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 1.85% - Synchrony Bank 60 Month CD |
| 0.35% | 1-year CD | 1 Year Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.20% | Savings | Savings Account 1.00% - Ally Bank Online Savings Account |
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 1,486th largest credit union in the nation. It was established in 1948 and as of June of 2016, it had grown to 34 employees and 13,870 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
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 Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68524 |
| Year Chartered | 1948 |
| Employees | 34 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.32% |
| Return on Equity - YTD | 2.79% |
| Annual Interest Income | $1.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $109.4MM$104.9MM |
| Loans | Q2 2016vs Q2 2015 | $40.7MM$40.1MM |
| Deposits | Q2 2016vs Q2 2015 | $95.7MM$91.9MM |
| Equity Capital | Q2 2016vs Q2 2015 | $12.6MM$12.1MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $133.00K$302.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $657.00K$609.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $7.00K$149.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
| 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 |