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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Coast Community Credit Union Rates & Review April 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.
Read Full Bio →
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: March 26, 2026
First Coast Community Credit Union's 18 Month CD and IRA CDs rates are at 3.25%, 1 Year CD and IRA CDs rates are at 3.10%, 6 Month CD and IRA CDs rates are at 3.00%, 2 Year CD and IRA CDs rates are at 2.75%, 5 Year CD and IRA CDs rates are at 2.53%. First Coast Community Credit Union's savings rates are at 0.15%. First Coast Community Credit Union's money market rates are at 0.15%. First Coast Community Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of First Coast Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates were last updated on 03/26/2026. First Coast Community 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 First Coast Community Credit Union? Share your experience about First Coast Community Credit Union by leaving a review below, or read customer reviews before you decide to use First Coast Community Credit Union. First Coast Community Credit Union
Main Office 306 S Palm Ave
https://www.firstcoastccu.com Palatka, FL 32177 
First Coast Community Credit Union CD Rates
First Coast Community Credit Union Savings Rates
First Coast Community Credit Union Money Market Rates
First Coast Community Credit Union Checking Rates
First Coast Community Credit Union Home Equity & HELOC
First Coast Community Credit Union Auto Loan Rates
First Coast Community Credit Union Credit Card Rates
First Coast Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Coast Community 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 First Coast Community 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 First Coast Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Coast Community Credit Union
Website
https://www.firstcoastccu.com
Address
306 S Palm Ave,
Palatka, FL 32177
Phone
386-328-5555
Fax
386-325-1275
President
Rudy Howard
CEO
Gretchen Lunsford
Full-Time Employees
32
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.85%
Return on Assets (ROA)
0.6199%
Return on Equity (ROE)
4.6841%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
149,676,226
Total Amount of Shares and Deposits
129,202,633
Total Shares and Deposits < 1 Year
123,869,805
Total Shares and Deposits 1 3 Years
4,446,887
Total Shares and Deposits > 3 Years
885,943
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,015,673
Total Uninsured Shares and Deposits > $250K (F+J)
5,015,673
Total Insured Shares and Deposits > $250K (item 17 less item K)
124,186,960
Total Interest Expense (Sum of items 6 8)
558,924
Share Certificates
471
Number of Accounts for Share Drafts
6,853
IRA KEOGH Accounts
270
Number of Accounts for Regular Shares
12,998
Money Market Shares
50
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,870,876
Total Liabilities
130,091,132
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Coast Community Credit UnionIs First Coast Community Credit Union a safe place to deposit money?Yes, First Coast Community Credit Union is considered a safe financial institution. With a Texas Ratio of 0.84657444864013%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Coast Community Credit Union operate?First Coast Community 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 First Coast Community Credit Union?Yes, to access services at First Coast Community 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, First Coast Community 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, First Coast Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Coast Community Credit Union offer online and mobile banking?Most modern institutions like First Coast Community 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.firstcoastccu.com. Current First Coast Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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