1st Street Credit Union


Overview / Commentary
941-953-6744
1558 1st St
Sarasota, FL 34236

1st Street Credit Union is headquartered in Sarasota and is the 99th largest credit union in the state of Florida. It is also the 2,834th largest credit union in the nation. It was established in 1951 and as of December of 2019, it had grown to 6 employees and 2,473 members at 1 location. 1st Street Credit Union's CD rates are 90% 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+
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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.24%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$31.2MM$29.4MM
LoansQ4 2019vs Q4 2018$10.1MM$10.6MM
DepositsQ4 2019vs Q4 2018$27.2MM$25.6MM
Equity CapitalQ4 2019vs Q4 2018$3.7MM$3.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$119.00K$110.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$85.00K$91.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
0.80%*$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
2.47%*$100k*-60 Month Share Certificate
OTHER TIERS: 2.07% $1k - $50k | 2.27% $50k - $100k
2.42%*$50k*$100k24 Month Share Certificate
OTHER TIERS: 1.26% $100k+ | 2.02% $1k - $50k
2.32%*$100k*-18 Month Share Certificate
OTHER TIERS: 1.81% $1k - $50k | 2.07% $50k - $100k
1.76%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.56% $1k - $50k
1.71%*$50k*-12 Month Share Certificate
OTHER TIERS: 1.41% $1k - $50k
1.66%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.36% $1k - $50k | 1.46% $50k - $100k
1.51%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.10% $1k - $50k | 1.31% $50k - $100k

1st Street Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.58%*$100k*-60 Month IRA Certificate
OTHER TIERS: 2.17% $1k - $50k | 2.37% $50k - $100k
2.52%*$100k*-18 Month IRA Certificate
OTHER TIERS: 1.86% $1k - $50k | 2.12% $50k - $100k
2.22%*$1k*$50k24 Month IRA Certificate
OTHER TIERS: 1.15% $50k - $100k | 1.36% $100k+
1.96%*$100k*-12 Month IRA Certificate
OTHER TIERS: 1.51% $1k - $50k | 1.61% $50k - $100k
1.86%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.56% $1k - $50k | 1.66% $50k - $100k
1.61%*$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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