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 First Florida Credit Union Rates & Review September 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 and Verified: September 22, 2026
First Florida Credit Union's 36 Month CD rates are at 3.90%, 36 Month IRA CD rates are at 3.90%, 24 Month CD rates are at 3.80%, 24 Month IRA CD rates are at 3.80%, 24 Month Sand Dollar rates are at 3.80%. First Florida Credit Union's Short-Term Fixed Rate First Mortgage - 10-Year Term rates are at 6.30%, Short-Term Fixed Rate First Mortgage - 12-Year Term rates are at 6.55%. First Florida Credit Union's Personal Loan Rates are as low as 10.24%. First Florida Credit Union's Credit Card Rates are at 12.75%. MonitorBankRates evaluates the financial stability of First Florida Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.34%. Rates last updated and verified on 09/22/2026. First Florida 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 Florida Credit Union? Share your experience about First Florida Credit Union by leaving a review below, or read customer reviews before you decide to use First Florida Credit Union. First Florida Credit Union
Jacksonville Downtown Branch 500 W 1st St
https://www.firstflorida.org Jacksonville, FL 32202-3939 
First Florida Credit Union CD Rates
First Florida Credit Union Savings Rates
First Florida Credit Union Checking Rates
First Florida Credit Union Mortgage Rates
First Florida Credit Union Credit Card Rates
First Florida Credit Union Personal Loan Rates
First Florida Credit Union Other Rates
Financial Health HistoryFirst Florida Credit Union’s Texas Ratio rose from 2.35% in Q2 2023 to 3.34% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Florida 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 Florida 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 Florida Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Florida Credit Union
Website
https://www.firstflorida.org
Address
500 W 1st St,
Jacksonville, FL 32202-3939
Phone
904-359-6800
Fax
904-359-6211
President
Dean Willis
CEO
Brent Lister
Full-Time Employees
202
Part-Time Employees
3
Branch Locations
19
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.34%
Return on Assets (ROA)
0.1601%
Return on Equity (ROE)
1.2437%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
1,456,663,989
Total Amount of Shares and Deposits
1,127,825,772
Total Shares and Deposits < 1 Year
998,264,861
Total Shares and Deposits 1 3 Years
126,223,790
Total Shares and Deposits > 3 Years
3,337,120
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,195,989
Total Uninsured Shares and Deposits > $250K (F+J)
52,195,989
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,075,629,783
Total Interest Expense (Sum of items 6 8)
5,899,124
Share Certificates
9,544
Number of Accounts for Share Drafts
37,356
IRA KEOGH Accounts
3,060
Number of Accounts for Regular Shares
73,517
All other shares
19
Money Market Shares
2,337
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
86,560,063
Total Liabilities
1,291,488,413
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About First Florida Credit UnionHow many branches does First Florida Credit Union operate?First Florida 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 Florida Credit Union?Yes, to access services at First Florida 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 Florida 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 Florida Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Florida Credit Union offer online and mobile banking?Most modern institutions like First Florida 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.firstflorida.org. Current First Florida Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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