1st Street Credit Union

Business Details

Your Community Credit Union in Sarasota

1st Street Credit Union has been dedicated to serving its members and communities since its establishment. As a financial cooperative, we prioritize member satisfaction by offering a wide range of free services, including no monthly fees on debit cards, free mobile and online banking, and complimentary bill payment with minimal usage requirements. Our team specializes in providing competitive loan products such as home equity loans, auto loans, and mortgages, alongside savings solutions like share accounts, money market accounts, and certificates with tiered interest rates. We maintain federal insurance up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), ensuring member funds are secure.

Our services extend to identity theft protection through IDSafeChoice, shared branching networks for nationwide access, and 24/7 ATM availability. With a focus on community engagement, we offer educational grants and personalized financial solutions tailored to individual needs. Our experienced staff provides guidance on retirement planning through IRAs, overdraft protection programs, and specialized checking accounts designed to meet diverse financial goals.

Services

Savings Accounts Auto Loans Credit Cards Mortgages Online Banking ATM Access Identity Theft Protection Shared Branching Certificate Accounts Overdraft Protection

Highlights and features

We offer free Mastercard Debit Cards with no monthly fees.
Our 24/7 ATM network provides nationwide cash access.
We provide federally insured accounts up to $250,000.
Our team offers personalized loan solutions with competitive APRs.
We support local communities through educational grants and programs.

Associations and certifications

NCUSIF

What people say

Always so nice Amazing service Fabulous support Community-focused Personalized assistance

Website

Update Listing

Services

Savings Accounts

Our Share Accounts serve as foundational savings vehicles with competitive dividends. Members earn higher returns compared to traditional banks while establishing membership eligibility. Quarterly statements ensure transparency and financial tracking.

Auto Loans

New auto loans for 2023-2025 models start at 4.50% APR. We offer flexible terms and quick approvals for purchasing reliable transportation. Our rates remain competitive for both first-time buyers and experienced drivers.

Credit Cards

Low-rate Mastercards start at 9.74% APR with no annual fees. Benefits include fraud protection, global acceptance, and seamless integration with mobile banking tools for secure, convenient spending.

Mortgages

First mortgages feature fixed rates starting at 4.25% APR. We provide guidance through the homebuying process, including pre-approvals and refinancing options to meet long-term financial goals.

Online Banking

24/7 online and mobile banking enables account management, bill payments, and fund transfers. Features include e-statements, mobile check deposits, and real-time transaction alerts for enhanced financial control.

Questions

What loan products does 1st Street Credit Union offer?

We provide home equity loans, auto loans, mortgages, and credit cards with competitive APRs. Visit our website or contact us for current rates and terms.

Are my deposits insured at 1st Street Credit Union?

Yes, all deposit accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).

What online banking features are available?

Our digital platform includes bill payment, mobile check deposits, transaction alerts, and 24/7 account access through our mobile app or online portal.

How can I access ATMs outside Sarasota?

Our debit card works at Shazam, Mastercard, Cirrus, and CO-OP ATMs nationwide through shared branching networks for convenient cash access.

What identity theft protection services are available?

IDSafeChoice provides recovery services for identity theft victims, including fraud alerts, credit monitoring, and personalized advocacy to restore your financial security.

What are the credit union's branch hours?

Our Sarasota office is open Monday-Friday 8:15 AM-5:00 PM and Wednesday 10:30 AM-5:00 PM. Call center support extends to 8:00 PM weekdays and 8:00 AM-5:00 PM Saturdays.

Reviews (6)

Write a Review

John Roger

Oct 29, 2021 Report

This is my opinion based on my experience. Do not use this bank, would be my advice, based on what happened to me. AWFUL EXPERIENCE!. You have been warned buyer beware.

Scags

Sep 22, 2021 Report

Do not join this bank. The staff are out of their minds with the napkins and jab. Horrible service. The worse bank I ever belonged to. Took all my money out yesterday. Avoid at all cost.

Eric Bolden

Mar 26, 2021 Report

1st Street Credit Union never disappoints. I have been a member of this Credit Union for over 25 years and I have always had a great experience with every transaction from start to finish. You are always treated like family and 1st Street Credit Union has a plethora of services as a one stop location for all of you banking needs.

Jessica Lowther

Feb 15, 2021 Report

I wanted to open an account with a shared branch with my great CU back home now that I moved here. I should have listened to my gut instinct, because while I was filling out all the paperwork a gentleman that worked for the bank kept asking me where I lived and where my apartment complex was and even though I felt uncomfortable I didn't say anything. Then, they would not let me pull out a certain amount of cash for my check and told me that I would have a debit card within seven business days here it is 13 days later and I'm still without a debit card. The card company they use is down(?) And they

Lovie Craddock

Jan 16, 2021 Report

Worst experience I have ever had at any credit union in any State. After patiently standing in line I was handed a small piece of paper that had been over duplicated. I was ordered to fill in. After completion I had to stand in line again. Teller was rude and spoke to me as if I were a child throughout my entire transaction. The lobby was cramped and unprofessional. Thankfully, Sarasota has a second credit union available to visitors, Everence Federal Credit Union.

John Weber

Sep 02, 2020 Report

I agree with the reviews of this place going downhill. I had a savings account that had no activity for a year. I received nothing from the CU, not a call, not a letter, not an e mail about the dormancy. NOTHING. When I went back to the CU to deposit money they informed me that my account was closed (and they took the cash in the account ! ) There was nothing to attest to their rules on dormant accounts. Nothing that attested to what a dormant account costs as a penalty and no proof that they ever even sent a letter or an email. These dopes seem to make their rules up as they go along. They are