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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 Florida 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: April 12, 2026
First Florida Credit Union's Personal Loan Rates are at 10.24%. 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 3.26%. Rates were last updated on 04/12/2026. 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 Savings Rates
First Florida Credit Union Checking Rates
First Florida Credit Union Credit Card Rates
First Florida Credit Union Personal Loan Rates
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
204
Part-Time Employees
4
Branch Locations
19
ATM Locations
18
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
3.26%
Return on Assets (ROA)
0.3406%
Return on Equity (ROE)
2.6630%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
1,432,994,780
Total Amount of Shares and Deposits
1,093,144,460
Total Shares and Deposits < 1 Year
993,036,253
Total Shares and Deposits 1 3 Years
96,950,905
Total Shares and Deposits > 3 Years
3,157,302
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,353,425
Total Uninsured Shares and Deposits > $250K (F+J)
51,353,425
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,041,791,035
Total Interest Expense (Sum of items 6 8)
17,468,942
Share Certificates
9,386
Number of Accounts for Share Drafts
36,927
IRA KEOGH Accounts
3,070
Number of Accounts for Regular Shares
73,346
All other shares
22
Money Market Shares
2,159
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
70,458,064
Total Liabilities
1,274,236,693
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Florida Credit UnionIs First Florida Credit Union a safe place to deposit money?Yes, First Florida Credit Union is considered a safe financial institution. With a Texas Ratio of 3.2564324960953%, 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 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. Compare to Other Credit Unions
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