1st Street Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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1st Street Credit Union's 24-Month CD share certificate rates are at 4.06%, 36-Month CD share certificate rates are at 3.80%, 48-Month CD share certificate rates are at 3.55%, 18-Month CD share certificate rates are at 3.50%, 60-Month CD share certificate rates are at 3.29%. 1st Street Credit Union's savings rates are at 0.10%. 1st Street Credit Union's money market rates are at 1.26%. 1st Street Credit Union's Personal Loan Rates are at 6.46.

1st Street Credit Union

Compare 1st Street Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of 1st Street Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, 1st Street Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
2.68%
18-Month CD
3.50%
24-Month CD
4.06%
36-Month CD
3.80%
48-Month CD
3.55%
60-Month CD
3.29%
Savings
0.10%
MMA
1.26%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
6.46%
1st Street Credit Union
1st Street Credit Union
1558 1st St
Sarasota, FL 34236 8502
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare 1st Street Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Clinton Bank
Clinton Bank
12-Month CD special
4.98%
$10,000
Synchrony Bank
Synchrony Bank
12-Month CD
4.90%
$0
North Valley Bank Thornton, CO
North Valley Bank Thornton, CO
12-Month CD
4.90%
$1,000
Marcus Bank
Marcus Bank
Online Savings Account
4.40%
$0
UB Union Savings Bank
UB Union Savings Bank
6-Month CD special
4.35%
$1,000
1st Street Credit Union
1st Street Credit Union
24-Month CD share certificate
4.06%
$1,000
The Grant County Bank
The Grant County Bank
Kasasa Cash Checking
4.00%
$0
First National Bank of Bastrop
First National Bank of Bastrop
12-Month CD
3.80%
$500
1st Street Credit Union
1st Street Credit Union
36-Month CD share certificate
3.80%
$1,000
Park State Bank
Park State Bank
30-Month CD Special
3.75%
$5,000
1st Street Credit Union
1st Street Credit Union
48-Month CD share certificate
3.55%
$1,000
Homewood Federal SB
Homewood Federal SB
24-Month CD
3.50%
$500
1st Street Credit Union
1st Street Credit Union
18-Month CD share certificate
3.50%
$1,000
1st Street Credit Union
1st Street Credit Union
60-Month CD share certificate
3.29%
$1,000
TriCentury Bank
TriCentury Bank
Gold Money Market Checking
3.00%
$200,000
Abound Federal Credit Union
Abound Federal Credit Union
12-Month CD (Certificate)
3.00%
$500
Solvay Bank
Solvay Bank
60-Month CD
3.00%
$500
Gogebic Range Bank
Gogebic Range Bank
60-Month CD
2.78%
$500
FSB of Randolph County
FSB of Randolph County
6-Month CD
2.75%
$500
1st Street Credit Union
1st Street Credit Union
12-Month CD share certificate
2.68%
$1,000
Phelps County Bank
Phelps County Bank
48-Month CD
2.52%
$1,000
Chase Bank
Chase Bank
24-Month CD relationship
2.50%
$1,000
WCB West Central Bank
WCB West Central Bank
24-Month CD
2.32%
$1,000
Pioneer Trust Bank
Pioneer Trust Bank
Savings Account
2.27%
$100
BayVanguard Bank
BayVanguard Bank
48-Month CD
2.02%
$1,000
Silver Lake Bank
Silver Lake Bank
12-Month CD
1.90%
$500
Montecito Bank & Trust
Montecito Bank & Trust
12-Month CD
1.50%
$1,000
Piedmont FSB
Piedmont FSB
48-Month CD
1.30%
$500
HomeBank
12-Month CD
1.26%
$2,500
1st Street Credit Union
1st Street Credit Union
Money Market
1.26%
$150,000
FCNB Bank
FCNB Bank
24-Month CD
1.25%
$1,000
Round Top State Bank
Round Top State Bank
48-Month CD
1.25%
$1,000
1st Street Credit Union
1st Street Credit Union
6-Month CD share certificate
1.15%
$1,000
FNB of Ely
FNB of Ely
Money Market
1.00%
$2,500
First FSB of Kentucky
First FSB of Kentucky
24-Month CD
0.85%
$500
German American Bank
German American Bank
24-Month CD
0.75%
$1,000
Hyperion Bank
Hyperion Bank
Business Money Market
0.75%
$1,000
PS Bank
PS Bank
48-Month CD
0.70%
$500
Farmers State Bank Wathena, KS
Farmers State Bank Wathena, KS
48-Month CD
0.70%
$500
Wallkill Valley Federal S&L
Wallkill Valley Federal S&L
30-Month CD
0.61%
$2,500
First Keystone Community Bank
First Keystone Community Bank
48-Month CD
0.55%
$500
Midland Federal S&L
Midland Federal S&L
12-Month CD
0.50%
$1,000
FLC Bank
FLC Bank
12-Month CD
0.35%
$2,000
Harleysville Bank
Harleysville Bank
36-Month CD
0.35%
$500
First Community Bank of Hillsboro
First Community Bank of Hillsboro
24-Month CD
0.25%
$1,000
First FSB Rochester, IN
First FSB Rochester, IN
12-Month CD
0.25%
$500
Mercer Savings Bank
Mercer Savings Bank
24-Month CD
0.20%
$100
Elevate Bank
Elevate Bank
3-Month CD
0.20%
$1,000
Mercer Savings Bank
Mercer Savings Bank
Money Market
0.15%
$50,000
SNB Security National Bank
SNB Security National Bank
Super Saver (Tier 1) Savings
0.15%
$1
PennCrest Bank
PennCrest Bank
Passbook Savings
0.10%
$100
Bank Forward
Bank Forward
Interest Checking
0.10%
$1,000
1st Street Credit Union
1st Street Credit Union
Prime Share Savings
0.10%
$100
Buckeye Community Bank
Buckeye Community Bank
3-Month CD
0.05%
$500
Fidelity State Bank and Trust Company
Fidelity State Bank and Trust Company
Relationship Checking Account
0.05%
$100
Warsaw Federal S&L
Statement Savings
0.05%
$100
Haverhill Bank
Haverhill Bank
NOW Checking
0.05%
$10
F&M Bank and Trust Company
F&M Bank and Trust Company
Money Market Deposit
0.02%
$1,000
First Citizens Bank
First Citizens Bank
12-Month CD
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare 1st Street Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Port Washington State Bank
Port Washington State Bank
3/1 ARM
7.500%
8.011%
0.000
State Employees Credit Union
State Employees Credit Union
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
Penn East Federal Credit Union
Penn East Federal Credit Union
15 Year Fixed
7.000%
7.150%
0.000
NCB
NCB
20-Year Fixed
6.625%
6.638%
0.000
The Bank of Brodhead
The Bank of Brodhead
15-Year Fixed
6.250%
6.323%
0.000
State Employees Credit Union
State Employees Credit Union
20-Year Fixed (LTV 90.1% - 100%)
7.125%
7.255%
0.000
Riverview Federal Credit Union
Riverview Federal Credit Union
10 Year Fixed
6.500%
6.702%
0.000
Boonville Federal Savings Bank
Boonville Federal Savings Bank
10-Year Fixed
7.500%
7.737%
0.500
Lake Shore Savings Bank
Lake Shore Savings Bank
15-Year Fixed
7.250%
7.494%
0.000
RVA Financial Federal Credit Union
RVA Financial Federal Credit Union
30 Year Fixed Jumbo
7.250%
7.376%
0.000
Randolph Brooks FCU
Randolph Brooks FCU
ARM (5/5)
6.125%
6.219%
0.000
San Mateo Credit Union
San Mateo Credit Union
30-Year Fixed
6.750%
7.002%
0.000
Northwest Community Bank
Northwest Community Bank
5/1 ARM
6.000%
7.376%
0.000
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
30-Year Fixed
6.875%
6.949%
0.000
Rivertrust Federal Credit Union
Rivertrust Federal Credit Union
15 Year Fixed
6.500%
6.500%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
20 Year Fixed
6.750%
6.937%
0.000
NCB
NCB
15-Year Fixed
6.500%
6.517%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
20 Year Fixed
7.125%
7.380%
0.000
Kennebec Savings Bank
Kennebec Savings Bank
30-Year Fixed
7.500%
7.500%
0.000
Riverview Federal Credit Union
Riverview Federal Credit Union
7/1 Year ARM 30
6.875%
6.963%
0.000
Magnifi Financial Credit Union
Magnifi Financial Credit Union
15 Year Fixed
6.625%
6.773%
0.000
Chase Bank
Chase Bank
30-Year Fixed
6.875%
6.966%
0.000
Investment Savings Bank
Investment Savings Bank
30-Year Fixed
6.635%
6.692%
0.000
Range Bank
Range Bank
10/1 ARM
8.000%
8.500%
0.000
Highpoint Community Bank
Highpoint Community Bank
7/1 ARM
6.375%
6.554%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare 1st Street Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Share-Secured Mastercard
13.900%
Maximum Loan Amount Up to $5,000.00
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Abnb Federal Credit Union
Abnb Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Achieva Credit Union
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Acadia Federal Credit Union
Acadia Federal Credit Union
Acadia Visa Credit Card
10.900%
No annual fee
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
Aaec Credit Union
Aaec Credit Union
VISA Credit Card
11.900%
No annual fee
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
First Technology Federal Credit Union
First Technology Federal Credit Union
Choice Rewards World Mastercard
13.500%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Randolph Brooks FCU
Randolph Brooks FCU
Business Select Credit Card Mastercard
18.000%
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
VISA Credit Card
8.990% - 17.990%
Maximum limit of $30,000
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare 1st Street Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
1st Street Credit Union
1st Street Credit Union
Note Loan
8.990% - 17.990%
$0
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Access Community Credit Union
Access Community Credit Union
Debt Consolidation
13.990%
$0
1 - 72
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
12.990%
$0 - $2,000
24 - 24
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.240%
$0 - $2,000
36 - 36
1st Midamerica Credit Union
1st Midamerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
Aaec Credit Union
Aaec Credit Union
Personal Signature Loans
14.000%
$0
60
Achieva Credit Union
Achieva Credit Union
Personal Loan
11.000%
$0
1 - 12
Accentra Credit Union
Accentra Credit Union
Personal Loan
11.760%
$0
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
Randolph Brooks FCU
Randolph Brooks FCU
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
1st Northern California Credit Union
1st Northern California Credit Union
Title Loans
5.500%
$0
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.490%
$0 - $5,000
48 - 48
Abco Federal Credit Union
Abco Federal Credit Union
Personal Loans
10.490%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.740%
$0
60
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
Refinanced Signature Loans
18.000%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
First Technology Federal Credit Union
First Technology Federal Credit Union
Personal Fixed-Rate Loan
9.290% - 14.090%
$500 - $35,000
24 - 84
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
14.990%
$0
25 - 36
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

1st Street Credit Union Information

Credit Union Name: 1st Street Credit Union
Full Time Employees: 5
Part Time Employees: 0
President: Clifford Smith
CEO: Dawn Gonzalez
Branch Locations: 1
ATM Locations: 1
Corporate Office Address:
1558 1st St
Sarasota, FL 34236 8502
Phone Number: 941-953-6744
Fax Number: 941-365-4966

1st Street Credit Union Financials

Total Assets:
34,046,697
Total Amount of Shares and Deposits:
29,530,649
Total Shares and Deposits < 1 Year:
28,459,757
Total Shares and Deposits 1 3 Years:
1,019,332
Total Shares and Deposits > 3 Years:
51,560
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
537,491
Total Uninsured Shares and Deposits > $250K (F+J):
537,491
Total Insured Shares and Deposits > $250K (item 17 less item K):
28,993,158
Total Interest Expense (Sum of items 6 8):
96,119
Share Certificates:
71
Number of Accounts for Share Drafts:
1,298
IRA KEOGH Accounts:
64
Number of Accounts for Regular Shares:
2,693
Money Market Shares:
116
Net Income (unless the amount is already included in Undivided Earnings):
278,624
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
349,251
Total Liabilities:
29,867,112
Show More

1st Street Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Credit Builder:
1
Mortgage Processing:
No
Approved Mortgage Seller?:
No
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
No
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
No
Show More
Source: NCUA

Explore Other Rate Deals

Low mortgage rates won't help refinance demand in 2012 according to the Mortgage Bankers Association. Although 30 year mortgage rates are expected to remain under 4.50% throughout 2012 high unemployment and a weak economy will sap demand for refinancing mortgage loans. Current 30 year mortgage rates are averaging 4.21%, an increase from an average 30 year mortgage rate of 4.16%. 15 year mortgage rates today are also higher averaging 3.49%, up from an average 15 year mortgage rate of 3.43% yesterday.
Mortgage rates today on 30 year home mortgage loans increased to 3.97%, up from yesterday's average 30 year mortgage rate of 3.89%. 30 year mortgage rates bounced off of yesterday's all-time low but rates probably won't go much higher this week since 10 year bond yields are trading in a tight range. Mortgage rates today on 15 year home loans are also higher averaging 3.31%, an increase from yesterday's average 30 year mortgage rate of 3.25%.
As the end of the month rolls around, the deadline for home buyer tax credits is quickly approaching.  These credits include the first time home buyer credit of up to $8,000 and the repeat home buyer credit of up to $6,500.  When combined with a tax credit, a home purchase financed with a low rate mortgage can yield maximum benefits of home ownership.  Informa Research Services, a subsidiary of Informa plc (LSE: INF), suggests home buyers use online rate tables to find a low rate mortgage.

Bank or Credit Union Offers and Deals

CD Rates: Current CD Rates July 30, 2009
Online Savings Rates Now at 1.40% APY - Savings Rates to Move Even Higher
Bank of America 7 Month CD Rate
How to Profit from 0% Balance Transfer Offers
Bank of Internet High Yield Savings Account
Recovering Housing Market and Economy Lead to an Increase in Mortgage Rates for Now
Citibank Savings Account Promo
Mortgage Rates: 30 Year Mortgage Rates Under 5.00%
E-Loan 18 Month CD Rates now at 1.34%
Mortgage Rates at 4-Month Low- Freddie Mac

Alternative Bank and Credit Union Offers to Explore

Share Savings Rates of 1.25% from State Farm Federal Credit Union
Higher CD Rates This Month Will Depend on The Fed
Low Mortgage Rates Continue to Lift the Housing Market
Credit Union CD Rates
First National Bank of Omaha Savings Jumbo Rates now at 0.95%
Low Mortgage Rates Today Probably Drove Existing Home Sales Higher
Average Savings Account Rates Today July 8, 2012
Mortgage Rates Plummet as Result of Turkish Currency Crisis
Marcus by Goldman Sachs CD Rates Review
Lower Mortgage Rates Today: 30 Year Conventional Rates Averaging 4.27 Percent

1st Street Credit Union Reviews

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