Mission Statement
Privacy Policy




Your Membership made simple!

An initial deposit of $25.00 is necessary to open the account. A balance of $25.00 must be maintained to preserve your membership. Dividends are declared and paid quarterly and are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. To receive a dividend on your account, the balance must be a minimum of $100.00.

Tallahassee FCU has a number of different deposit accounts to fit every need. From simple Share (savings) Accounts to Club Accounts and Certificate of Deposit Accounts (CD's).

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 an 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 many also ask to see your driver’s license or other identifying documents.


Deposits are insured by CUNA's general share insurance rules up to $250,000.

Regular Share/Savings Accounts

A regular share/savings account is opened by you when you join the credit union. Your savings are called "shares" because they represent shares of ownership.

Share Certificates/Certificate of Deposits

Share Certificates can be opened for a fixed term rate. Maturities are available to match your savings needs. Ask to speak to our Certificate Representative for current terms and yields.

Club Accounts

For Christmas? - If you need help with Santa, Tallahassee FCU can help with an account designed just for him. Deposits can be made throughout the year either by payroll deduction, in-house transfers or by simply depositing at your leisure. On October 1st through January 31st of the following year, we will allow Santa to withdraw funds for those special purchases.

For Vacation? - Want a Vacation? Similar to the “For Christmas” account, deposits can be received by the same methods and funds can be withdrawn April 1st through August 31st for those special occasions.

Share Draft/Checking Accounts

We have your best interest in mind with share draft (checking) accounts. Opening a share draft account at Tallahassee FCU gives you access to your account 24 hours a day.
  • FREE of monthly service charges.
  • FREE of per-draft/check charges.
  • FREE of required minimum balances on Ruby Share.
  • FREE Visa Debit/Point of Sale/ATM cards.
  • Variety of check designs with price variance.
  • Overdraft protection from your shares (savings) or a Personal Service Loan.
  • Balancing made easy with carbonless duplicate checks.
  • INTEREST EARNED on certain share draft accounts.

It's easy to see why so many members are taking advantage and enjoying the many benefits our checking accounts have to offer.

Interest-earnings Share Draft/Checking with a minimum balance of:
$1,000.00 – Sapphire Share
$2,500.00 – Emerald Share
$5,000.00 – Diamond Share

No monthly service charges
No minimum balance required on Ruby Share
Overdraft protection available on all Share Draft Accounts


Our goal is to help as many members as possible with our lending products. Members with good credit histories will receive our very best rates, some of the best rates offered by any lender.

Tallahassee FCU has a loan for virtually any reason. Tallahassee FCU offers loans for a variety of different interests. Everything from low auto loan rates for new and used cars, to loans for Computers, Home Improvement, CD's & Shares, Personal Lines of Credit and even Credit Cards.

We are dedicated to providing you with the service you deserve. You will appreciate our competitive rates, flexible terms, and easy application process. If you need money, we have it to loan!

We encourage all our members to call us regarding any of our loan products. Our staff is friendly, helpful and knowledgeable, and you can be assured that your loan application will be handled professionally and kept in the strictest confidence.

Members can apply for a variety of loans by calling (850)222-1421 or contact us by e-mail.

Most loans can be approved within one business day!

Line of Credit

Tired of the hassles of applying for a loan every time you need extra cash? With your excellent credit you may qualify for our best rates on an unsecured loan. Once approved, all it takes is a phone call to get your Cash in a flash!

Signature, Christmas, Vacation Loans

Based on your monthly income and your credit, you are available to receive loans on your signature only. Loan interest rates are reviewed monthly to ensure they are competitively priced. You can apply over the phone (850-222-1421) or drop by the office. Then simply make a quick stop by our office to sign loan documents and to pick up your check. Or, if applying and you are currently out of the area, loan documents will be mailed to you for final processing. It's that easy! And with the convenience of payroll deduction, you don't have to worry about mailing your monthly payment.

New and Used Car Loans

If you have been thinking of buying a new car, but hate the hassle, call your Credit Union first. We can offer very competitive rates and in many instances can pre-approve the loan before you decide on the vehicle. Shopping for a new car loan doesn't have to be a hassle. Be aware of the options available to you. If something sounds too good to be true, it probably is.

We offer Manufacturers' extended warranties on all new or used vehicles. These warranties will be insured through our National Credit Union Association (CUNA) and cost much less than the warranties sold by the auto dealers. They protect you from expensive auto repairs after your original warranty ends. You will be able to purchase a warranty on a new or used purchase or add it to a vehicle that you already own when this service is available.

Gap Insurance is also available at a very affordable price. This product protects you in the event of an auto accident resulting in a balance due on the loan after your insurance has paid the claim.

With both our Extended Warranty and Gap Insurance products, you will receive a large reward for a small price!

Other Loan Types

Loans for boats, trailers, lawn equipment and other recreational items are also available. Interest rates are usually lower than rates on signature loans when you use your purchase as collateral. The following purchases qualify:
  • motor homes
  • boats/jet skis
  • tractors/mowers
  • travel trailers/campers

First Mortgages, Second Mortgages, Land Loans, Home Equity, Home Improvement Loans

Buying a new home or refinancing your present home? Thinking of remodeling your home? Come see us about a new First Mortgage, home equity or home improvement loan. The equity in your home may be all you need to remodel your home, purchase a new car, or any other need you may have. The interest you pay may be tax deductible (see your tax advisor). We can finance up to 90% of your home's value depending on your credit and the balance of your loan (some restrictions apply). Click here for detail information.

New Merchandise

Why pay those high department store rates when purchasing your new TV, Computer, Stereo, Washer/Dryer, Riding Lawn Mowers, etc., when you can receive an extremely lower rate
through your credit union!

Credit Life and Accident and Health Insurance

If you desire, you may add credit life and accident and health insurance to provide additional financial security. This low-cost insurance may be purchased at the time you complete your loan transactions. Contact the Lending Department for more information.

Schedule of Fees

For a schedule of all fees related to different Tallahassee FCU accounts, click here.

Additional Products & Services

  • VISA Debit/ATM Cards
  • Visa ATM Access Worldwide
  • Direct Deposit and Payroll Deduction
  • Wire Transfers (Bank to Bank)
  • Cashier Checks
  • Free Notary Service to Members


Copyright © 2015 Tallahassee Federal Credit Union

Contact TFCU@tallahasseefcu.com with questions about this site