Florida Credit Union is a full-service financial institution based in Florida, dedicated to meeting the diverse financial needs of its members since 1954. The company offers a range of products and services, including personal loans, home loans, auto loans, business loans, and checking accounts. By providing efficient and convenient banking solutions, Florida Credit Union aims to enhance the financial well-being of individuals and businesses within the community. Targeting a wide customer base, Florida Credit Union focuses on delivering competitive rates and member-owned advantages that foster community engagement. With features such as free checking accounts and flexible loan options, the company emphasizes accessibility and quality service. Florida Credit Union continues to serve its members with a commitment to financial education and support, ensuring that customers can make informed decisions about their financial futures.
Florida Credit Union receives overwhelmingly negative feedback from consumers, with many expressing frustration over poor service and account management issues. Reviewers frequently mention difficulties in accessing their accounts, with one customer noting a restriction that prevented them from logging in.
Complaints about staff attitude are prevalent, with reports of rudeness and a lack of empathy during critical situations, such as dealing with the death of a loved one. Despite a single positive review praising a helpful staff member for their assistance with online banking, the overall sentiment is marred by experiences of denied bonuses and unauthorized fund transfers. Customers feel that the institution has deteriorated significantly, with one stating it was once great but is now "pitiful.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Low volume · weighted down | 1.4 | 9 | 100% | ● Not enough data |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Nov 24 | 1.0 | 1 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | 1.0 | 2 |
| Mar 25 | — | 0 |
| Apr 25 | 1.0 | 1 |
| May 25 | — | 0 |
| Jun 25 | — | 0 |
| Jul 25 | — | 0 |
| Aug 25 | 2.0 | 4 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 9 most recent reviews.
“5 hours this morning and before I could even finish providing the info, the customer service person hung up”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
 | 1.4 out of 5 (poor) | 67 out of 100 | 1.5 out of 5 (poor) | — | 9 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Florida Credit Union is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 1.5).
9 reviews of Florida Credit Union. Filter by what matters to you.
Over a year ago
These people are thieves and idiots. I am joint owner of an account my parents set up 25 years ago. My father died 3 years ago and after sending the death certificate via USPS! Registered mail, FedE... See more
Over a year ago
They denied me the $300 bonus as they did not accept my Mercari ACH deposit as payroll, even though they are my employer. I mean its 1099, but still. 20+ other banks have rightfully acknowledged my Me... See more
Over a year ago
I applied online for a loan. And it should tell you something is not up to par when they are able to call you at 245 in the morning, ask you a bunch of invasive questions just to be nosey when they al... See more
Quick answers to the questions people ask most.
Yes, Florida Credit Union is a legitimate financial institution with numerous customer reviews. However, experiences vary, with some customers expressing dissatisfaction regarding service and account management.
Florida Credit Union is not considered a scam; it is a legitimate organization. Verified customer reviews indicate both positive and negative experiences, with some users reporting issues with account handling and service.
Florida Credit Union provides a range of financial services including checking and savings accounts, loans, and credit products. However, some customers have reported issues with loan processing and account management.
Florida Credit Union typically accepts various payment methods including direct deposits, ACH transfers, and in-branch payments. Some customers have experienced confusion over payment processing, as noted in reviews.
You can contact Florida Credit Union's customer support through their website, by phone, or by visiting a local branch. Some reviews indicate that response times may vary, with some customers experiencing delays.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
These people are thieves and idiots. I am joint owner of an account my parents set up 25 years ago. My father died 3 years ago and after sending the death certificate via USPS! Registered mail, FedEx, and email, they STILL have not removed him from the account. They cut off my access to the account and after hundreds of phone calls in 3 years, I still cannot access it to take care of my mother’s finances. They refuse to honor the POA because they want a new one. The problem? He is DEAD and she is in a nursing home 400 miles away with end stage dementia and is non-communicative. Now they are deducting her pension from the account and no one there can answer why. I sat on hold for 1.5 hours this morning and before I could even finish providing the info, the customer service person hung up. I am going to have to reach out to the Floor-duh AG and anyone else in state government who deals with banks and seniors because taking her pension (she has no loans or credit cards with them) is STEALING.
They denied me the $300 bonus as they did not accept my Mercari ACH deposit as payroll, even though they are my employer. I mean its 1099, but still. 20+ other banks have rightfully acknowledged my Mercari deposit correctly as payroll, so this is a sad first.
I applied online for a loan. And it should tell you something is not up to par when they are able to call you at 245 in the morning, ask you a bunch of invasive questions just to be nosey when they already knew they were NOT going to approve you for a loan. I think the woman did it out of fun. They didnt have to ask me anything. They could have sent a text or even post the decision online in the app acct. The woman who called me was very rude and had a nasty attitude with me while asking me questions that were none of her business. So I gave one nasty attitude back to her. I can see why they dont have good reviews. Dont advertise that you approve all people with bad credit if you're just going to be judging the ones who keep you employed. Shame on you.
This people didn't have to take a chance on me. They could have been rude like wells far low. This nice lady took my info my deposit. After 10 minutes I knew how to do online banking mobile banking. There needs to be more people like the ones in Gainesville Florida.
As a first-time customer, I had high expectations for my experience at Florida Credit Union’s Butler Plaza North Branch, but unfortunately, I was left extremely disappointed by the service provided by Jason Woods, the Assistant Manager. From the moment I approached the counter, Jason was unhelpful and seemed uninterested in assisting me with my questions. Despite being new to the credit union, I was hoping for clear guidance and a welcoming experience. When I expressed my concerns, I was expecting a higher level of service from someone in a management position. However, Jason's response was dismissive, and instead of offering solutions, he left me feeling more frustrated and confused. As the Assistant Manager, I would have expected much better customer service and professionalism. This lack of support has made me reconsider my decision to bank with Florida Credit Union.
I would give negative stars if possible. I was forced to open several accounts by my abusive ex-husband. After having my face surgically repaired and finally filing for divorce, the judge awarded responsibility of these accounts to him. FCU refuses to acknowledge these court orders, and continues to rack up interest on my open accounts several years later. I will be filing a formal complaint with the BBB and contacting my lawyer. Absolute trash customer service. Zero empathy, understanding, or caring among the entire lot.
I wanted to get my account with them in accurate order because my husband had passed. I bought in his death certificate but wasn’t having any luck with using my mobile app to get to my account. I did go in but they said it was going to take awhile. It sure did. After three visits and a couple of phone calls it was finally resolved. It took a couple of weeks and was very inconvenient. Let me also mention one week I get a cashiers check at no charge but a few weeks later there’s a $7 charge for them. And more on this… I also think some employees need a manners class. It’s pretty sad when you go into a place where they are supposed to be helpful but they have an attitude towards you. I’m appalled by the way a couple of the young girls spoke to me. When I used the drive thru I asked why are they charging for cashiers checks a teller was very snippy with me and it obviously showed in her tone of voice and in her face. I thought members would get them free of charge so I drove through a second time and a different teller answered my question without a snarky attitude. Congratulations!! You sure know how to push buttons there.
This bank used to be GREAT; as of Nov 2024 they are pitiful. They placed a restriction on my account so I cannot log in to my account to see what the issue is. I recently closed my checking with them, but still have 3 other accounts. Upon using "chat" I was told I have to call. After holding for >20 minutes, I was told no help was available, the dept who locked my account wasn't there, that my account was "dormant" after regular use, and a request would be placed to have someone call me on Monday, 11/4. No one called. I tried calling Monday at 4:10 pm, was on hold >33 minutes without response. I hung up and tried a different number (there are several available!), where I was on hold 5 mins. During this hold I was given an option to leave a "call back request without losing my place in line", which I did. I received a call back at 5:21pm, however the person disconnected the moment I answered. I tried calling back and gave up after 19 more mins on hold. 11/5 I tried again to call with the same result: extended wait on hold, request call back, bank person hangs up as soon as I answer. 11/6 I tried again, this time leaving my work desk phone as the call back number. I got the exact same result, the bank person disconnected as soon as I answered!!! Such a waste of time, major aggravation, and now I'm forced to go in the bank when I set everything else up online specifically because the only branch near me is very inconvenient. I've had this account more than 5 years, and this is how I'm treated??! I think it's reasonable to at the very LEAST be able to discuss an issue the bank created on the phone as well as have the barest minimum of customer service available.
$897.00 was transferred to pay off my auto loan without my permission. When I called in I was transferred to Stephanie in member solutions. To be honest, she was really rude and condescending about the situation. When I asked if I can at least be refunded half the cost , I was told no and when I asked to speak with someone else I was transferred to a voicemail. When I called back another person from the same department said “richardo”? didn’t my co-worker already transfer you to the voicemail. Like there is has to be someone else I can speak to or can correct this. I have banked with FCU for almost 6 years and today I felt belittled.
Florida Credit Union is a full-service financial institution based in Florida, dedicated to meeting the diverse financial needs of its members since 1954. The company offers a range of products and services, including personal loans, home loans, auto loans, business loans, and checking accounts. By providing efficient and convenient banking solutions, Florida Credit Union aims to enhance the financial well-being of individuals and businesses within the community. Targeting a wide customer base, Florida Credit Union focuses on delivering competitive rates and member-owned advantages that foster community engagement. With features such as free checking accounts and flexible loan options, the company emphasizes accessibility and quality service. Florida Credit Union continues to serve its members with a commitment to financial education and support, ensuring that customers can make informed decisions about their financial futures.
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