First Coast Community Credit Union

Overview / Commentary
306 S Palm Ave
Palatka, FL 32177

First Coast Community Credit Union is headquartered in Palatka and is the 60th largest credit union in the state of Florida. It is also the 1,483rd largest credit union in the nation. It was established in 1948 and as of March of 2024, it had grown to 30 employees and 12,070 members at 3 locations. First Coast Community Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

First Coast Community Credit Union of Florida is open to the residents, business owners, registered students and the people that maintain employment in the counties of Flagler and Putnam.
See current membership details

Reviews (4)

Local People Who Care

When I opened my first account with First Coast Community Credit Union I did not think I had much of a chance. After a long stint of un/under-employment my credit rating was in the trash and I couldn't get a checking account anywhere.

Thankfully FCCCU understood my situation and took a chance. I opened a savings account and secured credit card with them, three months later I had my first checking account in 5 years. A year after that they were able to offer me a loan for a used car and an unsecured credit card.

Thanks to FCCCU I was able to get my credit and savings back on track.

FCCCU rating

Posted by: |

I have been a customer for over twenty years. When I first started with them, I loved the service, rates and people. In the past several years, as the bank has grown in size, they have also grown cold in customer service. Instead of the small town feel that it had when I first opened my account I now feel that I am merely a number. They may be competitive with other institutions as far as rates however, they have instituted new fees that make it difficult to withdraw your own money. Also, gone are the days of fast and friendly service for the most part. The lines a generally long and the tellers seem tired. If I had not been a customer for so long and if it was not such a hassle to change everything, I more than likely would move my account to another bank. One good thing is they now have more branches.

Worst Banking Experience Ever!

Posted by: |

Customer service folks - A+
Banking services - F-
Our checkcards/debit cards don't work! We need our debit cards! They keep saying we entered the wrong pin, it's not possible that we are entering the wrong pin everytime we try to use them. I will be closing our accounts after 1 month. I can't take the aggravation. Also, you have to GO to the bank to do anything. Most banks let you do almost all transactions online. I can't remember the last time I had to go to a bank & I'm no youngster. Just awful but there are some nice folks working there, they just don't know what to do when you have a problem!

Closing Woes

Posted by: |

Horrible web interface, laughable security practices, severly inadequate "features".  When we signed up for an account, there was a "$25 new account bonus".  Here it is ~2 years later, and that money is still not "available", though it supposedly exists in my account.

I moved, and forgot to close the account.  Then the paltry balance that I left in that checking account, was steadily decreased by monthly maintenance fees.  The only way to stop this, while not being in the area, was to transfer the remainder to the savings account and close the checking account.  I wanted to just close all accounts and withdraw the remainder of the balance, but this was not allowed over the phone or via the web page.  The only method is to travel back there, during bank hours, and close it in person, or to send a notorized request with a copy of my drivers license via snail mail.

I despise this bank.


Health Grade Components

NCUA #68524
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD9.56%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$150.9MM$156MM
LoansQ1 2024vs Q1 2023$49.3MM$50.8MM
DepositsQ1 2024vs Q1 2023$131MM$138.2MM
Equity CapitalQ1 2024vs Q1 2023$17.7MM$16.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$347K$149K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$77K$108K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Coast Community Credit Union; 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.

First Coast Community Credit Union Savings Account Rates

1.26%*$10k*-IRA Savings
OTHER TIERS: 0.25% $0 - $1k | 0.50% $1k - $10k
OTHER TIERS: 0.15% $250 - $1k | 0.20% $1k - $5k | 0.25% $5k - $25k

First Coast Community Credit Union Money Market Rates

0.40%*$50k*-Money Market Account
OTHER TIERS: 0.15% $0 - $2.5k | 0.25% $2.5k - $10k | 0.30% $10k - $50k

First Coast Community Credit Union Checking Account Rates

0.05%$0-Interest Checking

First Coast Community Credit Union CD Rates

3.75%$1k-6 Month Share Certificate
3.70%$1k-1 Year Share Certificate
3.50%$1k-18 Month Share Certificate
3.05%$1k-2 Year Share Certificate
1.92%$1k-3 Year Share Certificate
1.71%$1k-4 Year Share Certificate
1.51%$1k-5 Year Share Certificate

First Coast Community Credit Union IRA Rates

3.75%$1k-6 Month IRA Certificate
3.70%$1k-1 Year IRA Certificate
3.50%$1k-18 Month IRA Certificate
3.05%$1k-2 Year IRA Certificate
1.92%$1k-3 Year IRA Certificate
1.71%$1k-4 Year IRA Certificate
1.51%$1k-5 Year IRA Certificate

First Coast Community Credit Union Locations
Branch Office112 N Summit StCrescent City, FL 32112
Branch Office306 S Palm AvePalatka, FL 32177
Branch Office1700 US Highway 1 SSt Augustine, FL 32084-6016

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