Envision CU (FL)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.35%	1-year CD	12 Month CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.15%	Savings	Special Savings Account 1.35% - CIT Bank Premier High Yield Savings
1.06%	4-year CD	48 Month CD 1.90% - Goldman Sachs Bank USA 4 Year CD

View all Envision CU (FL) rates »

Overview / Commentary

www.envisioncu.com

850-942-9000

440 N Monroe St
Tallahassee, FL 32301-1258

Envision CU (FL) is headquartered in Tallahassee and is the 32^nd largest credit union in the state of Florida. It is also the 541^st largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 174 employees and 45,237 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.
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Reviews (2)

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Featured Account Options

Good Ole Fashion Credit Union

Posted by: RonaldWFye | Jul 21, 2016

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.

Comment

1

Envision Has Been Going Downhill Lately

Posted by: Geoffrey Dymoke | Mar 11, 2017

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

Comment

2

Health

B+

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67329
Year Chartered	1954
Employees	174
Primary Regulator

Profit Margin
Return on Assets - YTD	1.16%
Return on Equity - YTD	13.18%
Annual Interest Income	$9.3MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$491.9MM$468.2MM
Loans	Q2 2017vs Q2 2016	$333.7MM$266.7MM
Deposits	Q2 2017vs Q2 2016	$422.1MM$408.1MM
Equity Capital	Q2 2017vs Q2 2016	$42.8MM$39.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$2.2MM$1.6MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$2.3MM$1.8MM
Real Estate Owned	Q2 2017vs Q2 2016	$313.00K$721.00K

Rates

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Savings
Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	-	Sterling Plus Fund Business Account
OTHER TIERS: 0.25% → $10k - $25k \| 0.35% → $25k - $50k
0.30%^*	$25k^*	-	Sterling Fund Business Account
OTHER TIERS: 0.20% → $2,500 - $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
0.15%^*	$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

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	-	Sterling Plus Fund Money Market Account
OTHER TIERS: 0.25% → $10k - $25k \| 0.35% → $25k - $50k
0.30%^*	$25k^*	-	Sterling Fund Money Market Accounts
OTHER TIERS: 0.20% → $2,500 - $10k \| 0.25% → $10k - $25k

Envision CU (FL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.06%	$500	-	48 Month CD
1.05%	$500	$100k	Business 48 Month CD
0.75%	$500	$100k	Business 36 Month CD
0.75%	$500	-	36 Month CD
0.55%	$500	$100k	Business 24 Month CD
0.55%	$500	-	24 Month CD
0.35%	$500	$100k	Business 12 Month CD
0.35%	$500	-	12 Month CD
0.30%	$1k	$100k	Business 6 Month CD
0.30%	$1k	-	6 Month CD
0.25%	$1k	$100k	Business 3 Month CD
0.25%	$1k	-	3 Month CD

Envision CU (FL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$500	-	48 Month IRA
0.75%	$500	-	36 Month IRA
0.55%	$500	-	24 Month IRA
0.35%	$500	-	12 Month IRA
0.30%	$1k	-	6 Month IRA
0.25%	$1k	-	3 Month IRA

Locations

Cities: Bainbridge, Chattahoochee, Marianna, Quincy, Tallahassee, TALLAHASSEE

Bainbridge Branches
Branch Office	1400 E Shotwell St Ste 140	Bainbridge, GA 39819-4269

Chattahoochee Branches
Branch Office	303 E Washington St	Chattahoochee, FL 32324-1532

Marianna Branches
Branch Office	4942 Highway 90	Marianna, FL 32446

Quincy Branches
Branch Office	517 W JEFFERSON ST	Quincy, FL 32351-2329
Branch Office	639 S Pat Thomas Pkwy	Quincy, FL 32351

Tallahassee Branches
Branch Office	440 N MONROE ST	Tallahassee, FL 32301-1258
Branch Office	3618 N MONROE ST	Tallahassee, FL 32303-2748
Branch Office	3190 APALACHEE PKWY	Tallahassee, FL 32311-5202

TALLAHASSEE Branches
Branch Office	3519 THOMASVILLE RD	TALLAHASSEE, FL 32309
Branch Office	421 APPLEYARD DR	TALLAHASSEE, FL 32304-2808