At a glance
From its website, read 2 Nov 2026Blue Coast Federal Credit Union is a credit union based in Perry, Florida. Its website describes farm loans, auto loans, home repair loans and 2 other loan types. The consumer loan APR it states is 8.95%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.mybcfcu.com |
| Office (official list) | 1825 S. Jefferson Street, Perry, FL 32348 |
What their website says about applying
Click Below to be connected to our Online Business Loan Application
sourceVisit us or apply online and kick-start your dreams
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate: from 8.95% APR | a rate as low as 8.95% APR* can be a great option | source |
| Auto / vehicle loans | Term: see their wording | Financing Terms up to 96 months | source |
| Home repair / improvement loans | Term: up to 10 yr | Financing up to 120 mos. | source |
| Personal / consumer loans | Term: see their wording | Financing Terms up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 23 Jul 2026 |
| RSSD ID | 675882 |
| Address | 1825 S. Jefferson Street, Perry, FL 32348 Directions (Google Maps) |
| Website | www.mybcfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Mortgages are offered through partner AmeriCU and were not listed as a Blue Coast product; no service area or loan size range was stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Farm Equipment Up To 120 months | source |
| Auto / vehicle loans | — | BCFCU’s auto loans offer competitive rates, flexible repayment terms, and no application fee! | source |
| Home repair / improvement loans | up to $25,000 | Members who qualify can now get up to a $25,000 personal loan for home improvements. | source |
| Personal / consumer loans | — | We offer a variety of personal loans including; vacations, holiday expenses, hunting dues, and many others. | source |
| Small-business loans | — | Our business loans offer the funding you need to grow and succeed. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Click Below to be connected to our Online Business Loan Application
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as BLUE COAST (charter 11154). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $188.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 11,652 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Florida (3 offices)
- Leon County (1): 3003 Mahan Dr, Tallahassee 32308
- Madison County (1): 424 W Base St, Madison 32340
- Taylor County (1): 1825 S Jefferson St, Perry 32348 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Blue Coast Federal Credit Union (NCUA charter 11154, filed as “BLUE COAST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $138.9 million, 7,752 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 16.9% from $118.8 million on 30 Jun 2025 |
| Members | 11,652 (as of 30 Jun 2026); 11,234 (as of 30 Jun 2025) |
| Loans per member | $11,923 (total loans divided by members, 30 Jun 2026) |
| Total assets | $188.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $14.6 million | 10.5% |
| Used vehicle loans | $52.9 million | 38.1% |
| First-lien home mortgages (1-4 family) | $8.3 million | 6.0% |
| Other real estate loans (junior liens, other) | $3.4 million | 2.5% |
| Commercial (business) loans | $6.3 million | 4.6% |
| Credit cards | $5.8 million | 4.2% |
| Other unsecured loans | $3.6 million | 2.6% |
| Leases and other secured loans | $44 million | 31.7% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $188.5 million | Larger than 21% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 74% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $118.8 million → $138.9 million (+17%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 16 → 16. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 21% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 16 → 16 of 20 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Perry and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
- Community South Credit UnionCredit union · Chipley, FLAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
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