Featured Savings Rates
Featured Accounts

First Coast Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.20%5-year CD5 Year Share Certificate
0.35%1-year CD1 Year Share Certificate
0.20%SavingsSavings Account

Overview / Commentary
386-328-5555
306 S Palm Ave
Palatka, FL 32177

First Coast Community Credit Union is headquartered in Palatka and is the 62nd largest credit union in the state of Florida. It is also the 1,471st largest credit union in the nation. It was established in 1948 and as of December of 2015, it had grown to 32 employees and 13,748 members at 4 locations. First Coast Community Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership eligibility to join the 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 Details

Reviews (2)

Worst Banking Experience Ever!

Posted by: pkvbmg152 | Mar 27, 2016

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: leprasmurf | Jun 1, 2012

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
A+

Health Grade Components

Overall
NCUA #68524
Year Chartered1948
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD3.76%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$108.7MM$103.0MM
LoansQ4 2015vs Q4 2014$40.6MM$39.2MM
DepositsQ4 2015vs Q4 2014$95.5MM$90.1MM
Equity CapitalQ4 2015vs Q4 2014$12.5MM$12.0MM
Loan Loss AllowanceQ4 2015vs Q4 2014$153.00K$312.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$643.00K$1.3MM
Real Estate OwnedQ4 2015vs Q4 2014$4.00K$251.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Coast Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$10k*-Variable IRA
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $10k
0.50%*$10k*-Variable Educational IRA
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $10k
0.50%*$10k*-Variable Roth IRA
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $10k
0.20%*$25k*-Savings Account
OTHER TIERS: 0.05% $250 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k
0.20%*$25k*-Clubs Account
OTHER TIERS: 0.05% $250 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k

First Coast Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market Account
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $50k

First Coast Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Interest Checking

First Coast Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$1k-5 Year Share Certificate
0.80%$1k-4 Year Share Certificate
0.65%$1k-3 Year Share Certificate
0.55%$1k-2 Year Share Certificate
0.45%$1k-18 Month Share Certificate
0.35%$1k-1 Year Share Certificate
0.25%$1k-6 Month Share Certificate

First Coast Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$1k-5 Year IRA Certificate
0.80%$1k-4 Year IRA Certificate
0.65%$1k-3 Year IRA Certificate
0.55%$1k-2 Year IRA Certificate
0.45%$1k-18 Month IRA Certificate
0.35%$1k-1 Year IRA Certificate
0.25%$1k-6 Month IRA Certificate
Locations


First Coast Community Credit Union Locations
Branch Office112 N Summit StCrescent City, FL 32112
Branch Office3506 Saint Johns AvePalatka, FL 32177
Branch Office120 Belle Terre PkwyPalm Coast, FL 32164
Branch Office306 S Palm AvePalatka, FL 32177