First Florida Credit Union


P.o. Box 43310
Jacksonville, FL 32203
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 4.01% →
1-Year CD 0.69% 4.50% →
2-Year CD 0.89% 4.73% →
5-Year CD 1.29% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

First Florida is an NCUA insured institution located in Jacksonville, FL. It was founded in 1950 and has approximately $1358.8 millions in assets.

Who can join?

Membership is open to anyone who lives or works in any of the following Florida counties: Baker, Broward, Clay, Duval, Flagler, Gadsden, Hillsborough, Jefferson, Leon, Madison, Miami-Dade, Nassau, Orange, Seminole, St. Johns, and Wakulla.

Additionally, state of Florida employees, the employees of CSX Transportation, and other specified companies (Select Employee Groups) are also eligible to join.

NCUA Insured Yes / State-Chartered
Charter Number # # 61170
Date Established 1950
Assets $1,358.80 million
Loans $786.21 million
Deposits $1,060.27 million
Capital $158.01 million

Field of Membership Restrictions

Membership in First Florida Credit Union is open to those who live or work in Baker, Bradford, Broward, Clay, Columbia, Duval, Flagler, Franklin, Gadsden, Hillsborough, Jackson, Jefferson, Leon, Liberty, Madison, Miami-Dade, Nassau, Orange, Palm Beach, Pinellas, Saint Johns, Seminole, Taylor, Union, Volusia, and Wakulla Counties in Florida. Membership is also open to employees of the state of Florida, CSX Corporation and other area Select Employer Groups.

Deposit Rates - November 28, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.39% $10,000 $14,999 Learn More
6 Mo CD
0.39% $100,000 $199,999 Learn More
12 Mo CD
0.69% $10,000 $14,999 Learn More
12 Mo CD
0.69% $100,000 $199,999 Learn More
18 Mo CD
0.79% $10,000 $14,999 Learn More
18 Mo CD
0.79% $100,000 $199,999 Learn More
24 Mo CD
0.89% $10,000 $14,999 Learn More
24 Mo CD
0.89% $100,000 $199,999 Learn More
30 Mo CD
0.89% $10,000 $14,999 Learn More
30 Mo CD
0.89% $100,000 $199,999 Learn More
36 Mo CD
1.19% $10,000 $14,999 Learn More
36 Mo CD
1.19% $100,000 $199,999 Learn More
48 Mo CD
1.29% $10,000 $14,999 Learn More
48 Mo CD
1.29% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $1 $99 Learn MoreShow Less
Int Ckg
0.35% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 28, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for FIRST FLORIDA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
6.226% 6.125% 0.63 $2,685 $1,520 Learn More
Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625% 1.00 $2,500 $1,601 Learn More
NMLS ID: 1907
Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.490 %
$0 Learn More
More Info

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Below are First Florida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

First Florida Locations

Climate Initiatives

FIRST FLORIDA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Florida. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Florida U.S. Average
2.40% 4.24

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2022, First Florida had $3,822,134 in non-current loans and $28,447 in owned assets. To cover these potential losses it had $158,012,153 in net worth and $2,660,865 in loans loss reserves. That gives it a Texas Ratio of 2.40%.

Net Worth
First Florida U.S. Average
11.63% 12.40%

First Florida FCU has a net worth of 11.63% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for FIRST FLORIDA

  • July 7, 2019

    CDs 13 Month Rates

    wrong rate!

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