Experience the difference of credit union service.  When you join The Florist Federal Credit Union, you're more than just a customer.  You become a member who is an owner of a not-for-profit cooperative - an association with a strong, shared commitment to the financial well-being of its members.  Since there are no outside stockholders or investors, the credit union's earnings are returned to you, our member/owner, in the form of lower service charges, lower loan rates, and higher dividend rates on your deposits.