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First Florida Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstflorida.org
904-359-6800
500 W 1st St
Jacksonville, FL 32202

First Florida Credit Union is headquartered in Jacksonville and is the 21st largest credit union in the state of Florida. It is also the 351st largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 206 employees and 62,713 members at 18 locations. First Florida Credit Union's CD rates are 5X the national average, and it has an A 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

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #61170
Year Chartered1950
Employees206
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD2.95%
Annual Interest Income$15.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.39B$1.39B
LoansQ1 2025vs Q1 2024$966MM$882.9MM
DepositsQ1 2025vs Q1 2024$1.08B$1.09B
Equity CapitalQ1 2025vs Q1 2024$147.1MM$129.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.8MM$8.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.5MM$5.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$96K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*$10mSavings Account
OTHER TIERS: 0.10% → $0 - $50k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.48%$50k-Platinum Money Market
1.38%$25k-High Yield Money Market
1.08%$2.5k-Security Plus More

First Florida Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Premium Interest Checking
OTHER TIERS: 0.20% → $0 - $10k | 0.25% → $10k - $100k

First Florida Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.18%$1k-24 Month CD
4.18%$300-24 Month Sand Dollar CD
4.08%$1k-24 Month Step CD
4.07%$1k-12 Month CD
4.07%$1k-18 Month CD
3.75%$1k-30 Month CD
3.55%$1k-6 Month CD
3.55%$1k-36 Month CD
3.29%$1k-3 Month CD
3.29%$1k-48 Month CD
3.29%$1k-60 Month CD

First Florida Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.18%$1k-24 Month IRA
4.08%$1k-24 Month Step IRA
4.07%$1k-12 Month IRA
4.07%$1k-18 Month IRA
3.75%$1k-30 Month IRA
3.55%$1k-6 Month IRA
3.55%$1k-36 Month IRA
3.29%$1k-3 Month IRA
3.29%$1k-48 Month IRA
3.29%$1k-60 Month IRA
0.20%*$1k*-IRA Savings
OTHER TIERS: 0.10% → $100 - $1k
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