2. 1st Street Credit Union

1st Street Credit Union


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 100th largest credit union in the state of Florida. It is also the 2,856th largest credit union in the nation. It was established in 1951 and as of September of 2019, it had grown to 7 employees and 2,449 members at 1 location. 1st Street Credit Union's money market rates are 82% 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 Q3 2019

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
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.15%
Annual Interest Income$761.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$30.6MM$29.9MM
LoansQ3 2019vs Q3 2018$10.4MM$10.6MM
DepositsQ3 2019vs Q3 2018$26.4MM$25.8MM
Equity CapitalQ3 2019vs Q3 2018$3.7MM$3.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$133.00K$86.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$85.00K$77.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not 1st Street Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.80%*$100k*-Money Market
OTHER TIERS: 0.30% → $1k - $25k | 0.40% → $25k - $50k | 0.70% → $50k - $100k

1st Street Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.68%*$100k*-60 Month Share Certificate
OTHER TIERS: 2.47% → $1k - $50k | 2.58% → $50k - $100k
2.47%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.27% → $1k - $50k | 2.37% → $50k - $100k
2.27%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.07% → $1k - $50k | 2.17% → $50k - $100k
1.96%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.76% → $1k - $50k | 1.86% → $50k - $100k
1.61%*$100k*-18 Month Share Certificate
OTHER TIERS: 1.41% → $1k - $50k | 1.51% → $50k - $100k
1.56%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.36% → $1k - $50k | 1.46% → $50k - $100k
1.31%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.10% → $1k - $50k | 1.21% → $50k - $100k

1st Street Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.73%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.52% → $1k - $50k | 2.63% → $50k - $100k
2.52%*$100k*-48 Month IRA Certificate
OTHER TIERS: 2.32% → $1k - $50k | 2.42% → $50k - $100k
2.02%*$100k*-24 Month IRA Certificate
OTHER TIERS: 1.81% → $1k - $50k | 1.91% → $50k - $100k
1.66%*$100k*-18 Month IRA Certificate
OTHER TIERS: 1.46% → $1k - $50k | 1.56% → $50k - $100k
1.61%*$100k*-12 Month IRA Certificate
OTHER TIERS: 1.41% → $1k - $50k | 1.51% → $50k - $100k
1.36%*$100k*-6 Month IRA Certificate
OTHER TIERS: 1.15% → $1k - $50k | 1.26% → $50k - $100k
Locations


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

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