Because zero (0) state- or federally chartered credit unions maintain a standalone brick-and-mortar branch physically inside Apalachicola (32320), Eastpoint (32328), St. George Island (32328), or Carrabelle (32322), Franklin County retirees, state/school board pensioners, healthcare workers, and veterans rely on the surrounding US-98 West (Port St. Joe, 22 miles west of Apalachicola) and US-98 / US-319 North (Crawfordville, 30 miles northeast of Carrabelle, and Tallahassee) National Credit Union Administration (NCUA)-insured credit union and Credit Union Service Organization (CUSO) fiduciary wealth network: (1) US-98 West Port St. Joe Credit Union Hub (32456) — Emerald Coast Federal Credit Union (NCUA Charter #3388, 502 Woodward Ave, Port St. Joe, FL 32456, (850) 227-1156, whose community charter explicitly includes Franklin County residents) and Tyndall Federal Credit Union (NCUA Charter #10754, 501 Cecil G. Costin Sr. Blvd, Port St. Joe, FL 32456, (850) 705-6009 / (888) 896-3255, offering CUSO retirement planning via LPL Financial LLC, CRD #6413 & TruStage); (2) US-319 North Crawfordville Credit Union & CUSO Fiduciary Hub (32327) — Champions First Credit Union (formerly Florida State University Credit Union, NCUA Charter #67874 [cross-referenced with historical prompt index #68466], Sunbiz Doc# Q24000000045, 11 Osceola Ct, Crawfordville, FL 32327, (850) 224-4960), partnered with Private Wealth Management & Consulting, LLC (Sunbiz Doc# L12000104617, (850) 692-2500 — Accredited Investment Fiduciary® Edward 'Eddie' Allan Knowles, AIF®, BFA™, Individual CRD #4206181, 0 disclosures, via LPL Financial LLC, CRD #6413 / SEC #801-10970), alongside Gulf Winds Credit Union (NCUA Charter #68694, 11 Preston Cir, Crawfordville, FL 32327, (800) 650-6328 — Gulf Winds Wealth Management / Raymond James Financial Services Advisors, Inc., CRD #149018 / SEC #801-69815, advisor Gary Max Goeppinger, CRD #5775069, 0 disclosures); and (3) Big Bend / 2nd Circuit State, Educator & Medical Credit Unions — First Commerce Credit Union (NCUA Charter #68301 / #68464, Sunbiz #Q17000000032, (850) 488-0035) and its CUSO fiduciary subsidiary Six Pillars Financial Advisors, LLC (Sunbiz #L11000104499 — Terri Gregory Jackson, CFP®, CRD #2611128 & Stephen D. Austin, CRD #6381033 via Independent Advisor Alliance CRD #168267 & LPL CRD #6413); First Florida Credit Union (NCUA Charter #68509, 3006 S Monroe St, Tallahassee, FL 32301, (850) 877-2161); Envision Credit Union / Addition Financial (NCUA Charter #68173 / #68516 [prompt ref #68179], Sunbiz #Q19000000042, (850) 942-9000, CUSO wealth via Raymond James CRD #149018 — Michael L. Nagy, CRD #6185388); TMH Federal Credit Union (NCUA Charter #14368, 345 S Magnolia Dr, Tallahassee, FL 32301, (850) 402-5301, Co-Op Shared Branching); and Calhoun Liberty Credit Union (NCUA Charter #67431, serving Franklin County) (acceptsMedicaid: false).
Official Verification Sources: Emerald Coast Federal Credit Union (NCUA #3388) & Tyndall Federal Credit Union (NCUA #10754) — Port St. Joe Corridor; Champions First Credit Union (f/k/a FSU Credit Union — NCUA #67874) & Private Wealth Management (Eddie Knowles, AIF®, CRD #4206181); First Commerce Credit Union (Six Pillars Financial Advisors — Terri Jackson, CFP®, CRD #2611128), First Florida CU (#68509) & TMH FCU (#14368)
Issuer: National Credit Union Administration (NCUA) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-26 via NCUA Credit Union Locator: Franklin County has 0 in-county credit union storefronts; residents are served 22 miles west in Port St. Joe (32456) by Emerald Coast FCU (#3388, 502 Woodward Ave, (850) 227-1156) and Tyndall FCU (#10754, 501 Cecil G. Costin Sr. Blvd, (850) 705-6009), and 30 miles northeast in Crawfordville (32327) / Tallahassee by Champions First CU (#67874, 11 Osceola Ct, (850) 224-4960), Gulf Winds CU (#68694, 11 Preston Cir, (800) 650-6328), First Commerce CU (#68301 / #68464), First Florida CU (#68509, 3006 S Monroe St, (850) 877-2161), Envision / Addition Financial (#68173 / #68516, (850) 942-9000), and TMH FCU (#14368, 345 S Magnolia Dr, (850) 402-5301).
Issuer: U.S. Securities and Exchange Commission (SEC) / FINRA / CFP Board / Fi360
Notes: Verified 2026-10-26 via FINRA BrokerCheck: All listed CUSO wealth advisors serving Franklin County credit union members maintain active FINRA/SEC registrations with 0 disciplinary disclosures.
Factual details and direct answers about Franklin County Credit Union Senior Banking & CUSO Fiduciary Retirement Network — Emerald Coast FCU (#3388) & Tyndall FCU (#10754) (Port St. Joe 22 Mi. W) + Champions First CU (#67874 / Eddie Knowles, AIF®), Gulf Winds CU (#68694), First Commerce CU (#68301 / Six Pillars CFP®), First Florida CU (#68509), Envision / Addition Financial (#68173) & TMH FCU (#14368)'s services, licensing, and credentials.
Are there any credit union branches physically inside Apalachicola, Eastpoint, or Carrabelle, and which credit unions are closest?
There are zero brick-and-mortar credit union branches physically located inside Franklin County. For western Franklin County (Apalachicola, St. George Island, Eastpoint), the closest branches are 22 miles west on US-98 in Port St. Joe: Emerald Coast Federal Credit Union (NCUA #3388, 502 Woodward Ave, (850) 227-1156 — which explicitly includes Franklin County in its field of membership) and Tyndall Federal Credit Union (NCUA #10754, 501 Cecil G. Costin Sr. Blvd, (850) 705-6009). For eastern Franklin County (Carrabelle, Lanark Village, Alligator Point), the closest branches are 30 miles northeast on US-98/US-319 in Crawfordville: Champions First Credit Union (formerly FSU Credit Union, NCUA #67874, 11 Osceola Ct, (850) 224-4960) and Gulf Winds Credit Union (NCUA #68694, 11 Preston Cir, (800) 650-6328).
How can retired state employees, FSU/school retirees, and healthcare workers in Franklin County access CUSO fiduciary retirement advisors?
Franklin County members of Champions First Credit Union (f/k/a FSU Credit Union, #67874) can meet in Crawfordville with Accredited Investment Fiduciary® Edward 'Eddie' A. Knowles, AIF®, BFA™ (CRD #4206181, LPL Financial CRD #6413, (850) 692-2500); First Commerce Credit Union (#68301 / #68464) members can meet with Certified Financial Planner™ Terri Gregory Jackson, CFP® (CRD #2611128) at Six Pillars Financial Advisors ((850) 488-0035); Gulf Winds Credit Union (#68694) members can meet in Crawfordville with Gary M. Goeppinger (CRD #5775069, Raymond James CRD #149018); and Envision / Addition Financial (#68173 / #68516), First Florida Credit Union (#68509, 3006 S Monroe St, Tallahassee, (850) 877-2161), and TMH Federal Credit Union (#14368, (850) 402-5301) provide full retirement certificate and shared-branching access.
Connect with complementary legal, financial, and residential providers serving seniors in Apalachicola and Franklin County.
Franklin County Clerk of the Circuit Court & Comptroller — Probate, Guardianship & Small Estates Division (Hon. Michele Maxwell, Judge Jay Gordon Shuler, County Attorney Thomas M. 'Michael' Shuler, Esq. & 2nd Circuit Public Guardian)
Apalachicola, Franklin County
(850) 653-8861
Apalachicola Housing Authority (HUD PHA #FL036) & Northwest Florida Regional Housing Authority (#FL046) — Franklin County Senior Public Housing & Section 8 Registry
Apalachicola, Franklin County
(850) 653-9304
George E. Weems Memorial Hospital (AHCA #4173 — Critical Access Swing-Bed Skilled Nursing, 24/7 Emergency & Weems Medical Centers East & West) & Ascension Sacred Heart Gulf Border Hospital
Apalachicola, Franklin County
(850) 653-8853
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Centennial Bank — Apalachicola, Eastpoint, St. George Island & Carrabelle In-County Branches, Centennial Financial Services (Crowley Wealth / Ameriprise) & PeoplesSouth Bank (Apalachicola)
Apalachicola, Franklin County
OCC & Florida Chartered Corporate Trust & Coastal/Timber Estate Fiduciary Network — Capital City Trust Company & Capital City Bank (Port St. Joe & Crawfordville Branches), Centennial Bank Trust, Synovus Trust Company, N.A., Regions Bank Trust & Hancock Whitney Trust
Apalachicola, Franklin County
Franklin County In-County & 2nd Circuit Licensed CPA & Fiduciary Tax Network — Roberson & Associates, P.A. (Apalachicola & Port St. Joe — Ralph C. 'Chris' Roberson, CPA #AC0007186) & Fisher & Friedman, P.A. (Eastpoint — Laura Fisher, CPA & Mark W. Friedman, CPA, PFS) — With Shepard Accounting (#AC0030904), Carr Riggs & Ingram (#AD0016615), Thomas Howell Ferguson (#AD0015619) & James Moore & Co. (#AD0016552)
Apalachicola, Franklin County
Franklin County In-County Insurance & Coastal Corridor Senior Annuity Protection Network — Cook Insurance Agency (#H44240) & Acentria Insurance (Apalachicola) + Wakulla County Farm Bureau (Lisa M. Griner #A105108) & Gulf / Calhoun Farm Bureau (Southern Farm Bureau Life NAIC #68896)
Apalachicola, Franklin County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.