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Davenport, Florida - Credit Unions search results Premier Listings

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Terms to Know About Credit Unions

A credit union can perform many of the same functions as a bank. However, membership is limited to those that share a common bond, such as living in the same community. They may offer a better interest rate if you want to save money. They also may offer lower rates on loans, for example if you need to finance a large purchase. As you are considering institutions in your community, below are some terms to be familiar with.

  • Advice - An institution’s written acknowledgement of a transaction related to your account, for example that a check has cleared.
  • Demand deposit - Funds in a member’s account that are subject to withdrawal on demand.
  • Loan draft - A mechanism that allows a member to draw funds against an existing loan amount.
  • NCUA - National Credit Union Association, the federal regulatory agency responsible for chartering, examining and insuring any federal institution of this type. Also may insure the accounts in many state-chartered institutions as is sometimes required by state law.
  • Share draft account - A checking account. Your dollars on deposit are referred to as shares.
  • Yield - The interest rate paid on an account or certificate of deposit.
  • Average daily balance - A method used to set the interest on the balance of a loan from a bank or other finance institution. Purchases are added to the existing balance and then payments subtracted, and the result divided by the number of days in the month.
  • Certificate of deposit - A receipt for funds deposited for a specific period of time and at a certain interest rate.
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    Discover the convenient and affordable way to manage your finances by choosing our local Davenport area credit unions. Providing low cost banking options for happy customers at our credit unions.
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    Suncoast Schools Federal Credit Union
    6801 E Hillsborough Ave, Tampa, FL 33610
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    (352) 799-6322
    User Review: "10 minutes wait on phone....Hung up. will go elsewhere for mortgage loan info."
    Community Credit Union
    1030 Us Highway 1, Rockledge, FL 32955
    CCU has currently refinanced more than 85 loans through our convenient Fast Track Loan program resulting in a cost savings of more than $300,000 for our members. Call one of our friendly member servic
    (321) 690-2328
    Space Coast Credit Union
    845 Palm Bay Road Ne, Melbourne, FL 32904
    Space Coast Credit Union is a member-owned, non-profit financial cooperative. We provide our members a full array of financial services including auto loans, mortgages, checking & savings accounts.
    (321) 752-2222
    Midflorida Credit Union
    2075 8th St Nw, Winter Haven, FL 33881
    (863) 291-3733
    Mid Florida Schools Fcu
    2146 Us Highway 92 W, Auburndale, FL 33823
    (863) 968-9397
    Midflorida Credit Union
    2146 Us Highway 92 W, Auburndale, FL 33823
    (863) 291-3733
    Midflorida Credit Union
    5540 Cypress Gardens Blvd, Winter Haven, FL 33884
    (863) 291-3733
    Mid Florida Schools Fcu
    3025 State Road 540 W, Winter Haven, FL 33880
    (863) 401-3086
    Partners Federal Credit Union
    13705 International Dr S, Orlando, FL 32821
    (800) 948-6677
    McCoy Federal Credit Union
    2075 Central Florida Pkwy, Orlando, FL 32837
    (407) 855-5452
    Insight Financial Credit Union
    13586 Village Park Dr, Orlando, FL 32837
    (407) 251-8944
    Midflorida Credit Union
    129 S Kentucky Ave, Lakeland, FL 33801
    (863) 688-3733
    United Food & Commercial Workers Union
    705 E Orange St, Lakeland, FL 33801
    (863) 686-1625
    CFE Federal Credit Union
    708 E Vine St, Kissimmee, FL 34744
    (800) 771-9411
    Central Florida Educators Federal Credit Union
    2880 N Orange Blossom Trl, Kissimmee, FL 34744
    (407) 518-9397

    Modern credit unions have existed in one form or another since 1852, when the accountant and scholar Franz Hermann Schulze-Delitzsch consolidated two of his pilot projects to form the world's first union. Since then, credit unions have evolved to become complex finance institutions, governed and controlled by a community of members. Today, credit unions exist in nations and states across the globe, and they remain dedicated to serving the financial needs of their community of members. These needs may vary from legal financing to home equity financing to auto financing, or anything in between. Members rely on their unions to establish checking and savings accounts. They also use them for all of their credit card and ATM needs. And they often use them to take out loans as well. Credit unions are typically, but not always, smaller than banks, and unlike banks, their interest rates are established by their members. Credit unions are completely secure, and they may be chartered at the state or federal level. Federal unions are generally more tightly regulated than state unions. But both offer interested members a variety of ways to save money and properly finance their lives. Anyone interested in learning a little more about these interesting financial institutions ought to consider contacting a member of their nearest credit union. If you decide to apply to become a member of a union, and you're approved by the existing members, you could start saving large quantities of money almost instantly. Personal financial freedom could be just a phone call away!
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