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Members First Credit Union of Florida


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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 7/10/2025
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 7/10/2025
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 7/10/2025
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
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.membersfirstfl.org
850-434-2211
251 W Garden St
Pensacola, FL 32502

Members First Credit Union of Florida is headquartered in Pensacola and is the 45th largest credit union in the state of Florida. It is also the 1,034th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 73 employees and 19,528 members at 7 locations. Members First Credit Union of Florida's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Members First Credit Union of Florida is open to those who live or work in Santa Rosa, Escambia, or Okaloosa Counties. Membership is also open to employees of any educational institution in Santa Rosa, Escambia and Oskaloosa Counties, members of the Escambia Retired Teachers Association, Current, former and retired employees of Sterling Fibers, American Cyanamid, Cytec Industries, or Cyanamid Employees Credit Union.
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 #61160
Year Chartered1954
Employees73
Primary Regulator
Profit Margin
Return on Assets - YTD1.7%
Return on Equity - YTD12.57%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$300.9MM$293.8MM
LoansQ1 2025vs Q1 2024$139MM$142.2MM
DepositsQ1 2025vs Q1 2024$257.4MM$255.8MM
Equity CapitalQ1 2025vs Q1 2024$40.1MM$34.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.8MM$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$236K$697K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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 7/10/2025
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 7/10/2025
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 7/10/2025
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
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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Members First Credit Union of Florida Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-Shares (Savings)
0.30%$100-Christmas Club
0.30%$100-Summer Savings

Members First Credit Union of Florida Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-Select Checking

Members First Credit Union of Florida CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-12 Month Add-On CD
3.00%$500-12 Month CD
2.90%$500-24 Month Bump-up CD
2.85%$500-36 Month Bump-up CD
2.80%$500-48 Month Bump-up CD
2.75%$500-60 to 120 Month Bump-up CD
2.00%$500-6 Month CD
0.90%$500-3 Month CD
0.90%$0-Youth 3 Month Add-On CD
0.25%$500-1 Month CD

Members First Credit Union of Florida IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-12 Month IRA Fixed
2.90%$0-24 Month IRA Fixed
Locations


Members First Credit Union of Florida Locations
Branch Office251 W Garden StPensacola, FL 32502-5728
Branch Office4240 W Fairfield DrPensacola, FL 32505-4735
Branch Office7176 N 9th AvePensacola, FL 32504-6616
Branch Office5005 Highway 90Pace, FL 32571
Branch Office250 W Airport BlvdPensacola, FL 32505-2238
Branch Office6000 College PkwyPensacola, FL 32504
Branch Office1645 E Nine Mile RdPensacola, FL 32514-5727

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