Overview / Commentary
1585 Summit Lake Dr Ste 200
Tallahassee, FL 32317

Envision CU (FL) is headquartered in Tallahassee and is the 28th largest credit union in the state of Florida. It is also the 494th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 228 employees and 53,781 members at 13 locations. Envision CU (FL)'s money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Envision Credit Union of Florida is open to the residents and people maintaining employment within these eligible counties: Leon, Gadsden, Jefferson, Wakulla, Liberty, and Franklin.
See current membership details

Reviews (2)

Good Ole Fashion Credit Union

It's 2016, this Credit Union still operates like a Credit Union. What does that mean? It means they are always trying to help the Member instead of worrying about their financial ratios like a local Commerce Credit Union.

Envision Has Been Going Downhill Lately

Envision used to be a great credit union (been member for over 10 years). It was very responsive to members and had great products. But, over the last 2 years it has gone down the tubes in terms of service and management. Every decision seems to be based on enlarging the member base (by absorbing other credit unions) with little regard to how it impacts current members. Many of the functions that made it a great 'hometown' credit union are now farmed out to out of town (even out of country) service providers that has changed providing general service from minutes or at most a hour to taking days and even weeks. Envision management made the conscious decision to change debit and credit card service to two separate companies causing chaos with the card rewards program. Already earned rewards points were split between two separate companies and lost about 45% of their buying value in the process. Envision has also farmed out its mortgage servicing to a national service. In the past, one dealt with a mortgage officer directly, now its all a crap shoot as to what you will get and any efforts to refinance seems to involve many extra hoop jumps


Health Grade Components

NCUA #67329
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.82%
Annual Interest Income$22.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$587.0MM$523.5MM
LoansQ4 2018vs Q4 2017$419.5MM$361.8MM
DepositsQ4 2018vs Q4 2017$520.7MM$447.9MM
Equity CapitalQ4 2018vs Q4 2017$50.8MM$46.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.8MM$2.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.4MM$2.7MM
Real Estate OwnedQ4 2018vs Q4 2017$165.00K$350.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Envision CU (FL) Savings Account Rates

0.50%*$50k*-Sterling Plus Fund Business Account
OTHER TIERS: 0.30% $10k - $25k | 0.40% $25k - $50k
0.30%*$25k*-Sterling Fund Business Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k
0.30%*$10k*-IRA Savings Account
OTHER TIERS: 0.05% $100 - $2.5k | 0.15% $2.5k - $5k | 0.25% $5k - $10k
0.15%*$1k*-Business Membership Share Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Business Special Savings Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Membership Share Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Special Savings Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Christmas Club Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Holiday Club Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Summer Paycheck Account
OTHER TIERS: 0.05% $100 - $1k
0.15%*$1k*-Vacation Account
OTHER TIERS: 0.05% $100 - $1k

Envision CU (FL) Money Market Rates

0.60%*$50k*-Sterling Plus Fund Money Market Account
OTHER TIERS: 0.40% $10k - $25k | 0.50% $25k - $50k
0.40%*$25k*-Sterling Fund Money Market Accounts
OTHER TIERS: 0.30% $2.5k - $10k | 0.35% $10k - $25k

Envision CU (FL) Checking Account Rates

0.10%*$10k*-Business Essentials Checking Account
OTHER TIERS: 0.05% $7.5k - $10k
0.10%*$10k*-Business Plus Checking Account
OTHER TIERS: 0.05% $7.5k - $10k
0.10%*$10k*-Business Advantage Checking Account
OTHER TIERS: 0.05% $7.5k - $10k
0.10%*$5k*-Checking Accounts
OTHER TIERS: 0.05% $2.5k - $5k

Envision CU (FL) CD Rates

2.78%$500-45-51 Month CD
2.53%$500-33-39 Month CD
2.27%$500-21-27 Month CD
2.25%$500$100kBusiness 48 Month CD
2.00%$500$100kBusiness 36 Month CD
1.87%$500-9-15 Month CD
1.75%$500$100kBusiness 24 Month CD
1.50%$500$100kBusiness 12 Month CD
1.25%$1k-6 Month CD
0.80%$1k$100kBusiness 6 Month CD
0.76%$1k-3 Month CD
0.50%$1k$100kBusiness 3 Month CD

Envision CU (FL) IRA Rates

2.78%$500-45-51 Month IRA
2.53%$500-33-39 Month IRA
2.27%$500-21-27 Month IRA
1.87%$500-9-15 Month IRA
1.25%$1k-6 Month IRA
0.76%$1k-3 Month IRA


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