Save. Plan. Retire.

Florida Credit Union Lake City FL

FCU provides a range of products and services designed to help you meet your financial goals, from checking and savings accounts, mortgages, credit cards and IRAs.

Membership is open to anyone living, working, worshipping or attending school in Florida’s Alachua, Bradford, Citrus, Clay, Dixie Hamilton Putnam Union Suwannee counties. Make membership easy today by visiting one of our branches or giving us a call.

Vision Values & Mission

Florida Credit Union was first established as a teacher-only credit union in 1954 and today stands as an influential financial institution throughout North and Central Florida with services for individuals as well as businesses – from checking and savings accounts to our wide array of loans including Auto Loans, Home Mortgages and Credit Cards.

FCU is a certified Community Development Financial Institution (CDFI), committed to expanding economic opportunity in low-income communities by investing in local residents launching businesses or purchasing real estate, lending money to community organizations, and offering advocacy. You can learn more about our vision, values and mission here. Additionally, the League of Southeastern Credit Unions & Affiliates serves as a resource and service provider, offering advocacy, compliance services, education training as well as collaborative community initiatives.

Routing Number & Locations

Florida Credit Union operates under a state charter, restricting membership to residents of Florida. To join, open a savings account with at least $5 and use that deposit to purchase one share in ownership in our credit union – giving access to financial products and services designed exclusively for our communities.

The MIDFLORIDA Routing Number, also referred to as an Automated Clearing House or Transit number, is a 9-digit code that identifies an institution. It serves to transmit electronic payments and ACH transactions through this network.

Florida Credit Union is a comprehensive financial institution, providing checking and savings accounts, auto loans, mortgage loans, credit cards, IRAs and CDs. Headquartered in Lake City Florida with branch locations all across Florida.


Credit unions provide checking services with free debit cards, mobile apps and online banking as well as access to resources such as auto loans, mortgages and credit cards.

Members can take advantage of competitive loan rates at Florida credit unions, using the payment calculator to compare them side-by-side and take advantage of free membership benefits.

This credit union serves residents in Florida counties Alachua, Brevard, Clay, Collier, Escambia, Gilchrist Hernando Hillsborough Indian River Leon Levy Manatee Marion Orange Polk Seminole as well as employees of certain schools and organizations as well as immediate family of current members. Membership may also be extended to immediate family of current members.


Florida Credit Union provides its members with a full suite of banking and financial services, from checking and savings accounts, loans (Auto, Mortgage, Home Equity) and IRAs to anytime mobile banking using FCU Anywhere as well as Flora chat and telephone banking services.

Florida Credit Union welcomes residents, workers and students of Alachua, Bradford, Citrus, Clay, Columbia Dixie Dixie Dixie Dixie Dixie Gilchrist Hamilton Lake City Levy Ocala counties as members by opening a checking account with just $5 deposit to become members for free. Also eligible are employees of the State of Florida as well as US military personnel stationed at Duke Field Hurlburt Field Camp Rudder for membership.

Loans & Credit Cards

Florida Credit Union offers competitive rates when it comes to purchasing or refinancing vehicles, refinancing current auto loans, or opening home equity lines of credit. Use their car payment calculator to estimate what your monthly payments may be.

Earn loyalty points on qualifying credit card transactions, loans and banking-related activities such as lending. Your points can then be redeemed for cash back, merchandise or even free fuel and grocery gift cards! View your rewards easily online or mobile banking; FCU representatives also visit more than 100 schools annually during Teacher Appreciation Week to show their support.

Retirement Planning & Investments

FCU’s financial advisors can assist members in plotting an effective path toward reaching their goals, whether that means saving for retirement or managing household finances more effectively. Our financial planning team can offer expert guidance that will enable members to make wise decisions and stay on course with their plans.

Checking and savings accounts, auto loans, mortgages and credit cards; investment options like CDs and Money Market Accounts; as well as membership into Florida Credit Union can all be found under one roof at Florida Credit Union (FCU). FCU holds its charter from Florida’s State Charter Commission; membership is open to anyone living, working or attending school within its boundaries. Non-deposit investment products offered through CUSO Financial Services LLC (CFS). CFS investments do not fall within federal deposit insurance nor guarantee by Florida Credit Union nor are any affiliates guaranteed by Florida Credit Union itself or its affiliates.






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