Florida West Coast Credit Union Port Richey FL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Florida West Coast, your trusted partner in financial success! Located at 7200 Ridge Rd Ste 1, Port Richey, FL 34668, our credit union has been serving the community since 1991. With a commitment to providing personalized banking solutions, we are proud to support over 10,805 members and manage a robust total of $131,809,777 in assets. At Florida West Coast, we understand that every member's financial journey is unique. Whether you are looking for auto loans, personal banking options, or business services, our dedicated team is here to guide you every step of the way. Under the leadership of CEO John Purcell and Board President Christopher Boles, we strive to create a welcoming environment where you can achieve your financial goals. Our branch is not just a place to conduct transactions; it's a hub for building relationships and fostering community growth. We take pride in offering competitive rates on loans currently totaling 114,460 and deposits amounting to $6,962,936. With a net worth of $15,605,891, we are financially sound and ready to invest in your future. While members can visit us at our branch location, official correspondence should be sent to the same address: 7200 Ridge Rd Ste 1, Port Richey, FL 34668-6950. If you have any questions or need assistance, don't hesitate to reach out at 727-843-0311 during our operating hours: Monday through Thursday from 8 AM to 5 PM and Friday until 6 PM. Join us today and experience the difference that comes with being a part of Florida West Coast Credit Union. Visit our website at www.FWCCU.COM for more information or explore how easy it is to become a member! Your financial well-being is our priority.

Branch History & Mission

Welcome to Florida West Coast, a credit union that has proudly served the community since 1991. Located at 7200 Ridge Rd Ste 1, Port Richey, FL 34668, our branch has grown alongside the vibrant neighborhoods we support. With a mission to empower our members through accessible financial services and community engagement, we have established a strong presence in Pasco County. Since our inception, Florida West Coast has evolved significantly. Over the years, we have expanded our offerings to meet the diverse needs of our growing membership base, which currently stands at over 10,800 members. Our commitment to providing personalized service and financial education is at the core of what we do. With total assets amounting to $131,809,777, we are well-equipped to support our members' dreams and goals. At Florida West Coast, we believe in more than just transactions; we believe in building lasting relationships. Our mission is to enhance the financial well-being of our members while actively participating in community development. We strive to offer a full suite of banking services including personal banking accounts, auto loans, mortgage loans, and business banking solutions. Additionally, we focus on innovative digital solutions like online and mobile banking to ensure convenience for our members. For those looking to visit us in person, our operating hours are Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. We also provide drive-thru banking for quick transactions. While you can find us at our branch address for all your banking needs, please direct any official correspondence to our mailing address: 7200 Ridge Rd Ste 1, Port Richey, FL 34668-6950. We understand the importance of being involved in our community. Throughout the years, Florida West Coast has partnered with various local organizations and initiatives aimed at uplifting those around us. By investing in educational programs and community events, we ensure that we not only help individuals financially but also contribute positively to society. Join us today and experience the benefits of being part of Florida West Coast. Whether you're looking for a supportive partner in your financial journey or eager to get involved in community initiatives, we welcome you with open arms. Visit us or call us at 727-843-0311 we're excited to assist you!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with features that comply with ADA standards, ensuring everyone can comfortably access our services. We offer convenient parking options right outside our doors, as well as ramps for easy entry.

Connect With Us

If you have questions or need assistance before visiting us, feel free to give us a call at 727-843-0311. We look forward to welcoming you at the Florida West Coast Credit Union! Come see how we can help make banking easier for you today!

Operating Hours and Services

Our doors are open Monday through Thursday from 8 AM to 5 PM, and on Friday we stay open until 6 PM to better serve you. At Florida West Coast Credit Union, we pride ourselves on offering a wide range of services including personal banking, auto loans, mortgage options, and credit card rewards all designed to meet your financial needs. For those who prefer a bit more convenience, we also have drive-thru banking available for quick deposits and withdrawals without leaving your vehicle. Unfortunately, we do not have ATM services at this location; however, our friendly staff is always ready to assist you inside.

Member Eligibility

Becoming a member of Florida West Coast is like joining a friendly family that's here to support your financial journey! If you live, work, or attend school in the beautiful Pasco County area, you're already on your way to enjoying all the benefits we offer. We welcome individuals and their family members to join us, making it easy for everyone to experience our personalized service and community-focused approach. Plus, with access to a variety of services like checking accounts, loans, and more, you'll find everything you need right here at our branch located at 7200 Ridge Rd Ste 1 Port Richey Fl 34668. Ready to take the next step? Opening an account is simple! You can start by visiting our eligibility page for detailed information on becoming a member: http://www.FWCCU.COM/membership. If you have any questions or need assistance, don't hesitate to give us a call at (727) 843-0311. We're excited to have you as part of our community!

Business Banking & Commercial Services

Merchant Services that Matter

In today's fast-paced market, effective payment processing is vital. Our merchant services simplify transactions, making it easier for you to serve your customers. Imagine a busy Saturday at your shop our solutions ensure that payments flow seamlessly, so you can focus on what truly matters: running your business. Join us at our branch located at 7200 Ridge Rd Ste 1, Port Richey, FL 34668, and discover how Florida West Coast can be your partner in success! For more information, give us a call at 727-843-0311 or visit us online at fwccu.com.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know how important it is for businesses to have reliable financial support. Whether you're starting a new venture or expanding an existing one, we're here to partner with you every step of the way.

Credit Cards That Reward You

Our credit cards with rewards offer more than just purchasing power; they give back! Enjoy points or cash back on everyday purchases while benefiting from competitive interest rates and no hidden fees.

Financing Your Dreams

Are you thinking about buying a new car or refinancing your home? Our auto loans and vehicle financing options are tailored to fit different budgets and lifestyles, making it easier for you to drive away in the vehicle of your dreams. Additionally, our mortgage loans and refinancing services allow you to invest in a home without breaking the bank. With competitive rates and flexible terms, achieving home ownership is within reach.

Modern Banking Features

To make managing your finances even simpler, we offer robust online and mobile banking platforms. With these tools, you can view account balances, transfer money between accounts, pay bills, and even send money directly to friends or family through our person-to-person payment feature. You can also enjoy the convenience of our basic drive-thru banking service for quick transactions such as deposits and withdrawals without leaving your vehicle. As part of our commitment to accessibility, our branch hours are designed for your convenience: we're open Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. If you're ready to explore what we offer further or have any questions, feel free to call us at 727-843-0311. Join us today at Florida West Coast Credit Union where your financial goals become reality! Visit us online at fwccu.com or stop by our branch in Port Richey for personalized service that meets all your banking needs.

Personal Banking Made Easy

We understand that personal banking should be straightforward and convenient. That's why we offer various checking and savings accounts designed to help you manage your money effectively. Our accounts come with features that make tracking your finances easier than ever. Need access to cash on the go? Our ATM and cash withdrawal services ensure that you can get your funds whenever necessary.

Support When You Need It

In addition to auto and mortgage loans, we provide personal loans and debt consolidation services to help you manage existing debts more effectively. Life can be unpredictable, and having access to funds when emergencies arise is crucial. Our team is here to assist you in finding the right solution for your situation.

Digital & Online Banking

Accessibility and Ease-of-Use

At Florida West Coast, we strive to ensure that our digital services are user-friendly. No complicated steps just straightforward banking that fits seamlessly into your lifestyle. The combination of our online tools means you have real-time access to your accounts whenever you need it. Experience the ease and convenience of digital banking with us today! Visit https://www.fwccu.com/ to learn more about how we can support your financial journey.

Key Features

Security is our top priority. Our electronic signature authorization feature makes it simple for you to sign documents securely from the comfort of your home. Plus, our e-statements are available so you can keep track of your transactions without the clutter of paper statements. For those on the go, our mobile application lets you handle your banking tasks right from your smartphone. Whether you're making person-to-person transfers or using mobile payments for quick purchases, managing your money has never been easier.

Financial Strength

At Florida West Coast, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that supports your needs and enhances your banking experience. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $15,605,891, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.84% 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 $29,985,413 in share certificates and $14,532,084 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $15,605,891 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 $80,199 in used auto loans and a total of $66,114,486 in loans and leases. Our commitment to 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 28 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $78,354. Total Share Accounts: 22,643, 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 West Coast is your trusted partner. Visit us at 7200 Ridge Rd Ste 1 Port Richey FL 34668 or call 727-843-0311 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 $26,956,498 in used vehicle loans and $16,172,801 in new vehicle loans already helping members get on the road. We offer flexible terms and refinancing options that can fit your budget.

Credit Lines

In addition to our personal loan offerings, we have total credit lines available amounting to $6,000,000. This can be an excellent resource for unexpected expenses or planned projects that require additional funding. Our branch is located at 7200 Ridge Rd Ste 1 Port Richey FL 34668, and we're always ready to assist you with any questions you may have about our loan offerings. Feel free to reach us at 727-843-0311 during our operating hours: Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 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. Explore our services today and discover how Florida West Coast can help you take the next step toward financial well-being!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,056,477, make buying or refinancing simple. We can guide you through the eligibility process to find a solution that works for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,851,377 in loans helping members manage their finances effectively. These cards provide an easy way to handle everyday purchases while building your credit.

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