First Florida Credit Union

Overview / Commentary
500 W 1st St
Jacksonville, FL 32202

First Florida Credit Union is headquartered in Jacksonville and is the 20th largest credit union in the state of Florida. It is also the 340th largest credit union in the nation. It was established in 1950 and as of September of 2023, it had grown to 203 employees and 62,483 members at 19 locations. First Florida Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in First Florida Credit Union is open to those who live or work in the Florida counties of Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Clay, Columbia, Duval, Flagler, Franklin, Gadsden, Gulf, Hillsborough, Indian River, Jackson, Jefferson, Leon, Liberty, Madison, Marion, Martin, Miami-Dade, Nassau, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Saint Johns, Seminole, Taylor, Union, Volusia, Wakulla, Walton, or Washington. Membership is also open to employees of more than 20 Select Employee Groups, including the State of Florida, CSX Transportation, and Florida State University.
See current membership details

Reviews (1)

First Florida Credit Union Review

Posted by: |

We have been with First Florida Credit Union or an affiliate for 30+ years. Over the past five years we have had to do some significant renovations on our home. As you can imagine that becomes very expensive. First, we did a kitchen remodeled. There was some water damage behind to wall that insurance would not cover so we decided to just do a total remodel. We worked with Dorothy to help us decide how to pay for this and the least amount of interest. Our home was almost paid for so she suggested that we establish a home equity line of credit (HELOC) for the renovations. Fortunately, she suggested that we set it up for more than we needed because the renovations resulted in more than we initially thought. That buffer allowed us to have the kitchen we wanted rather than just settling for average. The interest rates were low which make the monthly payments very easy to manage.


Health Grade Components

NCUA #61170
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.78%
Annual Interest Income$37.6MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.35B$1.37B
LoansQ3 2023vs Q3 2022$886.5MM$831.2MM
DepositsQ3 2023vs Q3 2022$1.07B$1.05B
Equity CapitalQ3 2023vs Q3 2022$119.9MM$114.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$3.8MM$3.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$4.6MM$2MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Florida 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 Florida Credit Union Savings Account Rates

0.20%*$50k*$10mSavings Account
OTHER TIERS: 0.10% Up to $50k
0.20%*$1k*-IRA Savings
OTHER TIERS: 0.10% $100 - $1k
0.20%--Holiday Club
0.20%*$50k*$10mPrime Share Account
OTHER TIERS: 0.10% Up to $50k
0.20%*$50k*$10mSecondary Share Account
OTHER TIERS: 0.10% Up to $50k

First Florida Credit Union Money Market Rates

1.49%$50k-Platinum Money Market
1.39%$25k-High Yield Money Market
1.09%$2.5k-Security Plus More

First Florida Credit Union Checking Account Rates

0.30%*$100k*-Premium Interest Checking
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $100k

First Florida Credit Union CD Rates

4.55%$1k-12 Month CD
4.25%$1k-6 Month CD
4.25%$1k-18 Month CD
4.00%$1k-24 Month CD
4.00%$300-24 Month Sand Dollar CD
3.90%$1k-24 Month Step CD
3.75%$1k-3 Month CD
3.75%$1k-30 Month CD
3.65%$1k-36 Month CD
3.25%$1k-48 Month CD
3.15%$1k-60 Month CD

First Florida Credit Union IRA Rates

4.55%$1k-12 Month IRA
4.25%$1k-6 Month IRA
4.25%$1k-18 Month IRA
4.00%$1k-24 Month IRA
4.00%$300-24 Month Sand Dollar IRA
3.90%$1k-24 Month Step IRA
3.75%$1k-3 Month IRA
3.75%$1k-30 Month IRA
3.65%$1k-36 Month IRA
3.25%$1k-48 Month IRA
3.15%$1k-60 Month IRA


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