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

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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 the Division of Financial Institutions Tallahassee office at (850) 410-9800 or via e-mail at OFRFinancialInstitutions@flofr.com.

Key Due Dates

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.

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.

Annual Financial Institution Safety and Soundness Examination Survey

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

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

Credit Union Director's Oath

Biographical Sketch on Officers, Directors & Committee Members - (Used by credit unions)

Report of Officials - (Used by credit unions)

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

OFR-U-4 - Conversion Application

OFR-U-10 - Interagency Biographical and Financial Form

Addendum OFR-U-10A - Confidential Release of Information Supplement to the Interagency Biographical and Financial Form

OFR-U-17 - Purchase & Assumption Application

OFR-U-19 - Merger Application

OFR-U-19a - Merger Application/Successor Institution Application

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

OFR-U-61 - Model Credit Union Bylaw Form

OFR-U-61A - Credit Union By-Law Amendment Form

OFR-U-67 - Conversion Application

OFR-U-XX - Debt Cancellation Products - Short Form Disclosures

OFR-U-YY - Debt Cancellation Products - Long Form Disclosures

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.

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!

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.

Statutes and Rules

Chapter 655: Financial Institutions

Chapter 657: Credit Unions

Chapter 69U-100 through 69U-150: Florida Financial Institutions Rules