Central’s field of membership includes anyone living, working, or attending school in Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, and Duval counties in Florida. Please contact us to determine your eligibility for membership with Central Credit Union, where You Belong.


You become a member of Central Credit Union of Florida when you purchase one share, a $5.00 value, in the credit union. This share must remain on deposit in your Regular Shares (Savings account) to maintain your membership. Our philosophy: “Once a member, always a member” means once you have established your membership, you can maintain membership in the credit union regardless of where you work or live. In addition, once your membership has been established, you become eligible to use all other services offered by Central Credit Union of Florida. 

To establish your membership with Central Credit Union in person, stop by any of our branch locations to complete a brief membership application. Bring in your Driver’s License or other government issued picture ID, proof of your social security number, and $5.00 to deposit in your savings account.  
Is the cost of banking elsewhere getting too much for you to handle? Make the switch today! Our goal at Central is to make switching your accounts as quick and easy as possible. To make switching easy, we now offer ClickSWITCH. ClickSWITCH allows you to move your direct deposits and automatic withdrawals to Central in the convenience of your home. This is just one way you can experience the Central Credit Union difference.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a new account. What this means for you - When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. When you open an account for a covered legal entity, we will ask for identifying information (name, address, date of birth, social security number, as well as identification documents) for:

  • each individual that has beneficial ownership (25% or more) and,
  • one individual that has significant managerial control of the legal entity.

If you are opening an account on behalf of a legal entity you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

Serving Members

Since 1962