In observance of Columbus Day we will be closed Monday, October 10th.


Chartered January 17, 1962, West Florida Central Credit Union, one of three Central Credit Unions established by the state of Florida, was the credit union for other credit union employees and officials in the West Florida Area. In 1971 the credit union achieved the milestone of hiring the first paid employee and establishing the first West Florida Central Credit Union office.

In 1969 with approval from the State of Florida we were able to merge credit unions such as: Sacred Heart Employees Credit Union, Community Mental Health (Lakeview) and Armstrong World Industries. During the next 5 years the credit union grew rapidly merging other credit unions and offering more services.

In 1978 the central credit union for the Jacksonville, FL area, Jacksonville Central Credit Union, was merged with West Florida Central, doubling the credit union in size overnight. To represent the entire geographical area, we changed the name to Central Credit Union of Florida and maintained a branch in the Jacksonville area until 2006.

June 1982, Central Credit Union of Florida was made the first community credit union in the state of Florida. This was a historic moment in the credit union movement which allowed people in the community the opportunity to join a credit union without having a common bond, such as an employer, enabling membership base on residence within 100 miles of the credit union.

As a result of subsequent changes to the Florida Statutes, our field of membership broadened to include anyone living or working in Escambia, Santa Rosa, Okaloosa and Duval Counties. This allowed us, in 2004, to open an additional branch in the northern area of Escambia County which was known as our Fox Run branch.

In 2006, we were the first Northwest Florida credit union to join the Shared Branching Network, which allows our members to access their accounts at more than 5,000 branches worldwide. This also enables non-members to use our credit union offices to access their accounts at other credit unions on the network.

As Central continued to grow, in 2007, Central Credit Union of Florida acquired Endeavor Federal Credit Union. This merger doubled the credit union size bringing our assets to more than $100 million and our membership to more than 13,000. The merger with Endeavor added two additional branches to our footprint, one in Ft. Walton Beach and another in Panama City.

In Aug. 2013, Central requested, and was granted by the State of Florida, permission to expand our field of membership. Our field of membership now encompasses Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay and Duval counties.

In 2015 we began the process of building a new Home Office facility on the site of our Fox Run branch. Construction was completed and we took occupancy in March 2017.

The opportunity to partner with another local credit union came to fruition when, on November 1, 2018, we merged Pensacola L & N Credit Union into Central allowing us to expand our membership by over 1,100.

We start a new chapter of Central’s history by welcoming new President/CEO Lisa Brown. We are excited for the future of Central Credit Union under her direction and leadership.


April 2022

Serving Members Since 1962

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