It is easy to open an account with Florida West Coast Credit Union. Just click on open an account and you are on your way!  We offer many different types of accounts with many different benefits.  All of our accounts are designed to bring you all the options you need at one financial institution.

Open an ordinary checking or a new Christmas Club and not only receive a great account but hometown service where we know your name and answer the phone when you call.


Here are just some of the differences between a Credit Union and a Bank:



  • Not-for-profit financial cooperatives.
  • Among the most stable institutions in America.
  • Credit Unions exist to serve the needs of their members who are also owners of the Credit Union.
  • Offer the same types of banking products and services you would find at other financial institutions, including savings and checking accounts, loans, mortgages, Internet home banking and bill payment, and more.
  • Profits are returned to the owners/members in the form of lower low rates, less fees and higher interest rates on savings and investments.
  • Since credit union members are owners, each member, regardless of how much money they have on deposit, has one vote in electing board members. Members can also run for election to the board.
  • All board members are volunteers and represent the company groups they work for.
  • Not open to the general public rather form to serve a select group of employees.
  • In the entire history of U.S. credit unions, taxpayer funds have never been used to bail out a credit union.



  • Banks’ depositors are called customers. Customers have no ownership interest in the institution. Banks are owned by investors who may or may not be depositors.
  • Banks are owned and controlled by stockholders, whose number of votes depend upon number of shares owned. Customers don’t have voting rights, cannot be elected to the board, and have no say in how their bank is operated. Directors are selected by current directors or by large block stock acquisition.
  • Banks’ board members are paid, and do not necessarily reflect the diversity of their customer base.
  • Banks are open to the general public.
  • Banks are for-profit corporations, with declared earnings paid to stockholders only.
  • The Savings & Loan bailout in 1980s, as well as the more recent bank bailouts, used taxpayer dollars.