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Community Trust Federal Credit Union

825 South Park Avenue
Apopka, FL 32703

Contact: Gloria Feliciano, President
Phone: 407-880-4300
Fax: 407-880-4384

Community Trust Federal Credit Union (Community Trust) is a member owned, democratically controlled, nonprofit financial institution which has been designated a Community Development Credit Union (CDCU). Community Trust promotes economic development for its membership, with a focus on the individuals working in the agricultural sector, their organizations, and the agricultural suburb of Orlando which it serves. Community Trust has expanded its membership to over 2,218 members with assets to nearly $7.2 million.


Community Trust offers a full range of financial services: Share Accounts, Certificates of Deposit, Check Cashing, Loans, Credit Cards, Credit Insurance, Financial Counseling, Money Orders, Wire Transfers, Payroll Deduction, Notary Public, and their newest products - ATM/DEBIT Cards in the STAR network and Share Drafts.

Community Trust has a main office in Apopka (Orange County), Florida with outreach offices in Pierson (Volusia County), Florida City (Miami-Dade County), and Homestead (South Dade County).

Community Trust offers a culturally friendly place for members to save money, cash payroll checks, get advice about financial matters, receive start-up loans, purchase an automobile for work, purchase a mobile home, save for a down payment on a house, or respond to a family emergency.

Pennies for Power Youth Credit Union is an award-winning youth credit union with 400 member savers and $60, 000 in assets. The youth themselves provide the teller services and serve as Board Members, making decisions about services and reviewing the financial statements monthly.

Investments by individuals, as well as institutions such as Calvert Foundation, provide lending capital to Community Trust.

Client Population

Community Trust's members are low-income migrant, seasonal, and year-round agricultural workers. Increasingly, they include construction, landscaping, and service industry employees. 20% of members have household incomes at or below 80% of area median income. The median income for seasonal farmworker families is under $15,000, less than half that of all Floridians. Approximately 80% of members are Latino, 10% Haitian, and 5% African American. 65% of members live in rural areas and 35% in urban areas. Additionally, 45% of Community Trust's members are female. Retaining members is the biggest challenge after recent changes in immigrant laws and roundups by the INS.


Community Trust has been self-sustaining and profitable since inception and now has three centers of operation.


Community Trust Federal Credit Union
Farm workers are migrant and seasonal immigrants who perform laborious tasks necessary for cultivating and harvesting a large share of our nationís food supply. Alicia Valdez, Vice President of Community Trust Federal Credit Union, is a former farm worker herself. Aliciaís experience, growing up as a farm worker, has attuned her to the needs of her fellow community members and inspired her to help meet these needs as effectively as possible. Full Story

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