Florida Office of Financial Regulation Florida OFR Home Page
Division of Consumer Finance

Credit Unions

Credit Unions: a not-for-profit financial cooperative that makes personal loans and offers other consumer banking services to persons sharing a common bond. Common bonds typically include employees of a company, a labor union, a religious group or geographic area. All Florida credit unions are required to have National Credit Union Share Insurance Fund (NCUSIF) insurance offered by the National Credit Union Administration (NCUA).

Credit Union Field of Membership

Application Requirements

Submission of the appropriate application (with filing fee) and related forms to the Office of Financial Regulation. An application will also have to be submitted to the National Credit Union Administration.

For additional information, contact John Pullen at (850) 410-9527 or via e-mail at john.pullen@flofr.com.

Key Due Dates

Establishing a Charter

Advantages of a State Credit Union Charter

Director's Handbook

Forms

Nationwide Cooperative Agreement for the Supervision of State-Chartered Credit Unions
Guidelines for state credit union supervisors to examine and supervise the interstate operations of multi-state, state-chartered credit unions. (PDF Format)

Southeastern Regional Cooperative Interstate Agreement for the Supervision of State-Chartered Credit Unions
A regional agreement to examine and supervise the interstate operations of multi-state, state-chartered credit unions. (PDF Format)

OFR-U-69
Dissolution Certificate (Used by Credit Unions)
MS Word
PDF

OFR-U-70
Expansion of Field of Membership Questionnaire (Used by Credit Unions)
MS Word
PDF

Credit Union Director's Oath
MS Word
PDF

Report of Officials (Used by credit unions)
MS Word
PDF

OFR-U-64
Application for Authority to Merge a Credit Union into a State Credit Union
MS Word
PDF

Annual Financial Institution Safety and Soundness Examination Survey
MS Word
PDF

OFR-U-4
Conversion Application [OFR-U-4]
MS Word
PDF

OFR-U-10
Interagency Biographical and Financial Form [OFR-U-10]
MS Word
PDF

Addendum OFR-U-10A
Confidential Release of Information Supplement to the Interagency Biographical
and Financial Form [Use with OFR-U-10]
MS Word
PDF

OFR-U-17
Purchase & Assumption Application [OFR-U-17]
MS Word
PDF

OFR-U-19
Merger Application [OFR-U-19]
MS Word
PDF

OFR-U-19a
Merger Application/Successor Institution Application [OFR-U-19a]
MS Word
PDF

Corporate Name Approval Request Form
Note: In order for the Office of Financial Regulation to consider a request by a proposed non-financial institution business for approval to use "bank," "banker," "banking," "trust company," "savings and loan association," "savings bank," or "credit union," or words of similar import, in any context or in any manner in its corporate title, and issue a no objection letter, please complete and submit this form.
MS Word
PDF

Statutes and Rules

Chapter 655: Financial Institutions
Chapter 657: Credit Unions
Chapter 69U-100 through 69U-150: Florida Financial Institutions Rules

OFR-U-60
Application for Authority to Operate a State Credit Union
MS Word
PDF

OFR-U-61
Model Credit Union Bylaw Form
MS Word
PDF

OFR-U-61A
Credit Union By-Law Amendment Form
MS Word
PDF

OFR-U-67
Conversion Application
MS Word
PDF

OFR-U-30
Change Name of Financial Institution [OFR-U-30]
MS Word
PDF

OFR-U-XX
Debt Cancellation Products
Short Form Disclosures
MS Word
PDF

OFR-U-YY
Debt Cancellation Products
Long Form Disclosures
MS Word
PDF

Certificate of Good Standing Request Form
This form should be used by persons or entities other than Florida financial institutions, law enforcement agencies, or state/federal regulatory agencies to request certificates of good standing for state-chartered banks, credit unions, and trust companies, or state-licensed international banking offices. NOTE: IF YOU ARE NOT SURE THAT YOU NEED A CERTIFICATE, PLEASE CALL 850-410-9800 BEFORE SUBMITTING A REQUEST!
MS Word
PDF

Director Approval Form
This form should be used by state financial institutions that are subject to the reporting requirements of Section 655.0385, Florida Statutes.
MS Word
PDF