The credit union also has a $77 bonus for opening a new checking account. This seems to be available at all of their branches. The Free Checking qualifies for this bonus. It has no monthly fees, however, the bonus requires that a minimum balance of $100 be maintained in the checking for 77 days.

Field of membership includes those who live, work, worship or attend school in Polk, Highlands, Okeechobee, Sumter, Hardee County or the Poinciana area. Membership requires a minimum deposit of $5 into the share savings account. A $100 minimum balance is required to avoid a low balance fee.

Branches are located in the Florida cities of Arcadia, Auburndale, Bartow, Haines City, Lake Wales, Lakeland, Okeechobee, Poinciana, Sebring, Wauchula and Winter Haven.