Because Union County (Lake Butler 32054, Raiford 32083, and Worthington Springs 32697) has zero (0) physical brick-and-mortar credit union branches inside county lines—with in-county physical infrastructure limited to the surcharge-free VyStar Credit Union ATM located inside Spires IGA at 610 SW 1st Street, Lake Butler, FL 32054—this listing connects Union County retirees, state correctional employees, and military veterans to the four member-owned, NCUA-insured credit unions whose community charters explicitly cover Union County and operate full-service branches 12 to 18 miles from Lake Butler: (1) VyStar Credit Union (NCUA Charter #68559 / #68490, Florida Sunbiz Document #N92928, founded in 1952) at 1450 South Walnut Street, Starke, FL 32091 ((904) 594-5518 / (800) 445-6289, 12 miles east on SR-100), 15202 NW 147th Drive, Alachua, FL 32615 (15 miles south via SR-121), and 411 NW Commons Loop, Lake City, FL 32055 ((386) 239-1070), offering fiduciary retirement planning through VyStar Investment Services (securities and advisory services via LPL Financial LLC, Firm CRD #6413 / SEC File #801-10970, staffed regionally by Vice President, Wealth Manager & CERTIFIED FINANCIAL PLANNER™ Stefanie Lauren Starling, CFP®, Individual CRD #6313558, 0 disclosures, and North Florida Investment Advisor Wade B. Bramlitt, Individual CRD #5836679, 0 disclosures); (2) Florida Credit Union (NCUA Charter #68443, NMLS #408586, founded 1954) at 2460 Commercial Drive, Starke, FL 32091 ((904) 964-1427 / (352) 377-4141); (3) Radiant Credit Union (NCUA Charter #68723, NMLS #410796, Sunbiz Doc #N97000004628, founded 1963 as SunState FCU) at 15320 NW US Highway 441, Alachua, FL 32615 and 1367 SW Bascom Norris Drive, Lake City, FL 32025 ((352) 381-5200); and (4) TRU-FI Credit Union (NCUA Share Insurance #68691 / historical federal charter #11334, Sunbiz Doc #Q23000000052, originally founded in 1967 as Baker County Federal Credit Union and formerly known as Country Federal Credit Union) at 602 South 6th Street (SR-121), Macclenny, FL 32063 ((904) 259-6702, 18 miles north of Raiford on SR-121). All four institutions provide up to $250,000 in federal NCUSIF deposit insurance plus a separate $250,000 of federal insurance on Traditional, Roth, and Rollover IRA Share Certificates.
Official Verification Sources: VyStar Credit Union & VyStar Investment Services (LPL Financial CRD #6413 — Stefanie L. Starling, CFP® CRD #6313558); Florida Credit Union (Starke NCUA #68443), Radiant Credit Union (Alachua/Lake City NCUA #68723) & TRU-FI Credit Union (Macclenny NCUA #68691); FINRA BrokerCheck — Stefanie Lauren Starling, CFP® (CRD #6313558) & Wade B. Bramlitt (CRD #5836679)
Issuer: National Credit Union Administration (NCUA), SEC, FINRA & CFP Board
Notes: Verified 2026-10-26: Union County has 0 brick-and-mortar credit union storefronts. VyStar Credit Union (NCUA #68559) maintains an in-county ATM at Spires IGA (610 SW 1st St, Lake Butler, FL 32054) and full-service branches at 1450 S Walnut St, Starke, FL 32091 ((904) 594-5518), 15202 NW 147th Dr, Alachua, FL 32615, 411 NW Commons Loop, Lake City, FL 32055 ((386) 239-1070), and 1168 S 6th St, Macclenny, FL 32063, with VyStar Investment Services (LPL Financial CRD #6413 / SEC #801-10970) staffed by Stefanie Lauren Starling, CFP® (CRD #6313558, 0 disclosures) and Wade B. Bramlitt (CRD #5836679, 0 disclosures).
Issuer: National Credit Union Administration (NCUA) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-26 via NCUA Mapping: (1) Florida Credit Union (NCUA #68443, NMLS #408586) at 2460 Commercial Dr, Starke, FL 32091 ((904) 964-1427); (2) Radiant Credit Union (NCUA #68723, NMLS #410796, Sunbiz #N97000004628) at 15320 NW US Hwy 441, Alachua, FL 32615 and 1367 SW Bascom Norris Dr, Lake City, FL 32025 ((352) 381-5200); and (3) TRU-FI Credit Union (NCUA #68691 / historical federal charter #11334, Sunbiz #Q23000000052, formerly Country Federal Credit Union / Baker County FCU) at 602 S 6th St, Macclenny, FL 32063 ((904) 259-6702).
Factual details and direct answers about VyStar Credit Union & VyStar Investment Services (Lake Butler Spires IGA ATM & Starke / Alachua / Lake City) — With Florida Credit Union, Radiant Credit Union & TRU-FI Credit Union's services, licensing, and credentials.
Are there any full-service credit union branches physically inside Lake Butler, Raiford, or Worthington Springs, and what happened to Country Federal Credit Union?
NCUA records confirm that there are zero (0) full-service brick-and-mortar credit union branches inside Union County limits, though VyStar Credit Union (NCUA #68559) operates a local ATM at Spires IGA (610 SW 1st St, Lake Butler). Country Federal Credit Union (originally founded in 1967 as Baker County Federal Credit Union) rebranded as TRU-FI Credit Union (NCUA #68691, Sunbiz #Q23000000052) and operates 18 miles north of Raiford on SR-121 at 602 South 6th Street in Macclenny ((904) 259-6702), while VyStar Credit Union (1450 S Walnut St, Starke, (904) 594-5518) and Florida Credit Union (2460 Commercial Dr, Starke, (904) 964-1427, NCUA #68443) operate 12 miles east on SR-100, and Radiant Credit Union (15320 NW US Hwy 441, Alachua, (352) 381-5200, NCUA #68723) operates 15 miles south.
Can Union County retirees meet with a Certified Financial Planner™ (CFP®) through VyStar Investment Services?
Yes. Union County credit union members can schedule in-branch or virtual fiduciary retirement consultations through VyStar Investment Services (LPL Financial LLC, Firm CRD #6413 / SEC #801-10970) with Vice President and Wealth Manager Stefanie Lauren Starling, CFP® (CRD #6313558, 0 disclosures) or Regional Advisor Wade B. Bramlitt (CRD #5836679, 0 disclosures) at the Starke, Macclenny, Alachua, or Lake City branches.
Connect with complementary legal, financial, and residential providers serving seniors in Lake Butler and Union County.
Russell A. Wade III, P.A. & Dukes Legal, P.A. — Russell A. 'Russ' Wade III, Esq. & Matthew Aaron Dukes, Esq. (Lake Butler Resident Probate, Estate Planning & Real Property Counsel)
Lake Butler, Union County
(386) 496-9656
Union County Housing Authority — Public Housing & Senior Apartments (HUD PHA #FL042 — Lake Butler)
Lake Butler, Union County
(386) 496-2047
Lake Butler Hospital (Critical Access Hospital, 25-Bed Skilled Swing-Bed Rehabilitation & 24/7 Emergency Department — Lake Butler)
Lake Butler, Union County
(386) 496-2323
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
DLP Bank (Formerly Community State Bank — Lake Butler In-County Branch & Starke Charter Headquarters)
Lake Butler, Union County
The Barber Group of Raymond James — Kelly Dean Barber, William 'Billy' Crossman & Alyssa Fortner (Lake Butler NW 1st Avenue In-County Branch)
Lake Butler, Union County
Robert Osborne Tax & Accounting, Inc. & Sandra Langley Gass, CPA (Lake Butler) — With Reddish & White, CPAs (#AD0005091), DDF CPA Group (#AC0008896), James Moore & Co. (#AD0015868) & Powell & Jones, CPAs
Lake Butler, Union County
Union County Farm Bureau Financial & Retirement Services — Ricky Dugger, Shane Parmenter & Caleb Romrell (Lake Butler Office — With James A. Buss State Farm Agency)
Lake Butler, Union 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.