Your membership comes with benefits!


The credit union provides its members with an array of safe, convenient, and rewarding savings products: regular share savings, club savings, money market savings, and certificate share saving accounts.

Regular Share Savings – You must keep $5 in this account at all times to maintain your membership with the credit union. Earn dividends on balances over $500.


Holiday Club – Get ready for the holiday season. Payroll deduction is a quick and easy way to deposit into your Holiday Club for your end of the year spending. On November 1st, your Holiday Club funds will be transferred to your savings account and available for your use. This account has a withdrawal penalty as an incentive to keep saving. No minimum is required to get started. Earn dividends on balances over $500.

Money Market – Earn higher dividends for your money. Minimum balance to open is $2,500.

Share Certificates – Earn more on your money by depositing into a share certificate account for a predetermined length of time. In exchange for setting aside your money for this set time period, you get a higher yield than with a traditional savings account. The minimum deposit is $1000. You can choose a term from 6 months to 5 years.


With no minimum balance or direct deposit requirement, our free share draft account is the perfect, everyday account to house and manage your finances. However, free is just the beginning of the benefits this account offers!

Visa® Debit Card – Use your debit card anywhere Visa® is accepted. All cards have an embedded chip that adds an additional layer of protection to your accounts. When using your debit card, sign versus entering your PIN to start earning uChoose Rewards®.

Free Online Banking – Check your account balances, see transaction history, and transfer money between your accounts at any time. Enroll today!

Free Mobile Banking – Access your accounts on the go with our mobile app, mobile web page, or text banking.

Free Call 24 – You can call 813-870-4560 and access your account at any time day or night.

Free Online Bill Pay – Save on stamps and pay your bills directly from your online banking! Set up one-time payments or recurring payments at your convenience.


At some point, almost everyone needs to borrow money for something important. Your credit union, where you are a member-owner, not just a customer, offers a wide range of loans to qualified members for any worthwhile purpose. Borrowing at YOUR credit union can be a comfortable, pleasant experience with easy-to-complete applications, fast service, competitive rates, and convenient repayment schedules.

Visa® Platinum – No annual fee and great rewards through uChoose Rewards®!

Visa® Secured – For members wishing to build or rebuild their credit, we also have the FiCare Visa® Secured card. This card allows you to establish a credit payment history by giving you a credit line with a $500 minimum deposit.

Personal Loans – Borrow a set amount of money for a fixed term and rate.

Auto Loans -Whether you’re buying a new or used vehicle, or looking to refinance a car you already have, FiCare FCU will give you the best rate. We will even beat another bank or credit union’s rate if it’s lower than ours! FiCare FCU also offers excellent products like GAP Insurance and extended warranties to put your mind at ease!

Let us save you money, apply today!

First Mortgages – FiCare FCU has partnered with AmeriCU Mortgage to ensure all your mortgage needs are covered. Thus, we now offer all types of loan programs including conventional, VA, FHA, first-time homebuyer programs, renovation loans, USDA Rural loans and more!


Wire Transfers - An additional way you can manage your money at FiCare FCU is through wire transfers. Below are instructions and forms you will need to complete a wire transfer. For applicable fees, see the Fee Schedule.

Incoming Wire Instructions
Outgoing Wire Request Form

Direct Deposit — Enjoy the convenience of direct deposit. BayCare employees can set up payroll direct deposit using the Lawson or MIC system. Members setting up direct deposit with other companies may contact us to request a direct deposit form. Generally, you will need your account number, the routing number, the type of account, and the credit union’s name and address to set up direct deposit.

Overdraft Protection — When things just don’t go as planned, Overdraft Protection is a member benefit that can help. You can avoid the embarrassment of a declined debit card transaction, prevent the hassle and expense of having to make alternate payment arrangements, and have the flexibility you need to access money in unforeseen circumstances. Plus, there is no cost to have this coverage in place – you'll only be charged if you need to use it.

uChoose Rewards® is a registered trademark of Fiserv, Inc.

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