Envision CU (FL)


Overview / Commentary
850-942-9000
1585 Summit Lake Dr Ste 200
Tallahassee, FL 32317

Envision CU (FL) is headquartered in Tallahassee and is the 27th largest credit union in the state of Florida. It is also the 482nd largest credit union in the nation. It was established in 1954 and as of June of 2019, it had grown to 230 employees and 55,379 members at 13 locations. Envision CU (FL)'s CD rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Envision Credit Union is open to the those who live or work in Bay, Calhoun, Franklin, Gadsden, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Walton or Washington counties FL; or Brooks, Grady, Mitchell, or Thomas counties GA.
See current membership details

Reviews (3)

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.

They Send Unencrypted Emails To You

Posted by: io | Jul 11, 2019

Emails can be intercepted and read in clear text. I applied online and 3 days later I got an email with a adobe file. When I clicked it had most of my sensitive data with no logging on needed. They wanted me to electronically sign it. Which I did and then thought about wait, just a click is all I needed? After I sent it I noticed the link was now not click-able anymore and I was glad for a second. Then I get another link for my records which just needs a click and again has most of my info and is live forever now all over the internet unencrypted. Just a random click and boom you can see all my info.

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

Health Grade Components

Overall
NCUA #67329
Year Chartered1954
Employees230
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD6.85%
Annual Interest Income$13.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$627.1MM$560.1MM
LoansQ2 2019vs Q2 2018$459.1MM$385.5MM
DepositsQ2 2019vs Q2 2018$550.1MM$479.3MM
Equity CapitalQ2 2019vs Q2 2018$53.3MM$50.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.1MM$3.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.8MM$2.7MM
Real Estate OwnedQ2 2019vs Q2 2018$128.00K$165.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Envision CU (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.

Envision CU (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Sterling Plus Fund Business Account
OTHER TIERS: 0.40% $10k - $25k | 0.50% $25k - $50k
0.35%*$25k*-Sterling Fund Business Account
OTHER TIERS: 0.25% $2.5k - $10k | 0.30% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Sterling Plus Fund Money Market Account
OTHER TIERS: 0.40% $10k - $25k | 0.50% $25k - $50k
0.35%*$25k*-Sterling Fund Money Market Accounts
OTHER TIERS: 0.25% $2.5k - $10k | 0.30% $10k - $25k

Envision CU (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.43%$500$100kBusiness 48 Month CD
2.43%$500-48 Month CD
2.32%$500$100kBusiness 36 Month CD
2.32%$500-36 Month CD
2.22%$500$100kBusiness 24 Month CD
2.22%$500-24 Month CD
1.87%$500$100kBusiness 12 Month CD
1.87%$500-12 Month CD
1.26%$1k$100kBusiness 6 Month CD
1.26%$1k-6 Month CD
0.75%$1k$100kBusiness 3 Month CD
0.75%$1k-3 Month CD

Envision CU (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.43%$500-48 Month IRA
2.32%$500-36 Month IRA
2.22%$500-24 Month IRA
1.87%$500-12 Month IRA
1.26%$1k-6 Month IRA
0.75%$1k-3 Month IRA
Locations

Availability



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