Focus Credit Union – FL

Rated star_normalstar_normalstar_normalstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 0 out of 5

P.O. BOX 835, Chattahoochee, FL, 32324

Website

850-663-2404

Focus Credit Union was founded in 1991. Headquartered in Chattahoochee, Florida, Focus Credit Union is a state chartered and federally insured credit union, being chartered in Florida and insured through the National Credit Union Share Insurance Fund (NCUSIF). Focus Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and provides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2013, Focus Credit Union services 11,677 members through its 4 offices and branches and 39 full-time and 1 part-time employees. It has $130,065,557.00 of total assets and $11,365,629.00 of net worth. Based on its asset size and net worth ratio, Focus Credit Union is classified as a Well Capitalized medium large size credit union.

Focus Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Focus Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

Focus Credit Union’s membership type is defined as State chartered natural person credit union. If you are interested in joining Focus Credit Union, please visit their website or call 850-663-2404 for details. If you are a current member of Focus Credit Union or have used any of their services or products, please rate them and leave your comments.

The following two tables list the depository and loan interest rates of Focus Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Florida and in the nation.

Major Depository Accounts and Interest Rates (%)

Interest Rate
Median Rates of Florida
National Median Rates
Checking
0.0000
0.0000
0.0000
Savings
0.2500
0.1500
0.1500
Money Market
0.5000
0.2935
0.2400
Certificate Deposit
1.1000
0.5050
0.5000
IRA
1.1000
0.4400
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Florida
National Median Rates
Credit Cards
6.9900
10.0000
9.9900
Unsecured Line of Credits
10.0000
11.7500
11.0000
Short-term Small Amount
24.0000
22.6000
Student Loans
5.9700
6.0350
New Car Loans
4.4900
3.9050
3.9120
Used Car Loans
4.4900
4.9500
4.9900
1st Mortgage Real Estates
2.6200
4.8000
4.5200
Other Real Estates
3.2500
5.2700
5.0000

Focus Credit Union provides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, and ATMs. The table below lists the electronic banking services provided by Focus Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
Merchandise Purchase
No
Account Balance Inquiry
Yes
No
Merchant Processing Service
No
View Account History
Yes
No
No
Download Account History
Yes
No

As a community financial institution, Focus Credit Union actively involves in local communities by providing services such as financial counseling .

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
Focus Credit Union
639 S Pat Thomas Pkwy
Quincy, FL 32351-3645
Phone:850-627-3595

Focus Credit Union
4942 Highway 90
Marianna, FL 32446
Phone:850-526-9710

Focus Credit Union
Main Office

303 E Washington St
Chattahoochee, FL 32324-1532
Phone:850-663-2404

Focus Credit Union
1400 E Shotwell St Ste 140
Bainbridge, GA 39819-4269
Phone:229-246-1106

850-663-4059

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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