Community Credit Union (FL)


Overview / Commentary
321-690-2328
1030 US Highway 1
Rockledge, FL 32955

Community Credit Union (FL) is headquartered in Rockledge and is the 22nd largest credit union in the state of Florida. It is also the 347th largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 164 employees and 58,538 members at 9 locations. Community Credit Union (FL)'s savings rates are 10X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Community Credit Union is open to the following: 1) those who live, work, worship, attend school, or conduct business in the Florida counties of Brevard, Indian River, Orange, Osceola, Polk, or Volusia; 2) employees of the education system, healthcare industry, public information commerce or public service in Orange County in Florida; 3) those associated with ABATE of Florida; 4) immediate family of current credit union members.
See current membership details

Reviews (4)

SAFE AND SECURE IN FLORIDA ! ! !

Well the rates are now again really attractive so i have sent all our ira savings and more back to A+ rated COMMUNITY FCU to be readily available in retirement to draw from as needed and nice to feel secure that the funds at COMMUNITY FCU are safe as A+ is still A+

My Review of Community Credit Union of Florida

My experience with Community Credit Union of Florida has been generally very good. Of the negative things I experienced with them was their requirement to take and pass a class about how to manage a checking account. They evidently made me do this because I had lacked an account with a financial institution for a while, a year or two, before applying for an account with them. Ordinarily that would have been fine, although the course itself they had me take was crummy and poorly prepared the student to pass the examination at the end because the multiple choice questions in the exam were worded significantly differently than the material in the course. The good news is once I got my account with the credit union everything there after was good. Customer service has been very friendly and I have zero problems with them handling the finances of my checking and savings accounts. That is a whole world of difference from Banks who create every excuse imaginable to thieve out of their depositors accounts. Other than wishing they would find a better personal finance course to prepare account holders with, my opinion of my credit union would be hard pressed to be any better. In short zero problem equals a big plus in my book.

Scammers AVOID

Posted by: |

DO not open an account at this credit union!!!! I recently opened an account at this credit union and I opened a checking account and purchased a CD. After I opened the account, I was told that I could not deposit checks larger than $1000 with a limit of 2 per day and that the total amount for the month would be $6000 for the first 60 days. I called customer service to request a increase on these amounts since my business well exceeds both amounts. Customer service told me that they would be back to me in 2days. Well over one month later and 5 calls to customer service without an answer and two calls with left messages to the local branch that were not returned, I decided to close the account. I was told that because I was closing the CD earlier, I had to pay a penalty of $359 on the CD when the interest was only $25!!! No where online was this stated. I was told that it was in the fine print of the CD disclosure I was given when I opened the account.

AVOID THIS ESTABLISHMENT

Terrible Customer Service

Posted by: |

I was Trying to correct an account I was behind due to Covid and loss of employment with an auto loan. They CLEARLY said we have the option to help you but we decided otherwise so they messed up my credit for good. I had the money to pay the back pay and continue payments but they said no, they grilled me on the phone about all my bills and how I would pay. I explained over and over what I was trying to do to get right with them and they WOULD NOT help in any way the rates might be good but they don’t care about you long term at all.



Health
A+

Health Grade Components

Overall
NCUA #60816
Year Chartered1953
Employees164
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.2%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.37B$1.19B
LoansQ1 2024vs Q1 2023$966.8MM$859MM
DepositsQ1 2024vs Q1 2023$1.14B$1.03B
Equity CapitalQ1 2024vs Q1 2023$142.2MM$132MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9.1MM$8.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.2MM$646K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Community Credit Union (FL); 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.

Community Credit Union (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$500Serious Saver Account
OTHER TIERS: 0.30% $500+
3.00%*$750k*-Business Premium Savings
OTHER TIERS: 1.00% $0 - $25k | 1.50% $25k - $50k | 2.00% $50k - $100k | 2.25% $100k - $250k | 2.50% $250k - $500k | 2.75% $500k - $750k
1.25%*$100k*-Premium Savings
OTHER TIERS: 0.30% $0 - $25k | 1.10% $25k - $50k | 1.20% $50k - $100k
0.65%$0-IRA Super Savers Account
0.25%$0-My Club Account
0.25%$0-Holiday Club Account
0.05%$5-Share Savings
0.05%$5-Business Share Savings

Community Credit Union (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2.5k-Money Market

Community Credit Union (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$0$5kFree Checking Plus
OTHER TIERS: 0.10% $5k+
2.50%*$0$5kStudent Checking
OTHER TIERS: 0.10% $5k+
0.20%*$100k*-Business Plus Checking with Interest
OTHER TIERS: 0.15% $1k - $100k
0.15%*$25k*-Premium Checking
OTHER TIERS: 0.10% $10k - $25k
0.10%$4k-Business Checking with Interest
0.10%$600-Organizational Checking

Community Credit Union (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.80%$1k-9 Month CD
4.80%$1k-Business 9 Month CD
4.50%$1k-6 Month CD
4.50%$1k-12 Month CD
4.50%$1k-Business 6 Month CD
4.50%$1k-Business 12 Month CD
3.75%$1k-18 Month CD
3.75%$1k-Business 18 Month CD
3.50%$1k-36 Month CD
3.50%$1k-Business 36 Month CD
3.45%$1k-48 Month CD
3.45%$1k-Business 48 Month CD
3.40%$1k-24 Month CD
3.40%$1k-Business 24 Month CD
3.25%$1k-60 Month CD
3.25%$1k-Business 60 Month CD

Community Credit Union (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.80%$1k-9 Month IRA
4.50%$1k-6 Month IRA
4.50%$1k-12 Month IRA
3.75%$1k-18 Month IRA
3.50%$1k-36 Month IRA
3.45%$1k-48 Month IRA
3.40%$1k-24 Month IRA
3.25%$1k-60 Month IRA
Locations


Community Credit Union (FL) Locations
Branch Office293 E Eau Gallie BlvdIndian Harbour Beach, FL 32937-4800
Branch Office660 West AveCocoa, FL 32927-4971
Branch Office7380 Murrell Rd Ste 102Viera, FL 32940
Branch Office2455 S Washington AveTitusville, FL 32780
Branch Office333 E Nasa BlvdMelbourne, FL 32901-1939
Branch Office1325 Palm Bay RdMelbourne, FL 32905-3838
Branch Office1030 US Highway 1Rockledge, FL 32955-2716
Branch Office5340 Stadium PkwyViera, FL 32955-6030
Branch Office5525 N Wickham RdMelbourne, FL 32940

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