Charles at 352-377-4141 was fantastic to work with when helping us refinance our auto loan. He was very knowledgeable, explained everything clearly, and made the entire process quick and easy. He helped us secure a better rate while requiring very little time from us, which we really appreciated. Great customer service like this is hard to find these days. If you're looking to refinance an auto loan or lower your car payment, I would definitely recommend contacting Charles. He did an excellent job for us. read more

I applied for a mortgage refinance with Florida Credit Union and worked with loan officer Patricia Nartuzzi. During the process, I was asked to provide multiple documents, including my homeowners insurance declaration, pay stubs, and other items. I was also required to find a title company and to pay for an appraisal, a survey, and flood insurance. I provided every item requested. Ms. Nartuzzi informed me that my homeowners insurance policy (H08) might not be accepted and stated she would check with her supervisor and get back to me. Despite this uncertainty, we continued with the refinance process. At no point did Ms. Nartuzzi tell me that the H08 policy was not acceptable. I later learned from her supervisor, Marcy Kautz, that I needed an H03 policy, not from Ms. Nartuzzi. Throughout the process, Ms. Nartuzzi acted without my knowledge or consent. She contacted my insurance company and the land surveyor directly and was rude and unprofessional when speaking with the insurance company. She instructed them on what they needed to do without informing me. She also contacted the surveyor and changed the type of survey I had originally requested, which increased the cost. She did not notify me of this change, and I am the person responsible for paying all of these expenses. After all of this, Ms. Nartuzzi told me I needed a roof estimate, which made me question the entire process. Then she stated that I needed a 4 point inspection, which would cost even more money with no guarantee of approval. She also stated that I would need to replace the roof, water heater, and HVAC unit, which would increase the loan amount. This was unacceptable to me, as my intention was to consolidate debt--not take on more debt. I expressed from the beginning that I did not have a lot of money to spend and needed to know whether the refinance could move forward before incurring all of these costs. That concern did not seem to matter to Ms. Nartuzzi. My experience with this loan officer was extremely disappointing. I have been a member of Florida Credit Union for nearly 30 years and have never received service like this. I am filing this complaint because I believe the communication, professionalism, and handling of my refinance process were unacceptable, costly, and not reflective of the standards I expected from the credit union. read more

called FCU to purchase a Gap insurance for my 2024 Jeep Wrangler, As i noticed that i owe more then the 2024 Wrangler was worth.Since i believe very much in Insurance i decided to buy the Gap I spoke to FCU representative Neviea and she sold me the Gap,told me to sign the Docsign. I signed it and send a payment. I just traded my Jeep for a new 2026 Wrangler and called FCU to cancel my Gap ,Now i get the garbage the Neviea picked a none refundable GAP and i just signed on her word She didnt offer me a refundable or none refundable GAP...So now i lost 600.00 because i trusted what she sold me and didnt read what i signed Clearly a milead by her. I like FCU i do have few accounts there But i got screwed by one of their reps Shame on you. read more

if I could give 0 stars I would I was with chase 20 years and never once had a problem getting my taxes. First year with this place and it's a big problem. No gives u the same info talk to 3 different people about same thing got 3 different answers this is crazy. I'll be leaving soon read more

I am new to Florida Credit Union and Patty in customer service was wonderful. In today's world it's difficult to find quality customer service. She was very patient, and answered all my questions. Great experience. read more

Opened an account here since better savings and CD rates than other credit unions. The agent was knowledgeable, personable and answered all my questions. Setting up was easy and well explained. I never felt hurried or that my questions were silly. Accounts here have great rates and terms. They are close, have a great app, and easy to come into branch to talk to. I'm so pleased. A great experience when most places have a not so great experience read more

Got there six minutes before they opened at 9 so I could dash in and dash out and stay on time for an obligation. Nine o'clock came and went. No sign of anyone. At 9:05, employees started sauntering toward doors to unlock them. No apology or explanation. They acted miffed that customers seemed surprised by the late opening. Then the teller was not only slow, but shockingly condescending. I'm only here for a car loan. I'll go ahead and pay that bugger off this month so I don't have to deal with this. read more

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. read more

I had a problem with online banking Robert@43rdSt helped me when I went to the branch with my problem. He is friendly, helpful and got me through a very trying incident. Much appreciated!! read more

I've been a member with FLCU for 15 years and have received three car loans and a credit card and received excellent service throughout the years. December 2025 I got approved for a mortgage loan. The process started off good but then turned into a disaster. I was assigned with the mortgage processor Patricia Natuzzi and she was horrible. The lack of communication was insane. When asked where am I at in the process for my application to be sent to underwriter for final review her responses was always very vague. Like she was not knowledgeable in the job. My issue with the bank was after expressing I invested thousands of dollars into this so we have to stay proactive on this it was like they moved slow on purpose. I had to stay on top of her like a toddler because she never returned calls nor emails. I had to contact her everytime because she'll say she will call me and never does. I reached out to her multiple times in a day because I may not get a response whether it was email or phone. It was to the point I had to reach out to her manager Marcy Kautz. Marcy started out good but her communication ended badly too. She moved the process more than Patricia did. After awhile Marcy stopped responding to emails and calls. My closing date had to be pushed back several times because the bank moved like turtles. Slow as heck!!! When asked multiple times when will be my official closing date I received snarky responses like I'm not able to give a date. And without a date you don't have a contract in business -seller transaction. My realtor, seller, patricia, Marcy and I had a email thread to have a paper trail and neither one of the bank reps will ever respond. Eventually the seller ended the contract because of the terrible communication amongst the bank. After my money has been lost I angrily contacted the bank to speak with Marcy supervisor which is Gregory. He somewhat helped but the issue is not resolved. I'm still fighting to get reimbursed my money what I invested because of the bank slowness and terrible communication. FLCU mortage team is terrible. Rates are low but if you're trying to close your home in the standard time frame of a month you can forget it because they are in no rush. After this terrible experience I will be closing my account and banking elsewhere. read more

We filled 2 claims because these people scammed and didn't perform their service. They answered No errors occurred. They didn't care at all. My son's experience with Chase is different, they filled a claim and they take care of th problem immediately making justice for them. read more

I received a text from florida credit union telling me my may payment was overdue. I went to my account only to find out it was 0.08 yes 8 cents over due. I wil never do business with florida credit union again. read more

I just changed my business from rip off Wells Fargo after decades to Florida Credit Union. I am so glad I did that. The service is great. My representative was wonderful and during the next two weeks, the completed change will make me very happy. Adios Wells Fargo you stink. read more

These people are thieves and idiots. I have been trying for 3 years to get them to remove my dead father from the account (I sent the FL death certificate via USPS, registered mail, FedEx, and email) but they won't do it. I am joint owner on the account and they cut off my access to online banking and refuse to honor my parents' POA because it was set up 25 years ago and they want a new one. I'm not sure how that would work since one of them is DEAD and the other is in a nursing home 400 miles away in end stage dementia and is non-communicative. I have called hundreds of times and they still haven't fixed the problem. This morning I sat on hold for 1.5 hours and I didn't even finish giving the information when the customer no service rep hung up. They have started deducting my mother's pension from the account even though she has no loans or credit cards with them. The last time I checked, that is called STEALING. They insist that they can fix it all if I show up in person, but that is a 14 hour round trip drive. I am going to be contacting the state Attorney General and whoever else in state government who deals with banking and seniors. I'm also contacting my attorney on Monday to see about filing suit against them. Enough is enough. It should not take 3 years to fix a few simple issues. read more

I hope this review saves just one person from doing business with this company. My story is similar or the same as the others listed here. After all was said and done I ended up paying several thousand dollars simply b.c it was cheaper to do that than to refi with someone else. Take your business elsewhere. This is a "Credit Union" of thieves and dirtbags. Nefarious practices and inept staff abound. Horrible service when you can get ahold of someone. To borrow a line from my granddad - "dirty, low-down, and under-handed" read more

After making all my payments for over a year, I got a letter demanding a "late payment" or else my credit rating would be in danger. Nobody called or wrote before giving a 10-day "or else" deadline. I had to spend a half hour on hold and another 20 minutes getting someone to check. Long story short: IT WAS THEIR ERROR! Of course it was. They won't admit it. They don't apologize, If I had not been persistent, they would have wrecked my credit for no reason. Avoid them if you can. I'm moving that account as soon as possible. read more

Mr. Leatherman and the DeLand branch office handled an investment rollover exceptionally well! I had no idea what I was doing, but he took the time to explain everything and put my worries at ease. Thank you! read more

We are very pleased with FCU customer service.Al-licia Saunders at the Maricamp branch is outstanding in her professional ability and customer service skills. As new to this area she made our transactions seamless. Thank you Al- licia. Joyce T , Tony B read more

I closed my account years ago with Florida Credit because I moved out of the area. Yesterday I received a credit card from them which left me concerned. When I called their supposed 'customer service' number I get someone who had marbles in her mouth. When I explained I no longer had an account with them but received a CC. I wanted to be sure this CC was closed. She said something like (again, sounded like she had marbles in her mouth) I had to come in to cancel. Again I explained I no longer live anywhere near the Gainesville area and she said (I think) she couldn't help me. Then I think I heard her say she would email me a form so I could cancel my CC. Sigh.....does anyone train their people how to deliver good customer service any more? FLCU certainly doesn't. If you are into being treated badly....then by all means, bank with them. read more

Terrible customer service, a couple hours on the phone, Alexis forgot to close the account, then Brook put me on perpetual hold, forgot to come back to the conversation... Wouldn't recommend this Florida Credit Union to anyone! read more

Heather at Florida central branch in Bradenton was very helpful , my credit card expired and I've been waiting on a new one to no availability and called the number asking operators who I'm talking to where it is at and never get anywhere , I went inside the branch she handled it and within less than a week I got my card , she went above and beyond great customer service , thank you, from Howard (Scott) Bradford read more

poor customer service, too many errors; we finally fired them after three major mishaps

Bought a car in Ocala and they got my loan thru FCU. I live in Tampa and basically their online and website is a pain in the butt to use. When it locks you out, you have to call their customer service to unlock it and jump thru hoops. Kicker is the call cue is always long, typically I'll be #10-12 and give you an option for them to call you back. Well they "updated" their online interfaces, more than likely changed vendors. Well they screwed it up and more than likely didn't transfer people's account information over to the new system. You have to call them to "verify" your information. More likely they add your account when you call. Problem is everybody has the issue. I've called 3x already in the last week or so and I've been #47-50. Yep, not gonna get access anytime soon...so needless to say, I refinanced my loan thru Navy Fed, got a lower rate too from 3.9% to 2.29% and a lot easier to deal with. If I have to drive up to Ocala, it'll be to close my savings account. read more

Firstly, there are competent customer service oriented people at this credit union, HOWEVER, they are not the ones that stick around. Today i had a vile experience with a teller at the 43rd street branch, and the thing is, i wasnt even at his window. I asked a question of my teller, and he butted in and his 'answer' was a tad IRRELEVANT, then he looked down his nose at me, and said 'that's not how it works' and looked over at an officer and tried to get a laugh from her. it's a shame cause the teller at my window was polite, though he did seem a little new. read more

I have been working with at least 4 or 5 different people trying to help me get setup with my external banks so they are all leanked together to use with negative results in over a two weeks. The last girl I talked to was so rude and disrespectful I almost wanted to go down and cancel any accounts with them and go to a bank instead. They truly need a management to control and some training for these people. read more

Based on doing business with other credit unions this particular institution is sub par when it comes to posting to accounts. This includes bill pay, deposits, payments, etc... Many times I have had to contact them regarding transactions. Business needs an overhaul regarding this. read more

Disgusting most vile business to ever deal when trying to get info to pay off . The entire process from start to finish is horrible !!! Stay far away save yourself aging due to their incompetence . read more

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 more than 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 more than 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. read more

They placed a restriction on my online so I couldn't pay online because my account was past due. This forced me to call in to speak with collections, who interrogated me for several mins when all I wanted to do is bring my account current. Life happens. This is 2023 and Americans are struggling to make ends meet..somethings will be late getting paid every now and then. Once my cc is paid off this account will be closed. read more

I made the mistake of choosing this credit union for my business account. 1. They ran my personal credit without my prior knowledge or consent. 2. They put an entire hold for 10 days on a business check I deposited, nowhere did they ever tell me they would do this. Prior checks deposited where available immediately. Bottom line if this is the way they want to do business with me then I will do business elsewhere read more

It is a very bad credit union when you have a home that's paid off and have a 680 credit score and only have 15 accounts at 13,000 and $13,000 and they still with a income of $38,000 and they still deny you that is some bad reputation do not go there read more

I have been a member for over 12 years. recently I had to stop payment to a lending agency permanently and called into the bank. I was assured that everything was taken care of and would not have anymore direct deposits coming out of my account to the lender. The next month it came out again sending my account into the hole. I called and got a hug run around until I got to Lila Colon. After giving me the same unsatisfactory answers that I have to file a dispute and wait 7 to 10 days for it to be settled and not even having gas money to get to work. I asked for her supervisor and she refused to give it to me or to connect me. She did admit that it was the banks fault but that there is nothing else that can be done. Why don't they just give me the money back and file the dispute for themselves. I'm broke i.e. No money to buy gas, food or anything. I finally just got a call back from Ms. Colon and was told the same thing again. She admitted again it was the banks fault and even advised me keep using the account even though there is no funds so my account just goes farther in the hole. Don't bank at this bank as you can tell it wont end well. read more

This is the worst financial institution I have ever seen. We have a pick-up truck that was financed through this credit union. Payment all have been on time with extra paid each month. Insurance has never lapsed as per the agreement. The truck was repossessed the other day stating that we did not have insurance and that is why they repossessed the truck. We explained that we have had active insurance since the beginning, and offered to fax a copy to them, but the person we spoke to would not listen to anything we said. I have proof of insurance, proof of on-time payments she declined to accept. They proceeded to obtain insurance for the truck at an astronomical amount of money even though we already had insurance and tacked the fee onto the loan. Now to get the truck back we have to fill out a paper packet, (multiple pages) of hardship that we are not in to get the vehicle back, and it may take a week to 10 days after receipt. The person we talked to was extremely rude. Use extreme caution when dealing this this company. read more

Worst experience with a financial institution ever. Poor communications, incompetent service, bad attitude, and mismanagement of sensitive documents and assets! they aren't even listed in the top 10 credit unions in the state of Florida I would not put your money in this institution be wary of them! read more

I was one of the first commercial customers of Florida Credit Union. They have been a wonderful financial partner for my company which has grown along with them. They have financed my mortgage, equipment and given me a line of credit. i appreciate them for being a valuable and consistent resource. read more

They messed up 2 of my auto loans and my loans went from 5 year payoff to 9 year payoff.. scammy illegal things happen here. My story isn't over. read more

Worst financial institution I have ever dealt with! If at all possible stay away from this place! I only used them because the company I purchased a boat from recommended them. Big mistake! read more

THE WORST CREDIT UNION EVER!!!! Save yourself time, stress and money. I have been trying to reach anyone to close my account for a while now because i don't want to be part of this CU anymore. I called many times and left my call back number many times but have never received a call back. I sent many emails and never received any answer or help from anyone. This is ridiculous. I took my car loan to USAA - bank that is amazing in customer service. I regret that i have not read the reviews before i let them be in my life. FCU is only giving me stress. They don't deserve even half on one star but i had no other option. read more

Do not go near this institution. So after closing my account in October I had still received a statement from my credit card. The new institution I went to had sent them a check and they stated it was $40 short of what my balance was. Received a statement that there was still then over $300 owed two months later. Called back and they said oh you never paid the $40 to close your account. I said I closed the account prior to receiving the statement. If this is a scam I don't know what yes. As if things are hard enough in this world today and banking institutions don't follow the rules and regulations. People with power abuse and take advantage of the middle class. read more

UPDATE: changed my initial 1 star review to 4 - received a call from Keirra in marketing today who, in response to my earlier review, personally helped me get access to my accounts, which I really appreciate. Keirra was outstanding! Fingers crossed it's smoother sailing from here on out with the updated e-banking platform - read more