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 194,282; Campus Usa Credit Union 164,703; Dade County Credit Union 111,518; Mccoy Credit Union 81,427; First Florida Credit Union 63,075; Tropical Financial Credit Union 62,337; Insight Credit Union 41,917; San Antonio Citizens Credit Union 18,441Community First Credit Union Of…194kCampus Usa Credit Union165kDade County Credit Union112kMccoy Credit Union81kFirst Florida Credit Union63kTropical Financial Credit Union62kInsight Credit Union42kSan Antonio Citizens Credit Union18k
Members of the largest community credit unions in Florida, from NCUA data.
  1. Jacksonville, FL · 194,282 members · $3.2 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 · 164,703 members · $4.0 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 · 111,518 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 · 81,427 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. First Florida Credit Union

    Where you live or work

    Jacksonville, FL · 63,075 members · $1.5 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 →
  6. Tropical Financial Credit Union

    Where you live or work

    Miramar, FL · 62,337 members · $1.0 billion 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 →
  7. Insight Credit Union

    Where you live or work

    Winter Springs, FL · 41,917 members · $629 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 · 18,441 members · $400 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 · 17,936 members · $253 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 · 16,409 members · $368 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 · 14,143 members · $307 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 · 12,757 members · $184 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 UnionPerry11,652
Okaloosa County Teachers Credit UnionCrestview9,195
Everglades Credit UnionClewiston5,448
Emerald Coast Credit UnionPort St Joe5,095
1st Street Credit UnionSarasota1,830
Unity Of Eatonville Credit UnionEatonville408

Who can join, across Florida's credit unions

Who can join, across 107 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: 65Anyone 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 file65
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.