Florida

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Jacksonville, Florida Credit Union Savings Rates

You are viewing savings rates from credit unions in Jacksonville, Florida

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Jacksonville, FL - July 31, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

| Mar 22, 2024

Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More

Rate History: 2.27% → 0.04% → 2.27% → 0.04% → 2.27%

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

Rate History: 1.59% → 1.59% → 1.49% → 1.48%

| Jul 7, 2019

wrong rate! Read More

| Aug 8, 2023

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

0.75%

$10,000

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0.40%

$25,000

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0.40%

$2,500

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0.36%

$25,000

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0.35%

$25,000

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0.31%

$2,500

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0.30%

$10,000

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0.30%

$2,500

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0.30%

$25,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.25%

$2,500

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0.25%

$2,500

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| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

EDU


Restrictions

0.20%

$0

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0.20%

$2,500

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0.20%

$2,500

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| Jul 7, 2019

wrong rate! Read More

| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$2,500

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| Aug 31, 2020

Great rates and fast loans Read More

| Aug 8, 2023

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More

0.10%

$2,500

Learn More

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

EDU


Restrictions

0.01%

$1

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info around Jacksonville, Florida


Branch Street City State
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
121 FINANCIAL
Westside Westside Branch
8101 Normandy Blvd Jacksonville FL
FIRST FLORIDA
Roosevelt Branch Roosevelt Branch
4530 Saint Johns Ave Jacksonville FL
VYSTAR
Macclenny Macclenny Branch
1168 S 6th St Macclenny FL
FIRST FLORIDA
Roosevelt Branch Roosevelt Branch
4530 Saint Johns Ave Jacksonville FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
450036 SR 200, Suite K Callahan FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
450036 SR 200, Suite K Callahan FL
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL
121 FINANCIAL
Westside Westside Branch
8101 Normandy Blvd Jacksonville FL
VYSTAR
Macclenny Macclenny Branch
1168 S 6th St Macclenny FL
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL
121 FINANCIAL
Westside Westside Branch
8101 Normandy Blvd Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
FIRST FLORIDA
Roosevelt Branch Roosevelt Branch
4530 Saint Johns Ave Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
VYSTAR
Macclenny Macclenny Branch
1168 S 6th St Macclenny FL
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL
VYSTAR
Macclenny Macclenny Branch
1168 S 6th St Macclenny FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
PUBLIX EMPLOYEES
Publix Employees Publix Employees Branch
101 Bell Tel Way Jacksonville FL
JAX FIRE
Jacksonville Firemen Jacksonville Firemen Branch
7908 Blanding Blvd. Jacksonville FL
CITY & POLICE
Westside Branch Westside Branch
4830 Waller St Jacksonville FL
JM ASSOCIATES
Westlake Westlake Branch
9987 Pritchard Rd Jacksonville FL
ALIVE
Healthcare's Coopera Healthcare's Coopera Branch
2001 Kingsley Ave Orange Park FL
COASTLINE
Coastline Coastline Branch
3033 Lenox Avenue Jacksonville FL
ALIVE
Healthcare's Coopera Healthcare's Coopera Branch
2001 Kingsley Ave Orange Park FL
COASTLINE
Coastline Coastline Branch
3033 Lenox Avenue Jacksonville FL
CITY & POLICE
Westside Branch Westside Branch
4830 Waller St Jacksonville FL
TOGETHER
Jacksonville Jacksonville Branch
155 Busch Dr Jacksonville FL
JAX FIRE
Jacksonville Firemen Jacksonville Firemen Branch
7908 Blanding Blvd. Jacksonville FL
TOGETHER
Jacksonville Jacksonville Branch
155 Busch Dr Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Cross Roads Shopping Center, 8102 Blanding Blvd. S Jacksonville FL
JACKSONVILLE POSTAL & PROFESSIONAL
Jacksonville Postal & Prof Jacksonville Postal & Prof Branch
7415 Commonwealth Ave jacksonville FL
COASTLINE
Coastline Coastline Branch
3033 Lenox Avenue Jacksonville FL
FIRST FLORIDA
Roosevelt Branch Roosevelt Branch
4530 Saint Johns Ave Jacksonville FL
CITY & POLICE
Westside Branch Westside Branch
4830 Waller St Jacksonville FL
VYSTAR
Macclenny Macclenny Branch
1168 S 6th St Macclenny FL
COASTLINE
Coastline Coastline Branch
3033 Lenox Avenue Jacksonville FL
121 FINANCIAL
Westside Westside Branch
8101 Normandy Blvd Jacksonville FL
ALIVE
Healthcare's Coopera Healthcare's Coopera Branch
2001 Kingsley Ave Orange Park FL
TOGETHER
Jacksonville Jacksonville Branch
155 Busch Dr Jacksonville FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
450036 SR 200, Suite K Callahan FL
FIRST FLORIDA
Roosevelt Branch Roosevelt Branch
4530 Saint Johns Ave Jacksonville FL
PUBLIX EMPLOYEES
Publix Employees Publix Employees Branch
101 Bell Tel Way Jacksonville FL
SPACE COAST
Space Coast Space Coast Branch
6131 Atlantic Boulevard Jacksonville FL


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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