First Coast Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.20% | 5-year CD | 5 Year Share Certificate 2.35% - Synchrony Bank 60 Month CD |
| 0.35% | 1-year CD | 1 Year Share Certificate 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.20% | Savings | Savings 1.15% - CIT Bank Spring Savings |
First Coast Community Credit Union is headquartered in Palatka and is the 59th 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 March of 2017, it had grown to 35 employees and 12,562 members at 4 locations. First Coast Community Credit Union has an A 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
| Featured Account Options | SPONSORED LISTINGS | ||||
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FCCCU rating
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!
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
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.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68524 |
| Year Chartered | 1948 |
| Employees | 35 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.14% |
| Return on Equity - YTD | 1.19% |
| Annual Interest Income | $845.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $114.8MM$109.5MM |
| Loans | Q1 2017vs Q1 2016 | $41.9MM$39.8MM |
| Deposits | Q1 2017vs Q1 2016 | $100.8MM$95.9MM |
| Equity Capital | Q1 2017vs Q1 2016 | $12.7MM$12.6MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $133.00K$141.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $538.00K$580.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $12.00K$13.00K |
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
First Coast Community Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Interest Checking |
First Coast Community Credit Union CD Rates
First Coast Community Credit Union IRA Rates
| 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 |