First Coast Community Credit Union is headquartered in Palatka and is the 61st largest credit union in the state of Florida. It is also the 1,487th largest credit union in the nation. It was established in 1948 and as of December of 2016, it had grown to 33 employees and 12,578 members at 4 locations. First Coast Community Credit Union has an A health rating.
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
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.
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!
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.
|Return on Assets - YTD||0.22%|
|Return on Equity - YTD||1.93%|
|Annual Interest Income||$3.4MM|
|Assets and Liabilities|
|Assets||Q4 2016vs Q4 2015||$110.3MM$108.7MM|
|Loans||Q4 2016vs Q4 2015||$42.0MM$40.6MM|
|Deposits||Q4 2016vs Q4 2015||$96.3MM$95.5MM|
|Equity Capital||Q4 2016vs Q4 2015||$12.7MM$12.5MM|
|Loan Loss Allowance||Q4 2016vs Q4 2015||$117.00K$153.00K|
|Unbacked Noncurrent Loans||Q4 2016vs Q4 2015||$473.00K$643.00K|
|Real Estate Owned||Q4 2016vs Q4 2015||$18.00K$4.00K|
Sorry, we do not have rate data for First Coast Community Credit Union.
|First Coast Community Credit Union Locations|
|Branch Office||112 N Summit St||Crescent City, FL 32112|
|Branch Office||3506 Saint Johns Ave||Palatka, FL 32177|
|Branch Office||120 Belle Terre Pkwy||Palm Coast, FL 32164|
|Branch Office||306 S Palm Ave||Palatka, FL 32177|