First Florida Credit Union

500 West 1st Street
Jacksonville, FL 32203
904-359-6800
www.firstflorida.org

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First Florida Credit Union is headquartered in Jacksonville and is the 29^th largest credit union in the state of Florida. It is also the 513^st largest credit union in the nation. It was established in 1950 and as of December of 2012, it had grown to 117 employees and 38,149 members. First Florida Credit Union has a 5-star health rating.

First Florida Credit Union Routing Number: 263079014

Competitive Long-Term CD Rates at First Florida Credit Union - 4/17/2012

In this awful interest rate environment, it's hard to find decent CD rates, and that's especially the case for Florida. I found a couple of competitive CD and IRA CD rates at First Florida Credit Unio ...

45-Month Special CD At First Florida Credit Union - Many Parts Of Florida (Forum) - 11/11/2010

This 45-month CD special isn't a great rate, but compared to what other institutions are offering in Florida, it's competitive. There are also shorter-term specials, but the rates are less competitive. As of 11/11/2010: 2.05% APY 45-month CD special 1

2.65% 13-Month CD and Other Competitive CD Rates at First Florida CU - North, Central and South FL - 4/28/2009

First Florida Credit Union continues to offer competitive rates on its certificate specials. They're down a little from March, but they remain competitive. The current rates include 2.15% APY for 5 months, 2.65% APY for 13 months, 2.80% APY for 22 months...

2.90% 13-Month CD and Other Competitive CD Rates at First Florida Credit Union - 3/19/2009

First Florida Credit Union is offering four competitive certificate specials: 2.25% APY for 5 months, 2.90% APY for 13 months, 3.00% APY for 22 months and 3.25% APY for 45 months. Minimum deposit is $1,000. These rates are listed at the bottom of the...

2009

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2007

11/10 - 5.35% 12-Month CD at a Florida CU - and $150 Checking/DD bonus (First Florida)

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Florida Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.35%	$600	-	Interest Bearing Checking

First Florida Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$25k	$10m	Savings Account
0.25%	$100	$10m	Christmas Club Account
0.25%	$1k	-	IRA Savings
0.25%	$1k	-	Roth IRA Savings
0.25%	$1k	-	CESA Savings
0.25%	$100	$10m	Adventure Club Account

First Florida Credit Union Money Market Rates

Apy	Min	Max	Product
0.25%	$2,500	-	Security Plus More
0.25%	$25k	-	High Yield Money Market
0.25%	$50k	-	Platinum Money Market

First Florida Credit Union CD Rates

Apy	Min	Max	Product
1.49%	$1k	-	Executive Gold Club 60 Month CD
1.49%	$1k	-	Golden Rainbow Club 60 Month CD
1.39%	$1k	-	60 Month CD
1.19%	$1k	-	Executive Gold Club 48 Month CD
1.19%	$1k	-	45 Month CD Special
1.19%	$1k	-	Golden Rainbow Club 48 Month CD
1.09%	$1k	-	48 Month CD
0.99%	$1k	-	Executive Gold Club 36 Month CD
0.99%	$1k	-	Golden Rainbow Club 36 Month CD
0.89%	$1k	-	36 Month CD
0.69%	$1k	-	Executive Gold Club 24 Month CD
0.69%	$1k	-	Executive Gold Club 30 Month CD
0.69%	$1k	-	22 Month CD Special
0.69%	$1k	-	Golden Rainbow Club 24 Month CD
0.69%	$1k	-	Golden Rainbow Club 30 Month CD
0.59%	$1k	-	24 Month CD
0.59%	$1k	-	30 Month CD
0.59%	$1k	-	24 Month Step CD
0.59%	$300	-	24 Month Sand Dollar CD
0.49%	$1k	-	Executive Gold Club 12 Month CD
0.49%	$1k	-	Executive Gold Club 18 Month CD
0.49%	$1k	-	13 Month CD Special
0.49%	$1k	-	Golden Rainbow Club 12 Month CD
0.49%	$1k	-	Golden Rainbow Club 18 Month CD
0.39%	$1k	-	12 Month CD
0.39%	$1k	-	18 Month CD
0.35%	$1k	-	Executive Gold Club 6 Month CD
0.35%	$1k	-	5 Month CD Special
0.35%	$1k	-	Golden Rainbow Club 6 Month CD
0.29%	$1k	-	Executive Gold Club 3 Month CD
0.29%	$1k	-	Golden Rainbow Club 3 Month CD
0.25%	$1k	-	6 Month CD
0.19%	$1k	-	3 Month CD

First Florida Credit Union IRA Rates

Apy	Min	Max	Product
1.49%	$1k	-	Executive Gold Club 60 Month IRA
1.49%	$1k	-	Executive Gold Club 60 Month Roth IRA
1.49%	$1k	-	Executive Gold Club 60 Month CESA
1.49%	$1k	-	Golden Rainbow Club 60 Month CESA
1.49%	$1k	-	Golden Rainbow Club 60 Month IRA
1.49%	$1k	-	Golden Rainbow Club 60 Month Roth IRA
1.39%	$1k	-	60 Month IRA
1.39%	$1k	-	60 Month Roth IRA
1.39%	$1k	-	60 Month CESA
1.19%	$1k	-	45 Month IRA Special
1.19%	$1k	-	Executive Gold Club 48 Month IRA
1.19%	$1k	-	45 Month Roth IRA Special
1.19%	$1k	-	Executive Gold Club 48 Month Roth IRA
1.19%	$1k	-	45 Month CESA Special
1.19%	$1k	-	Executive Gold Club 48 Month CESA
1.19%	$1k	-	Golden Rainbow Club 48 Month CESA
1.19%	$1k	-	Golden Rainbow Club 48 Month IRA
1.19%	$1k	-	Golden Rainbow Club 48 Month Roth IRA
1.09%	$1k	-	48 Month IRA
1.09%	$1k	-	48 Month Roth IRA
1.09%	$1k	-	48 Month CESA
0.99%	$1k	-	Executive Gold Club 36 Month IRA
0.99%	$1k	-	Executive Gold Club 36 Month Roth IRA
0.99%	$1k	-	Executive Gold Club 36 Month CESA
0.99%	$1k	-	Golden Rainbow Club 36 Month CESA
0.99%	$1k	-	Golden Rainbow Club 36 Month IRA
0.99%	$1k	-	Golden Rainbow Club 36 Month Roth IRA
0.89%	$1k	-	36 Month IRA
0.89%	$1k	-	36 Month Roth IRA
0.89%	$1k	-	36 Month CESA
0.69%	$1k	-	22 Month IRA Special
0.69%	$1k	-	Executive Gold Club 24 Month IRA
0.69%	$1k	-	Executive Gold Club 30 Month IRA
0.69%	$1k	-	22 Month Roth IRA Special
0.69%	$1k	-	Executive Gold Club 24 Month Roth IRA
0.69%	$1k	-	Executive Gold Club 30 Month Roth IRA
0.69%	$1k	-	22 Month CESA Special
0.69%	$1k	-	Executive Gold Club 24 Month CESA
0.69%	$1k	-	Executive Gold Club 30 Month CESA
0.69%	$1k	-	Golden Rainbow Club 24 Month CESA
0.69%	$1k	-	Golden Rainbow Club 24 Month IRA
0.69%	$1k	-	Golden Rainbow Club 24 Month Roth IRA
0.69%	$1k	-	Golden Rainbow Club 30 Month CESA
0.69%	$1k	-	Golden Rainbow Club 30 Month IRA
0.69%	$1k	-	Golden Rainbow Club 30 Month Roth IRA
0.59%	$1k	-	24 Month IRA
0.59%	$300	-	24 Month Sand Dollar IRA
0.59%	$1k	-	24 Month Step IRA
0.59%	$1k	-	30 Month IRA
0.59%	$1k	-	24 Month Roth IRA
0.59%	$300	-	24 Month Sand Dollar Roth IRA
0.59%	$1k	-	24 Month Step Roth IRA
0.59%	$1k	-	30 Month Roth IRA
0.59%	$1k	-	24 Month CESA
0.59%	$300	-	24 Month Sand Dollar CESA
0.59%	$1k	-	24 Month Step CESA
0.59%	$1k	-	30 Month CESA
0.49%	$1k	-	Executive Gold Club 12 Month IRA
0.49%	$1k	-	13 Month IRA Special
0.49%	$1k	-	Executive Gold Club 18 Month IRA
0.49%	$1k	-	Executive Gold Club 12 Month Roth IRA
0.49%	$1k	-	13 Month Roth IRA Special
0.49%	$1k	-	Executive Gold Club 18 Month Roth IRA
0.49%	$1k	-	Executive Gold Club 12 Month CESA
0.49%	$1k	-	13 Month CESA Special
0.49%	$1k	-	Executive Gold Club 18 Month CESA
0.49%	$1k	-	Golden Rainbow Club 12 Month CESA
0.49%	$1k	-	Golden Rainbow Club 12 Month IRA
0.49%	$1k	-	Golden Rainbow Club 12 Month Roth IRA
0.49%	$1k	-	Golden Rainbow Club 18 Month CESA
0.49%	$1k	-	Golden Rainbow Club 18 Month IRA
0.49%	$1k	-	Golden Rainbow Club 18 Month Roth IRA
0.39%	$1k	-	12 Month IRA
0.39%	$1k	-	18 Month IRA
0.39%	$1k	-	12 Month Roth IRA
0.39%	$1k	-	18 Month Roth IRA
0.39%	$1k	-	12 Month CESA
0.39%	$1k	-	18 Month CESA
0.35%	$1k	-	5 Month IRA Special
0.35%	$1k	-	Executive Gold Club 6 Month IRA
0.35%	$1k	-	5 Month Roth IRA Special
0.35%	$1k	-	Executive Gold Club 6 Month Roth IRA
0.35%	$1k	-	5 Month CESA Special
0.35%	$1k	-	Executive Gold Club 6 Month CESA
0.35%	$1k	-	Golden Rainbow Club 6 Month CESA
0.35%	$1k	-	Golden Rainbow Club 6 Month IRA
0.35%	$1k	-	Golden Rainbow Club 6 Month Roth IRA
0.29%	$1k	-	Executive Gold Club 3 Month IRA
0.29%	$1k	-	Executive Gold Club 3 Month Roth IRA
0.29%	$1k	-	Executive Gold Club 3 Month CESA
0.29%	$1k	-	Golden Rainbow Club 3 Month CESA
0.29%	$1k	-	Golden Rainbow Club 3 Month IRA
0.29%	$1k	-	Golden Rainbow Club 3 Month Roth IRA
0.25%	$1k	-	6 Month IRA
0.25%	$1k	-	6 Month Roth IRA
0.25%	$1k	-	6 Month CESA
0.19%	$1k	-	3 Month IRA
0.19%	$1k	-	3 Month Roth IRA
0.19%	$1k	-	3 Month CESA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

FIRST FLORIDA
NCUA #	61170
BankRate Report	View
Year Chartered	1950
Employees	117
Primary Regulator
Assets and Liabilities
Assets	$401.17 million
Loans	$176.06 million
Deposits	$341.06 million
Equity Capital	$53.39 million
Loan Loss Allowance	$1.95 million
Unbacked Noncurrent Loans	$1.75 million
Real Estate Owned	$641,000
Historic Data - December 2011
Assets	$390.13 million
Equity Capital	$52.45 million
Loan Loss Allowance	$2.13 million
Unbacked Noncurrent Loans	$2.42 million
Profit Margin - Quarterly
Net Interest Margin	5.14%
Return on Assets	0.76%
Return on Equity	5.71%
Interest Income	$12.99 million
Non-Interest Income	$7.16 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 First Florida Credit Union had $2.39 million in non-current loans and owned real-estate with $55.35 million in equity and loan loss allowances on hand to cover it. This gives First Florida Credit Union a Texas Ratio of 4.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Florida Credit Union held steady from 4.42% as of December 31, 2011 to 4.33% as of December 31, 2012, resulting in a positive change of 2.24%.This indicates that the balance sheet and financial strength for First Florida Credit Union has held steady in recent periods.
Deposit Growth
In the past year, First Florida Credit Union has increased its total deposits by $12.67 million, resulting in 3.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Florida Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Florida Credit Union has $401.17 million in assets with $55.35 million in equity, resulting in a capitalization level of 13.80%, which is excellent.