Insight Credit Union

Overview / Commentary
5202 Red Bug Lake Rd
Winter Springs, FL 32708

Insight Credit Union is headquartered in Winter Springs and is the 34th largest credit union in the state of Florida. It is also the 593rd largest credit union in the nation. It was established in 1991 and as of June of 2023, it had grown to 146 employees and 48,971 members at 16 locations. Insight Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Insight Credit Union is open to those who live or work in the Florida counties of Brevard, Citrus, Columbia, DeSoto, Dixie, Gilchrist, Hardee, Hernando, Highlands, Lake, Levy, Marion, Orange, Osceola, Pasco, Putnam, Seminole, Sumter, Suwannee, Taylor, or Volusia.
See current membership details

Reviews (7)


I have been a member for seven years now. I have had 3 auto loans, a credit card and 2 lines of credit, all were handled fantastic with great rates! Their online site is outstanding, full featured and easy to use with FREE billpay. It is easy to use the app in fact that I seldom have the need to visit a physical branch location (especially since they've implemented remote deposit/mobile check deposit easy!). My interactions with representatives have all been positive experiences. I Haven't encounted any who've not been courteous and knowledgeable

Wonderful Credit Union

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A wide range of products to choose from. When I have had to call or go into any one of their branches they have always been helpful and knowledgeable. I would recommend them to my friends and family and anyone that is looking for a new bank. I was so tired of paying all of the fees that my bank was charging me. Now when I make a deposit the credit goes in immediately and I don't get all those fees!!

Not A Fan Of Insight Financial

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I have used this credit union for over 30 years. Fortunately it is not my go to banking institution. 25 years ago it was great, not anymore. I went to close my safe deposit box in April with an appointment at the branch is Lake Mary, Florida was locked up. There appeared to be two employees, and there was no access to inside the bank. Other locations recently, you needed an appointment to see someone inside. Customer service is lacking as well as online support. Do yourself a favor and bank somewhere else.

Horrible Service

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Now I know wow this credit union has such terrible reviews. I have had an account for four months and every month they mess up my direct deposit from work. I went in to close my account today and they did not have the cash on hand to give me to close the account and had to write me a check horrible customer service.

Taking Money

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Do not get an account with this bank if you plan on sharing an account with anyone. My Aunt has shared an account with my Grandmother for years and when Grandma died last month suddenly Insight was claiming every last cent in the bank account because of a debt that both of them had thought paid off. They have held my Aunt's money hostage from her, taken all but $90 that she was expected to survive on until her DISABILITY check came in, and then they proceeded to take a refund that was added to the account while claiming they had the right to ANY money added to the account. My Aunt has been in the process of switching banks of course and has been since they told her everything was frozen, but the account had to stay open because her disability check could not be switched in time for this month. Do not trust this bank to take care of you, they just want your money.

Do Not Cae About Their Customers

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They do not care about customers they are the Comcast of credit unions. When there is a problem if you call them they are snippy and rude. has to come from the top in this group.

Worst Credit Union

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This is the worst credit union I have ever dealt with. Beware of "hidden fees". I was charged $58 on my savings account because of a "low balance" in the account. Never received any information when I opened my account about this fee. Stay away and find another credit union that does not nickel and dime you to death!


Health Grade Components

NCUA #67344
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD19.68%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$679.1MM$688.9MM
LoansQ2 2023vs Q2 2022$337.2MM$317.9MM
DepositsQ2 2023vs Q2 2022$622.3MM$649.2MM
Equity CapitalQ2 2023vs Q2 2022$25.8MM$26.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$1.3MM$1.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$997.00K$835.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Insight 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.

Insight Credit Union Savings Account Rates

0.15%--Grow Green Savings
0.10%$100-IRA Savings
0.05%$100-Regular Share

Insight Credit Union Money Market Rates

0.15%*$50k*-Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k

Insight Credit Union Checking Account Rates

4.75%*-$20kIncentive Checking
OTHER TIERS: 0.05% $20k+
0.15%$1k-Seniority Status Checking

Insight Credit Union CD Rates

5.20%$5k-6 Month Certificate Special
4.75%$5k-11 Month Certificate Special
4.50%$5k-9 Month Certificate Special
3.25%$1m-60 Month Millionaire Certificate
3.16%$1k-60 Month Regular Certificate
3.16%$100k-60 Month Jumbo Certificate
3.11%$1m-36 Month Millionaire Certificate
3.06%$1m-24 Month Millionaire Certificate
3.00%$1k-36 Month Regular Certificate
3.00%$100k-36 Month Jumbo Certificate
2.95%$1k-24 Month Regular Certificate
2.95%$100k-24 Month Jumbo Certificate
2.76%$1m-12 Month Millionaire Certificate
2.66%$1k-12 Month Regular Certificate
2.65%$100k-12 Month Jumbo Certificate
0.90%$1m-48 Month Millionaire Certificate
0.80%$1k-48 Month Regular Certificate
0.80%$100k-48 Month Jumbo Certificate
0.40%$1m-6 Month Millionaire Certificate
0.30%$1k-6 Month Regular Certificate
0.30%$100k-6 Month Jumbo Certificate
0.20%$1m-3 Month Millionaire Certificate
0.10%$1k-3 Month Regular Certificate
0.10%$100k-3 Month Jumbo Certificate

Insight Credit Union IRA Rates

3.25%$1m-60 Month Millionaire IRA Certificate
3.16%$100k-60 Month Jumbo IRA Certificate
3.16%$1k-60 Month Regular IRA Certificate
3.11%$1m-36 Month Millionaire IRA Certificate
3.06%$1m-24 Month Millionaire IRA Certificate
3.00%$100k-36 Month Jumbo IRA Certificate
3.00%$1k-36 Month Regular IRA Certificate
2.95%$100k-24 Month Jumbo IRA Certificate
2.95%$1k-24 Month Regular IRA Certificate
2.76%$1m-12 Month Millionaire IRA Certificate
2.66%$1k-12 Month Regular IRA Certificate
2.65%$100k-12 Month Jumbo IRA Certificate
0.90%$1m-48 Month Millionaire IRA Certificate
0.80%$1k-48 Month Regular IRA Certificate
0.40%$1m-6 Month Millionaire IRA Certificate
0.30%$100k-6 Month Jumbo IRA Certificate
0.30%$1k-6 Month Regular IRA Certificate
0.20%$1m-3 Month Millionaire IRA Certificate
0.10%$100k-3 Month Jumbo IRA Certificate
0.10%$1k-3 Month Regular IRA Certificate


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