2. 1st Street Credit Union

1st Street Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.09%5-year CD
3.00% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.66%1-year CD
2.70% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.15%Savings
2.20% - Barclays Online Savings AccountAdvertisement
View all 1st Street Credit Union rates »

Overview / Commentary
1streetcu.com
941-953-6744
1558 1st St
Sarasota, FL 34236-8502

1st Street Credit Union is headquartered in Sarasota and is the 101st largest credit union in the state of Florida. It is also the 2,903rd largest credit union in the nation. It was established in 1951 and as of December of 2018, it had grown to 8 employees and 2,393 members at 1 location. 1st Street Credit Union's CD rates are 84% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to the following: 1) those who live, work, vounteer, worship or attend school in Charlotte, Manatee or Sarasota counties in Florida; 2) the city or county of Sarasota; 3) employees of any local, state or federal government agency; 4) those receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota.
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Health
B

Data as of Q4 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Street Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67309
Year Chartered1951
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD4.51%
Annual Interest Income$963.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$29.4MM$30.8MM
LoansQ4 2018vs Q4 2017$10.6MM$11.0MM
DepositsQ4 2018vs Q4 2017$25.6MM$27.1MM
Equity CapitalQ4 2018vs Q4 2017$3.7MM$3.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$110.00K$99.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$91.00K$40.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Street Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Traditional IRA Share
0.15%$100-Prime Share
0.15%$100-Special Shares
0.15%$100-Holiday Club

1st Street Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market
OTHER TIERS: 0.30% → $1k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k

1st Street Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.09%*$100k*-60 Month Share Certificate
OTHER TIERS: 2.88% → $1k - $50k | 2.98% → $50k - $100k
2.88%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.68% → $1k - $50k | 2.78% → $50k - $100k
2.68%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.47% → $1k - $50k | 2.57% → $50k - $100k
2.47%*$100k*-24 Month Share Certificate
OTHER TIERS: 2.27% → $1k - $50k | 2.37% → $50k - $100k
2.22%*$100k*-18 Month Share Certificate
OTHER TIERS: 2.02% → $1k - $50k | 2.12% → $50k - $100k
1.66%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.46% → $1k - $50k | 1.56% → $50k - $100k
1.36%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.15% → $1k - $50k | 1.26% → $50k - $100k

1st Street Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.14%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.93% → $1k - $50k | 3.03% → $50k - $100k
2.93%*$100k*-48 Month IRA Certificate
OTHER TIERS: 2.73% → $1k - $50k | 2.83% → $50k - $100k
2.52%*$100k*-24 Month IRA Certificate
OTHER TIERS: 2.32% → $1k - $50k | 2.42% → $50k - $100k
2.27%*$100k*-18 Month IRA Certificate
OTHER TIERS: 2.07% → $1k - $50k | 2.17% → $50k - $100k
1.71%*$100k*-12 Month IRA Certificate
OTHER TIERS: 1.51% → $1k - $50k | 1.61% → $50k - $100k
1.41%*$100k*-6 Month IRA Certificate
OTHER TIERS: 1.21% → $1k - $50k | 1.31% → $50k - $100k
Locations


1st Street Credit Union Locations
Branch Office1558 1st StSarasota, FL 34236-8502

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