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 2,815th largest credit union in the nation. It was established in 1951 and as of June of 2020, it had grown to 9 employees and 2,424 members at 1 location. 1st Street Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in 1st Street Credit Union is open to the following: 1) those who live, work, volunteer, worship or attend school in Charlotte, Manatee, or Sarasota Counties in Florida; 2) the city 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
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.21%
Annual Interest Income$512.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$34.7MM$29.9MM
LoansQ2 2020vs Q2 2019$9.6MM$10.4MM
DepositsQ2 2020vs Q2 2019$30.6MM$25.6MM
Equity CapitalQ2 2020vs Q2 2019$3.7MM$3.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$110.00K$135.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$153.00K$55.00K
Real Estate OwnedQ2 2020vs Q2 2019$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
0.10%$100-Prime Share
0.10%$100-Traditional IRA Share
0.10%$100-Special Shares
0.10%$100-Holiday Club

1st Street Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

1st Street Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-60 Month Share Certificate
OTHER TIERS: 0.70% $1k - $50k | 0.75% $50k - $100k
0.75%*$100k*-48 Month Share Certificate
OTHER TIERS: 0.60% $1k - $50k | 0.65% $50k - $100k
0.65%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.50% $1k - $50k | 0.55% $50k - $100k
0.55%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.40% $1k - $50k | 0.45% $50k - $100k
0.50%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.35% $1k - $50k | 0.40% $50k - $100k
0.45%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.30% $1k - $50k | 0.35% $50k - $100k
0.35%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $100k

1st Street Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$100k*-60 Month IRA Certificate
OTHER TIERS: 0.75% $1k - $50k | 0.80% $50k - $100k
0.80%*$100k*-48 Month IRA Certificate
OTHER TIERS: 0.65% $1k - $50k | 0.70% $50k - $100k
0.60%*$100k*-24 Month IRA Certificate
OTHER TIERS: 0.45% $1k - $50k | 0.50% $50k - $100k
0.55%*$100k*-18 Month IRA Certificate
OTHER TIERS: 0.40% $1k - $50k | 0.45% $50k - $100k
0.50%*$100k*-12 Month IRA Certificate
OTHER TIERS: 0.35% $1k - $50k | 0.40% $50k - $100k
0.40%*$100k*-6 Month IRA Certificate
OTHER TIERS: 0.25% $1k - $50k | 0.30% $50k - $100k
Locations


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

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