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 1st Street Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 10, 2026
1st Street Credit Union's 24 MONTH CD rates are at 4.16%, 24 MONTH IRA CERT rates are at 4.16%, 24 MONTH CD rates are at 4.11%, 24 MONTH IRA CERT rates are at 4.11%, 24 MONTH CD rates are at 4.06%. 1st Street Credit Union's money market rates are at 0.65%. MonitorBankRates evaluates the financial stability of 1st Street Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.51%. Rates were last updated on 05/10/2026. 1st Street Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Street Credit Union? Share your experience about 1st Street Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Street Credit Union. 1st Street Credit Union
1st Street Credit Union 1558 1st St
https://www.1streetcu.com Sarasota, FL 34236 8502 
1st Street Credit Union CD Rates
1st Street Credit Union Savings Rates
1st Street Credit Union Money Market Rates
1st Street Credit Union Mortgage Rates
1st Street Credit Union Home Equity & HELOC
1st Street Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 1st Street Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st Street Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st Street Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
1st Street Credit Union
Website
https://www.1streetcu.com
Address
1558 1st St,
Sarasota, FL 34236 8502
Phone
941-953-6744
Fax
941-365-4966
President
Randy Boyd
CEO
Dawn Gonzalez
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.51%
Return on Assets (ROA)
0.9535%
Return on Equity (ROE)
6.1345%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
31,215,843
Total Amount of Shares and Deposits
26,054,391
Total Shares and Deposits < 1 Year
24,611,992
Total Shares and Deposits 1 3 Years
1,411,144
Total Shares and Deposits > 3 Years
31,255
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
807,977
Total Uninsured Shares and Deposits > $250K (F+J)
807,977
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,246,414
Total Interest Expense (Sum of items 6 8)
125,079
Share Certificates
60
Number of Accounts for Share Drafts
1,248
IRA KEOGH Accounts
55
Number of Accounts for Regular Shares
2,651
Money Market Shares
105
Net Income (unless the amount is already included in Undivided Earnings)
297,632
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,139,500
Total Liabilities
26,364,094
Source: NCUA — Last Updated 09/30/2025
Customer ReviewscbaO
December 17, 2025
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Frequently Asked Questions About 1st Street Credit UnionHow many branches does 1st Street Credit Union operate?1st Street Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 1st Street Credit Union?Yes, to access services at 1st Street Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 1st Street Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 1st Street Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 1st Street Credit Union offer online and mobile banking?Most modern institutions like 1st Street Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1streetcu.com. Current 1st Street Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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