Why Us

The FRSA Credit Union is a state chartered and federally insured financial cooperative which was founded in 1975 by a group of people who realized an advantage in pooling their resources. As a cooperative, the Credit Union is owned and operated by its members.

FRSA Credit Union offers the services you need at a price that you will love. 

  • Free Checking Accounts
  • Home Banking
  • Mobile App
  • Bill Pay
  • E-Statements
  • Low Interest Auto and Personal Loans
  • Specialize in Roof Loans
  • Personalized Service

Membership in this Credit Union is also open to everyone who lives, works, attends school, or worships in Orange County and Seminole County, Florida. FRSA contractor and associate members in good standing; the owners, officers, partners and employees of those firms; employees of FRSA and its related entities and authorized representatives, spouses of deceased members; and members of the aforementioned families are also eligible to join the credit union.  Learn more...

What Makes A Credit Union Different From A Bank?

Credit unions were founded on the principle of "not for profit, not for charity, but for service." The philosophy of "people helping people" is the cornerstone of our movement.

Credit Union Members share ownership of their credit union, and have democratic control (one Member, one vote). They elect from their membership a volunteer Board of Directors, which appoints the Supervisory Committee that also serves without pay. All credit unions have a limited field of Membership, meaning its Members share something in common, such as where they work or live. That bond makes them eligible for membership.

Credit unions, like other financial institutions, are closely regulated. A credit union differs from a bank or savings and loan because it operates as a financial cooperative. Rather than paying stockholders dividends, all credit union excess earnings are passed along to its Members in the form of competitive rates, additional products and services, and lower fees. We offer the same financial products as banks, but we do it as a service, not as a source of income. That's why you'll notice that credit union fees are often significantly lower.

Join FRSA Credit Union Today!

NCUA Share Insurance

Each member's account is federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a United States Government Agency.