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Overview / Commentary
850-942-9000
440 N Monroe St
Tallahassee, FL 32301-1258

Envision CU (FL) is headquartered in Tallahassee and is the 32nd largest credit union in the state of Florida. It is also the 558th largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 179 employees and 46,167 members at 10 locations. Envision CU (FL) has a B+ 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
B+

Health Grade Components

Overall
NCUA #67329
Year Chartered1954
Employees179
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD6.22%
Annual Interest Income$15.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$456.1MM$307.6MM
LoansQ4 2016vs Q4 2015$297.1MM$167.3MM
DepositsQ4 2016vs Q4 2015$406.9MM$263.4MM
Equity CapitalQ4 2016vs Q4 2015$39.4MM$28.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.9MM$1.8MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.6MM$1.3MM
Real Estate OwnedQ4 2016vs Q4 2015$900.00K$337.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Sterling Plus Fund Business Account
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $25k
0.30%*$10k*-IRA Savings Account
OTHER TIERS: 0.05% $100 - $2,500 | 0.15% $2,500 - $5k | 0.25% $5k - $10k
0.25%*$2k*-Business Membership Share Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Business Special Savings Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Membership Share Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Special Savings Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Christmas Club Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Holiday Club Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Summer Paycheck Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.25%*$2k*-Vacation Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $2k
0.20%*$10k*-Sterling Fund Business Account
OTHER TIERS: 0.05% $500 - $2k | 0.15% $2k - $10k

Envision CU (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Sterling Plus Fund Money Market Account
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $25k
0.20%*$10k*-Sterling Fund Money Market Accounts
OTHER TIERS: 0.05% $500 - $2k | 0.15% $2k - $10k

Envision CU (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Business Essentials Checking Account
OTHER TIERS: 0.05% $7,500 - $10k
0.10%*$10k*-Business Plus Checking Account
OTHER TIERS: 0.05% $7,500 - $10k
0.10%*$10k*-Business Advantage Checking Account
OTHER TIERS: 0.05% $7,500 - $10k
0.10%*$5k*-Checking Accounts
OTHER TIERS: 0.05% $2,500 - $5k

Envision CU (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500$100kBusiness 48 Month CD
0.60%$500-48 Month CD
0.50%$500$100kBusiness 36 Month CD
0.50%$500-36 Month CD
0.35%$500$100kBusiness 24 Month CD
0.35%$500-24 Month CD
0.20%$500$100kBusiness 12 Month CD
0.20%$500-12 Month CD
0.15%$1k$100kBusiness 6 Month CD
0.15%$1k-6 Month CD
0.10%$1k$100kBusiness 3 Month CD
0.10%$1k-3 Month CD

Envision CU (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-48 Month IRA
0.50%$500-36 Month IRA
0.35%$500-24 Month IRA
0.20%$500-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations


Envision CU (FL) Locations
Branch Office517 W JEFFERSON STQuincy, FL 32351-2329
Branch Office440 N MONROE STTallahassee, FL 32301-1258
Branch Office3519 THOMASVILLE RDTALLAHASSEE, FL 32309
Branch Office3618 N MONROE STTallahassee, FL 32303-2748
Branch Office421 APPLEYARD DRTALLAHASSEE, FL 32304-2808
Branch Office3190 APALACHEE PKWYTallahassee, FL 32311-5202
Branch Office303 E Washington StChattahoochee, FL 32324-1532
Branch Office4942 Highway 90Marianna, FL 32446
Branch Office639 S Pat Thomas PkwyQuincy, FL 32351
Branch Office1400 E Shotwell St Ste 140Bainbridge, GA 39819-4269