1st Street Credit Union

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CURRENT TOP RATE

60 Month IRA Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.83%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.66%	1-year CD	2.65% - Barclays 12 Month Online CD
0.15%	Savings	2.00% - Ally Bank Online Savings Account

View all 1st Street Credit Union rates »

Overview / Commentary

941-953-6744

1558 1st St
Sarasota, FL 34236-8502

1st Street Credit Union is headquartered in Sarasota and is the 100^th largest credit union in the state of Florida. It is also the 2,893^rd largest credit union in the nation. It was established in 1951 and as of September of 2018, it had grown to 9 employees and 2,376 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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Related Posts

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2006

1/27 - 5.01% 6-Month CD at a Florida CU

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Health

B

Data as of Q3 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 Chartered	1951
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	6.01%
Annual Interest Income	$721.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$29.9MM$30.5MM
Loans	Q3 2018vs Q3 2017	$10.6MM$11.2MM
Deposits	Q3 2018vs Q3 2017	$25.8MM$26.9MM
Equity Capital	Q3 2018vs Q3 2017	$3.7MM$3.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$86.00K$101.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$77.00K$68.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$100k^*	-	Money Market
OTHER TIERS: 0.25% → $1k - $25k \| 0.35% → $25k - $50k \| 0.45% → $50k - $100k

1st Street Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.83%^*	$100k^*	-	60 Month Share Certificate
OTHER TIERS: 2.63% → $1k - $50k \| 2.73% → $50k - $100k
2.52%^*	$100k^*	-	48 Month Share Certificate
OTHER TIERS: 2.32% → $1k - $50k \| 2.42% → $50k - $100k
2.32%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 2.12% → $1k - $50k \| 2.22% → $50k - $100k
2.27%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 2.07% → $1k - $50k \| 2.17% → $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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.88%^*	$100k^*	-	60 Month IRA Certificate
OTHER TIERS: 2.68% → $1k - $50k \| 2.78% → $50k - $100k
2.58%^*	$100k^*	-	48 Month IRA Certificate
OTHER TIERS: 2.37% → $1k - $50k \| 2.47% → $50k - $100k
2.32%^*	$100k^*	-	24 Month IRA Certificate
OTHER TIERS: 2.12% → $1k - $50k \| 2.22% → $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 Office	1558 1st St	Sarasota, FL 34236-8502

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