Country Financial Credit Union

Overview / Commentary
602 S 6th St
Macclenny, FL 32063

Country Financial Credit Union is headquartered in Macclenny and is the 67th largest credit union in the state of Florida. It is also the 1,700th largest credit union in the nation. It was established in 1967 and as of March of 2020, it had grown to 31 employees and 7,164 members at 3 locations. Country Financial Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Country Federal Credit Union is open to those who live or work in the Florida counties of Baker or Nassau, or portions of Duval County. Immediate family members of those eligible to join also qualify for membership.
See current membership details


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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. Country Financial Credit Union has a relatively low asset base.

Health Grade Components

NCUA #68691
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.97%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$95.6MM$85.6MM
LoansQ1 2020vs Q1 2019$63.1MM$61.9MM
DepositsQ1 2020vs Q1 2019$85.2MM$75.5MM
Equity CapitalQ1 2020vs Q1 2019$9.5MM$8.3MM
Loan Loss AllowanceQ1 2020vs Q1 2019$397.00K$384.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$560.00K$155.00K
Real Estate OwnedQ1 2020vs Q1 2019$21.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Country Financial Credit Union Savings Account Rates

1.26%*$101k*-IRA Account
OTHER TIERS: 0.75% Up to $15k | 1.00% $15k - $101k
0.50%*$100k*-Super Cash
OTHER TIERS: 0.20% $5k - $50k | 0.25% $50k - $100k
0.20%$50-Christmas Club
0.20%$50-Kids' Club
0.15%--Regular Share
0.15%$50-Club Savings

Country Financial Credit Union Checking Account Rates

0.25%$5k-Mega Money Draft

Country Financial Credit Union CD Rates

1.30%--60 Month CD
1.20%--48 Month CD
1.10%--36 Month CD
0.90%--24 Month CD
0.80%--18 Month CD
0.70%--12 Month CD
0.60%--6 Month CD

Country Financial Credit Union IRA Rates

1.30%--60 Month IRA
1.20%--48 Month IRA
1.10%--36 Month IRA
0.90%--24 Month IRA
0.80%--18 Month IRA
0.70%--12 Month IRA
0.60%--6 Month IRA

Country Financial Credit Union Locations
Branch Office602 S 6th StMacclenny, FL 32063-2608
Branch Office100 Lima St SBaldwin, FL 32234-1731
Branch Office450027 Old Dixie HwyCallahan, FL 32011-7885

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