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 338th largest credit union in the nation. It was established in 1950 and as of March of 2024, it had grown to 211 employees and 61,908 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 - YTD-0.09%
Return on Equity - YTD-0.91%
Annual Interest Income$14.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.39B$1.36B
LoansQ1 2024vs Q1 2023$882.9MM$845MM
DepositsQ1 2024vs Q1 2023$1.09B$1.09B
Equity CapitalQ1 2024vs Q1 2023$129.4MM$128MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.5MM$3.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$5.1MM$3.4MM
Real Estate OwnedQ1 2024vs Q1 2023$96K$0
Report an Issue

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% $0 - $50k
0.20%*$1k*-IRA Savings
OTHER TIERS: 0.10% $100 - $1k
0.20%$0-Holiday Club
0.20%*$50k*$10mPrime Share Account
OTHER TIERS: 0.10% $0 - $50k
0.20%*$50k*$10mSecondary Share Account
OTHER TIERS: 0.10% $0 - $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% $0 - $10k | 0.25% $10k - $100k

First Florida Credit Union CD Rates

4.07%$1k-12 Month CD
3.81%$1k-6 Month CD
3.81%$1k-18 Month CD
3.81%$1k-24 Month CD
3.81%$300-24 Month Sand Dollar CD
3.71%$1k-30 Month CD
3.71%$1k-24 Month Step CD
3.56%$1k-3 Month CD
3.56%$1k-36 Month CD
3.25%$1k-48 Month CD
3.15%$1k-60 Month CD

First Florida Credit Union IRA Rates

4.07%$1k-12 Month IRA
3.81%$1k-6 Month IRA
3.81%$1k-18 Month IRA
3.81%$1k-24 Month IRA
3.71%$1k-24 Month Step IRA
3.71%$1k-30 Month IRA
3.56%$1k-3 Month IRA
3.56%$1k-36 Month IRA
3.25%$1k-48 Month IRA
3.15%$1k-60 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.