RANKING ·
Lowest cost of shares and deposits in Florida
71 of 107 credit unions in Florida that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Cost of all shares and deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Gold Coast Federal Credit Union | Palm Springs, FL | 0.52% | $270 million |
| 2 | University Credit Union | Miami, FL | 0.62% | $229 million |
| 3 | Hello Credit Union | Panama City, FL | 0.62% | $160 million |
| 4 | Guardians Credit Union | West Palm Beach, FL | 0.72% | $310 million |
| 5 | Members First Credit Union of Flori | Pensacola, FL | 0.76% | $316 million |
| 6 | Insight Credit Union | Winter Springs, FL | 0.84% | $629 million |
| 7 | Coastline Federal Credit Union | Jacksonville, FL | 0.87% | $136 million |
| 8 | Loyalty Credit Union | Pensacola, FL | 0.92% | $300 million |
| 9 | Keys Federal Credit Union | Key West, FL | 0.92% | $253 million |
| 10 | Pinellas Federal Credit Union | Largo, FL | 0.98% | $170 million |
| 11 | Educational Federal Credit Union | Miami, FL | 1.04% | $1.8 billion |
| 12 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | 1.06% | $134 million |
| 13 | Miami Postal Service Credit Union | Miami, FL | 1.06% | $184 million |
| 14 | Santa Rosa County Federal Credit Union | Milton, FL | 1.11% | $223 million |
| 15 | Launch Credit Union | Merritt Island, FL | 1.12% | $1.4 billion |
| 16 | Harvesters Federal Credit Union | Cantonment, FL | 1.13% | $317 million |
| 17 | Sun Credit Union | Hollywood, FL | 1.14% | $129 million |
| 18 | Mccoy Federal Credit Union | Orlando, FL | 1.16% | $1.0 billion |
| 19 | Alive Credit Union | Jacksonville, FL | 1.16% | $296 million |
| 20 | Connect Credit Union | Fort Lauderdale, FL | 1.21% | $103 million |
| 21 | San Antonio Citizens Federal Credit Union | San Antonio, FL | 1.21% | $400 million |
| 22 | Dade County Federal Credit Union | Sweetwater, FL | 1.23% | $1.5 billion |
| 23 | Orlando Credit Union | Orlando, FL | 1.23% | $379 million |
| 24 | Eglin Federal Credit Union | Fort Walton Bea, FL | 1.27% | $3.1 billion |
| 25 | Priorityone Credit Union of Florida | Sunrise, FL | 1.29% | $162 million |
| 26 | First Choice Credit Union | West Palm Beach, FL | 1.30% | $161 million |
| 27 | Floridacentral Credit Union | Tampa, FL | 1.31% | $622 million |
| 28 | Tyndall Federal Credit Union | Panama City, FL | 1.31% | $1.9 billion |
| 29 | Okaloosa County Teachers Federal Credit Union | Crestview, FL | 1.32% | $135 million |
| 30 | Tropical Financial Credit Union | Miramar, FL | 1.33% | $1.0 billion |
| 31 | Florida West Coast Credit Union | Brandon, FL | 1.33% | $144 million |
| 32 | Powernet Credit Union | Tampa, FL | 1.38% | $125 million |
| 33 | Panhandle Credit Union | Panama City, FL | 1.38% | $368 million |
| 34 | Vystar Credit Union | Jacksonville, FL | 1.40% | $14.3 billion |
| 35 | Addition Financial Credit Union | Lake Mary, FL | 1.41% | $3.8 billion |
| 36 | We Florida Financial Credit Union | Fort Lauderdale, FL | 1.41% | $700 million |
| 37 | Radifi Federal Credit Union | Jacksonville, FL | 1.50% | $715 million |
| 38 | Radiant Credit Union | Gainesville, FL | 1.51% | $1.1 billion |
| 39 | Power Financial Credit Union | Pembroke Pines, FL | 1.53% | $1.0 billion |
| 40 | Tampa Bay Federal Credit Union | Tampa, FL | 1.54% | $494 million |
| 41 | Trax Federal Credit Union | Tampa, FL | 1.54% | $485 million |
| 42 | Blue Coast Federal Credit Union | Perry, FL | 1.57% | $189 million |
| 43 | First Florida Credit Union | Jacksonville, FL | 1.57% | $1.5 billion |
| 44 | Tru Fi Credit Union | Macclenny, FL | 1.60% | $146 million |
| 45 | Jm Associates Federal Credit Union | Jacksonville, FL | 1.62% | $151 million |
| 46 | Achieva Credit Union | Dunedin, FL | 1.62% | $3.2 billion |
| 47 | Brightstar Credit Union | Fort Lauderdale, FL | 1.63% | $1.1 billion |
| 48 | Space Coast Credit Union | Melbourne, FL | 1.65% | $9.2 billion |
| 49 | Community South Credit Union | Chipley, FL | 1.66% | $245 million |
| 50 | Gulf Winds Credit Union | Pensacola, FL | 1.66% | $1.4 billion |
| 51 | Jetstream Federal Credit Union | Miami Lakes, FL | 1.72% | $307 million |
| 52 | Grow Financial Federal Credit Union | Tampa, FL | 1.78% | $3.9 billion |
| 53 | Calhoun Liberty Credit Union | Blountstown, FL | 1.80% | $180 million |
| 54 | Penair Credit Union | Pensacola, FL | 1.82% | $2.8 billion |
| 55 | Baptist Health South Florida Federal Credit Union | Miami, FL | 1.84% | $140 million |
| 56 | Midflorida Credit Union | Lakeland, FL | 1.86% | $9.8 billion |
| 57 | Adventhealth Credit Union | Altamonte Sprin, FL | 1.87% | $125 million |
| 58 | Fairwinds Credit Union | Orlando, FL | 1.89% | $5.3 billion |
| 59 | First Commerce Credit Union | Tallahassee, FL | 1.89% | $1.2 billion |
| 60 | Miami Firefighters Federal Credit Union | Miami, FL | 1.90% | $189 million |
| 61 | Community First Credit Union of Flo | Jacksonville, FL | 1.90% | $3.2 billion |
| 62 | Usf Federal Credit Union | Tampa, FL | 1.95% | $1.4 billion |
| 63 | Champions First Credit Union | Tallahassee, FL | 1.97% | $541 million |
| 64 | Ithink Financial Credit Union | Boca Raton, FL | 1.99% | $2.4 billion |
| 65 | Publix Employees Federal Credit Union | Lakeland, FL | 2.02% | $1.8 billion |
| 66 | Gte Federal Credit Union | Tampa, FL | 2.03% | $3.1 billion |
| 67 | Innovations Financial Credit Union | Panama City, FL | 2.04% | $696 million |
| 68 | Suncoast Credit Union | Tampa, FL | 2.30% | $20.8 billion |
| 69 | Community Credit Union of Florida | Rockledge, FL | 2.35% | $1.4 billion |
| 70 | Campus USA Credit Union | Gainesville, FL | 2.37% | $4.0 billion |
| 71 | Florida Credit Union | Gainesville, FL | 2.62% | $2.8 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings