Find the latest Florida Credit Union promotions, bonuses, and offers here.
Update 10/3/25: There’s currently a $600 checking and CD bonus available through 10/31/25.
About Florida Credit Union Promotions
Florida Credit Union is headquartered in Gainesville, FL. It was established in 1954 and has grown to have 272 employees and 119,689 members at 12 locations.
| Eligibility: Membership in Florida Credit Union is open to those who live or work in Alachua, Baker, Bradford, Brevard, Charlotte, Citrus, Clay, Columbia, De Soto, Dixie, Duval, Flagler, Gilchrist, Hamilton, Hardee, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lafayette, Lake, Leon, Levy, Madison, Manatee, Marion, Martin, Nassau, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, or Volusia Counties in Florida. See current membership info. |
Florida Credit Union $600 Checking & CD Bonus
- What you’ll get: $600 bonus
- Account Type: Checking Account + CD
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ within 60 days of opening (see what works)
- Credit Inquiry: Hard Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $2,500
- Monthly Fees: None
- Early Account Termination Fee: $20, six months
- Household Limit: None
(Expires 10/31/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- $300 Checking Bonus
- Open a free personal full-service checking account.
- Make a single or combined direct deposit of $500 within 60 days of opening, and
- Keep your account open and in good standing for at least 90 days
- Use promo code: 25SUMMERBONUS
- $300 CD Bonus
- Open and qualify for the $300 checking bonus
- Then open a new 13-month CD at 4.35% APY, and
- Deposit $25,000 or more in new money.
- Use promo code: 25SUMMERBONUS
- Offer can be canceled at any time. Free membership is open to anyone within Florida Credit Union’s 48 county field of membership. Anyone who has held a checking account with FCU in the past 24 months will not qualify for the incentive. Must be 18 years old or older to qualify. One per household. Credit approval and initial $5 open deposit required. $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefit (such as SSI) from your employer or the government. Person-to-person payments (such as Cash App, Venmo, or PayPal) are not considered a direct deposit. If the requirements are met and the account remains open and in good standing for 90 days, the $300 bonus will be credited to the account. $300 is considered interest and will be reported on IRS form 1099-INT. Prior terms subject to change. Full-service checking includes direct deposit, Visa debit card, online banking, and eStatements.
- To receive the $300 CD bonus, you must qualify for the $300 checking bonus and open a new 13-month Certificate of Deposit (CD) with a minimum deposit of $25,000. Must be funded with money currently not on deposit at Florida Credit Union. The CD must be opened between July 28 and October 31, 2025, and remain open for the full term. If both the checking and CD account requirements are met and accounts remain in good standing for 90 days, the $300 bonus will be credited to the checking account. Bonus is considered interest and will be reported on IRS Form 1099-INT. Early withdrawal penalties may apply, in addition, if the 13-Month Promotional CD is closed for any reason before the maturity date, you will be required to reimburse the full $300 CD bonus back to Florida Credit Union. CD must be opened within 30 days of the checking account opening date to be qualified for the promotion.
- Annual Percentage Yield (APY) is accurate as of 09/03/2025. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms and requirements. Minimum balance required to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on www.flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees may reduce earnings.
Florida Credit Union $300 Checking Bonus
- What you’ll get: $300 bonus
- Account Type: Checking Account
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ within 60 days of opening (see what works)
- Credit Inquiry: Hard Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $2,500
- Monthly Fees: None
- Early Account Termination Fee: $20, six months
- Household Limit: None
(Limited time offer)
Editor’s Note: Here’s an alternative link to the offer for teachers.
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a free personal full-service checking account
- Make a single or combined direct deposit of $500 within 60 days of opening
- Keep account open for at least 90 days
- Use promo code: 23CHK300
- Limited time offer that can be cancelled at any time.
- Free membership is open to anyone within Florida Credit Union’s 48 county field of membership.
- Credit approval and initial $5 open deposit required.
- Anyone who has held a checking account with FCU in the past year will not qualify for the incentive.
- Must be 18 years of age or older to qualify for this offer.
- $500 cumulative direct deposit amount must be made to this account within the first 60 days of account opening.
- Your direct deposit needs to be an electronic deposit of your paycheck, pension or, government benefit (such as SSI) from your employer or the government.
- Person-to-person payments (such as Cash App, Venmo or PayPal) are not considered a direct deposit.
- If the requirements are met and the account remains open and in good standing for 90 days, the $300 reward will be made available to the member.
- $300 is considered interest and will be reported on IRS form 1099-INT.
- Prior terms subject to change.
- Full-service checking includes direct deposit, Visa debit card, online banking, and eStatements.
- Cash back bonuses are considered interest and will be reported on IRS form 1099-INT.
Florida Credit Union $25 Checking Bonus
- What you’ll get: $25 bonus
- Account Type: Checking Account
- Availability: FL
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $2,500
- Monthly Fees: None
- Early Account Termination Fee: $20, six months
- Household Limit: None
(Expires 05/29/2023)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,500 Cash Bonus), | |
Editor’s Note: Very little details about this offer. There is no direct deposit requirement.
How To Earn $25 Bonus
HOW TO EARN BONUSFINE PRINT
- Get $25 when you open a checking account with Florida Credit Union.
- Offer good through 05/29/23.
- One bonus per member.
- Offer not available to members with an existing account or who have closed an account within the last 12 months.
- Insured by NCUA.
(Expired) Florida Credit Union $50 Referral Bonus
Earn a $50 bonus at Florida Credit Union!
Florida Credit Union is offering members who refer a friend a $50 bonus when the friend opens a new checking account and meets the requirements.
- What you’ll get: $50 bonus
- Account Type: Checking Account
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $2,500
- Monthly Fees: None
- Early Account Termination Fee: $20, six months
- Household Limit: None
(Limited time offer)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
How To Earn $50 Bonus
HOW TO EARN BONUSFINE PRINT
- To qualify for promotion, the person you refer must meet the following conditions within 60 days of registering:
- Open a Florida Credit Union full-service checking account with the following:
- Free Visa® Debit Card
- Free eStatements
- Free Online Banking
- Direct deposit
- Open a Florida Credit Union full-service checking account with the following:
- Direct deposit is a payment option where funds are electronically transferred to your checking account. Transfers from other bank accounts or shares, or cash outs from money transfer apps are not considered direct deposit and will not qualify.
- Both referring members and referred friends must be 18 years of age or older. Accounts must be open and in good standing at time of payment of reward. A 1099 may be issued. Referred individual(s) who currently have a checking account or who closed a Florida Credit Union checking account within the last six (6) months are not eligible. Florida Credit Union employees are not eligible.
- Referrer and qualified friend will be notified U.S. Mail to choose a gift card within 60 days of the qualifying requirement(s) being met, and $50 gift cards will be sent out within 14 days of selection. Accounts must be opened within 60 days of registering online or calling in. For the purpose of the protection of customer privacy, Florida Credit Union will NOT notify referring individuals that a specific friend has registered and opened an account. However, referring individuals will receive notice when they are eligible to choose a $50 gift card. Important Privacy Notice: By agreeing to participate in the Florida Credit Union Tell-Your-Friends referral program, you agree that the referrer may be aware that you opened an account when he/she receives a referral bonus. Florida Credit Union is not affiliated with any gift card vendors, nor are these companies a sponsor or co-sponsor of the program. The Tell-Your-Friends referral program is in effect as of January 1, 2016, and is subject to change or termination without notice.
How to Waive Monthly Fees
- Value Checking: No monthly fees
- Interest-Bearing Checking: No monthly fees
- Business Value Checking: No monthly Fees
- Business Interest-Bearing Checking: No monthly fees
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Bottom Line
Through a wide range of features and accounts, you are able to better your financial experience. If you are in Florida, visit your local Florida Credit Union for more information!
Additionally, your feedback is highly appreciated and makes our site even better! Therefore, if you have experience with Florida Credit Union, leave us a comment below letting us know how it went.
Compare the latest Florida Credit Union Promotions to other bank bonuses from Chase, HSBC, Huntington, TD, Citi, Wells Fargo, Discover, CIT, and more!
Check out our list below as well as our list of best bank offers for more promotions!
*Check back often for the latest Florida Credit Union promotions, bonuses, and offers!
