Business Details
Your Trusted Financial Partner in Florida
First Florida Credit Union has dedicated itself to enriching members' lives through personalized financial solutions and educational resources. As a member-owned cooperative, we prioritize people over profits, offering competitive products and services backed by exceptional customer service. Our streamlined loan approval process ensures fast access to financing for homes, vehicles, boats, and personal needs while maintaining lower finance rates than most banks. With 18 branches across Florida and participation in a shared branching network, we provide nationwide accessibility through 5,500 locations and over 80,000 surcharge-free ATMs.Our digital banking platform enables 24/7 account management with features like mobile e-Deposits and real-time transfers. Governed by a volunteer board of directors, we return earnings to members through improved rates, reduced fees, and free financial wellness tools including webinars, calculators, and educational articles. For over 25 years, our team of 200+ professionals has maintained a culture of care and responsibility, earning recognition as one of Florida's 100 Best Companies to Work For for 12 consecutive years.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Business Banking
Digital Banking
Financial Education
Shared Branching
ATM Network
Highlights and features
- We offer 25+ years of dedicated member service with personalized financial solutions
- Our competitive loan rates and fee structures consistently outperform traditional banks
- 24/7 digital banking access with mobile e-Deposit and real-time transfer capabilities
- Nationwide access through 5,500 shared branches and 80,000 surcharge-free ATMs
- Free financial education resources including webinars, calculators, and expert guidance
Associations and certifications
- NCUA
- CO-OP Shared Branch Network
What people say
Wonderful staff
Great customer service
Professional team
Superior experience
Fast approvals
Services
No Monthly Fee Checking
Our No Monthly Fee Checking account provides essential banking without maintenance costs. Requires only $25 to open with no minimum balance requirements. Enjoy unlimited check writing, mobile banking with e-Deposit, and 4 monthly free transactions at non-network ATMs. Senior citizens receive one free check box annually.
Auto Loan Financing
Auto loan programs feature budget-friendly terms, up to 90 days of no payments, and same-day approval. Includes 100% financing options, GAP protection, and extended warranty plans. Members access AutoAdvisors partnership for vehicle price negotiation and dealer transaction support.
First Mortgage Loans
Mortgage solutions include fixed and adjustable rate options with competitive closing cost assistance. Offers pre-qualification tools, personalized loan officer support, and Right at Home program covering up to 1% of loan amount in closing costs for qualified borrowers.
Diamond Rewards Visa
Low-rate credit card with 7,500 bonus points, no annual fee, and 1 point per $1 spent. Features introductory 1.90% APR for six months, then 13.50-17.00% variable rate. Includes travel insurance, rental car coverage, and fraud protection.
Prime Share Savings
Entry-level savings account with $5 minimum opening deposit. Functions as membership share while earning dividends. Provides NCUA insurance up to $250,000 and serves as foundation for accessing all credit union services.
People
Brent E. Lister
President/Chief Executive Officer
Leads strategic direction and executive management team development. Drives member-focused initiatives while maintaining organizational growth and financial stability.
Dean Willis
Chairman
Volunteer board member providing governance oversight. Brings extensive industry experience to ensure member interests remain central to organizational decisions.
Joey Carpenter
Chief Operating Officer
Manages daily operations and process improvements. Focuses on enhancing member experience through operational efficiency and service innovation.
Brad Long
Chief Financial Officer
Responsible for financial strategy and reporting. Maintains fiscal health while ensuring competitive rates and member benefits.
Michelle Troha
Chief Marketing Officer
Develops brand strategy and member engagement initiatives. Oversees marketing campaigns that highlight cooperative advantages and community involvement.
Questions
How do I open a checking account?
Visit any branch with $25 initial deposit, valid ID, and Social Security number. Complete application in person or start online.
What loan approval timeframe should I expect?
Auto loans receive same-day approval. Mortgage approvals typically take 1-3 business days with pre-qualification options available.
Are there surcharge-free ATM locations?
Access 80,000+ surcharge-free ATMs nationwide through partnerships with retailers like Walgreens, CVS, and Publix.
How does credit union membership work?
A $5 Prime Share deposit grants lifetime membership and ownership rights. Membership eligibility extends to Florida residents and select employee groups.
What digital banking features are available?
Mobile app with e-Deposit, bill payment, account alerts, and card controls. Online banking includes budgeting tools and document sharing.
Can I refinance existing loans?
Yes, we offer refinancing options for auto loans and mortgages with competitive rate evaluations and potential payment savings.
