be a partner in your business success!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need cash on the go? Our network includes convenient ATM & Cash Withdrawal Services that allow you to access funds easily. You can also utilize our basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your car.

Business Banking Services

For entrepreneurs and business owners, Florida Central provides essential tools through our Business Banking services. Whether it's through Merchant Services to streamline transactions or various types of Business Loans to expand your operations, we're here to support your growth ambitions.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms. Access your accounts anytime, anywhere with features such as mobile payments, e-statements, and person-to-person transfers. Our digital banking tools ensure that managing your finances is as simple as tapping on your smartphone.

Personal Banking Solutions

Whether you're saving for a new home or managing day-to-day expenses, our Personal Banking services have got you covered. We offer Checking & Savings Accounts that are straightforward and accessible. If you're looking to finance your next vehicle, consider our Auto Loans & Vehicle Financing, which provide competitive rates and flexible terms. For those thinking about homeownership or refinancing their existing mortgage, our Mortgage Loans & Refinancing options will guide you every step of the way. Additionally, our Personal Loans & Debt Consolidation solutions can help simplify your finances when unexpected expenses arise. Don't forget about our Credit Cards with Rewards, offering benefits that fit your lifestyle. From everyday purchases to travel rewards, there's something for everyone.

Visit Us Today!

We invite you to experience the friendly service at Florida Central. Whether you have questions about setting up an account or need assistance with loans and financing options, don't hesitate to reach out. Call us at 813-879-3333 or visit us in person during our lobby hours: Monday to Thursday from 8:00 am - 5:00 pm and Friday from 8:00 am - 6:00 pm. Your financial journey is important to us let's navigate it together!

Digital & Online Banking

Easy Online Access

With our online banking platform available at https://www.floridacentralcu.com/ , you can check your account balances, transfer funds, and pay bills anytime, anywhere. You'll have 24/7 access to your accounts, making it simple to keep track of your finances in real time. Plus, with features like electronic signature authorization, signing documents is as easy as a few clicks.

Mobile Banking on Your Terms

For those who prefer banking on the go, our mobile application is just what you need. Available for download now, this app allows you to manage your accounts directly from your smartphone. You can make mobile payments easily and even send money to friends or family using our person-to-person transfer feature.

Security First

We prioritize your security every step of the way. Our online banking services use advanced security measures to protect your personal information, so you can bank with confidence. With features like mobile payments and electronic signatures, you can complete transactions safely and conveniently. With all these options at your fingertips, managing your money is not just easy it's enjoyable! Visit us today at 3902 Henderson Blvd Tampa Fl 33629 or explore more about our digital banking offerings at https://www.floridacentralcu.com/ . Experience how Florida Central is making banking more accessible for everyone!

Stay Organized with E-Statements

Say goodbye to paper clutter! Our e-statements are not only environmentally friendly but also help you stay organized by keeping all your financial statements accessible in one secure place. You can view your statements whenever you need them, right from the comfort of your home.

Financial Strength

Building Trust Together

Total Share 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 3902 Henderson Blvd Tampa Fl 33629 or call us at 813-879-3333 to learn more about how we can help you achieve your financial goals.

Commitment to 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 your financial goals across various sectors with $21,823 in used auto loans and a total of $389,430,130 in loans and leases.

Member-Centric Resources

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 team.

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 interested in financing a brand-new model or a reliable used vehicle, we provide flexible terms to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $161,087 provide the capital needed to grow and expand your business. We understand the unique challenges small businesses face and are committed to supporting their growth through tailored loan solutions. If you're considering refinancing any existing loans or need help determining your eligibility for any of our products, don't hesitate to reach out. Our dedicated team is ready to assist you in navigating your options. You can contact us at 813-879-3333 or visit us at 3902 Henderson Blvd Tampa Fl 33629 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. At Florida Central, we're dedicated to providing financial solutions that empower our members toward achieving their dreams.

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 work with you to find the right solution that meets your needs be it purchasing your first home or refinancing an existing mortgage for better rates.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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. Enjoy peace of mind with our competitive rates and straightforward repayment options.

Loan Aggregator

Accurate Loan 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 ensures that all offers displayed are fair and transparent, giving users confidence in their choices.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, which guarantees transparency in every comparison. - No Sponsored Listings: Unlike many platforms that prioritize lenders based on paid promotions, LendMesh aims to provide unbiased results. Every user sees the same opportunities, regardless of any promotional agreements. - Real-Time Rate Comparisons: The platform updates its loan rates regularly, allowing users to access the most current information available. This feature helps individuals make timely decisions when it matters most. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh can significantly impact your financial health. 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.

FLORIDACENTRAL CREDIT UNION