Credit Unions You Can Join in Florida

Community credit unions in Florida that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Florida

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Florida

Members, largest first: Community First Credit Union Of Flo 188,741; Campus Usa Credit Union 160,308; Dade County Credit Union 109,515; Mccoy Credit Union 80,893; Tropical Financial Credit Union 63,033; First Florida Credit Union 63,006; Insight Credit Union 43,557; San Antonio Citizens Credit Union 18,905Community First Credit Union Of…189kCampus Usa Credit Union160kDade County Credit Union110kMccoy Credit Union81kTropical Financial Credit Union63kFirst Florida Credit Union63kInsight Credit Union44kSan Antonio Citizens Credit Union19k
Members of the largest community credit unions in Florida, from NCUA data.
  1. Jacksonville, FL · 188,741 members · $3.0 billion in assets

    “Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St.”from communityfirstfl.org
    Full details and how to join →
  2. Campus Usa Credit Union

    Where you live or work

    Gainesville, FL · 160,308 members · $3.9 billion in assets

    “Membership is open to anyone in Alachua, Citrus, Clay, Columbia, Duval, Gadsden, Gilchrist, Hernando, Hillsborough, Jefferson, Lake, Leon, Levy, Madison, Marion, Nassau, Orange, Pasco, Polk, Seminole, Sumter, Suwannee, Taylor, and Wakulla counties.”from campuscu.com
    Full details and how to join →
  3. Dade County Credit Union

    Where you live or work

    Sweetwater, FL · 109,515 members · $1.5 billion in assets

    “Anyone who lives, works, worships or goes to school in Palm Beach County, Broward County, Miami-Dade County or Monroe County may be eligible for membership.”from dcfcu.org
    Full details and how to join →
  4. Mccoy Credit Union

    Where you live or work

    Orlando, FL · 80,893 members · $1.0 billion in assets

    “Membership to McCoy Federal Credit Union is open to anyone, who lives, works, worships, volunteers or attends school in Orange, Osceola, Seminole or Lake Counties; members of the immediate family or household; and organizations of such persons.”from mccoyfcu.org
    Full details and how to join →
  5. Tropical Financial Credit Union

    Where you live or work

    Miramar, FL · 63,033 members · $984 million in assets

    “You are eligible for membership if you reside or work in the following Florida counties: Miami-Dade, Broward, Palm Beach, St.”from tropicalfcu.com
    Full details and how to join →
  6. First Florida Credit Union

    Where you live or work

    Jacksonville, FL · 63,006 members · $1.4 billion in assets

    “Membership is open to anyone who lives or works in any of the following Florida counties: Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Clay, Columbia, Duval, Flagler, Franklin, Gadsden, Gulf, Hillsborough.”from firstflorida.org
    Full details and how to join →
  7. Insight Credit Union

    Where you live or work

    Winter Springs, FL · 43,557 members · $659 million in assets

    “Insight Credit Union provides a full range of financial services to anyone who lives or works in the following Central Florida counties: Brevard, Citrus, Columbia, Desoto, Dixie, Gilchrist, Hardee, Hernando, Highlands, Lake, Levy, Marion, Orange, Osceola…”from insightcreditunion.com
    Full details and how to join →
  8. San Antonio Citizens Credit Union

    Where you live or work

    San Antonio, FL · 18,905 members · $393 million in assets

    “Credit Union membership is open to anyone who lives, works, worships or attends school in Eastern Pasco and Eastern Hernando Counties; as well as, immediate family members of all current or eligible members.”from sacfcu.org
    Full details and how to join →
  9. Keys Credit Union

    Where you live or work

    Key West, FL · 18,296 members · $250 million in assets

    “Membership is open to anyone who lives/works in the Keys, has an immediate family who lives/works in the Keys, or is part of our local military community!”from keysfcu.org
    Full details and how to join →
  10. Panhandle Credit Union

    Where you live or work

    Panama City, FL · 16,187 members · $357 million in assets

    “Membership is open to anyone who lives, works, worships, or attends school in Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington Counties in Florida.”from panhandlecu.org
    Full details and how to join →
  11. Jetstream Credit Union

    Where you live or work

    Miami Lakes, FL · 14,108 members · $269 million in assets

    “Anyone who lives, works, worships or attends school in Broward or Miami Dade County, Florida”from jetstreamfcu.org
    Full details and how to join →
  12. Miami Postal Service Credit Union

    Where you live or work

    Miami, FL · 12,949 members · $188 million in assets

    “Membership in MPS Credit Union is open to everyone who lives, works, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin or St.”from mpscu.org
    Full details and how to join →

More credit unions in this list

Credit unionWhereMembers
Blue Coast Credit UnionPerry11,280
Okaloosa County Teachers Credit UnionCrestview9,292
Everglades Credit UnionClewiston5,431
Emerald Coast Credit UnionPort St Joe5,231
1st Street Credit UnionSarasota1,888
Unity Of Eatonville Credit UnionEatonville394

Who can join, across Florida's credit unions

Who can join, across 106 credit unions in Florida. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 18; Employer, union or church group: 6; Sentence too vague to sort: 18; No eligibility sentence on file: 64Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area18Employer, union or church group6Sentence too vague to sort18No eligibility sentence on file64
Credit unions in Florida on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.