Business Details
50+ Years
experience
Your Trusted Credit Union in Palatka, FL
First Coast Community Credit Union has served as a member-owned financial cooperative since 1948, dedicated to providing personalized financial solutions to residents of Putnam, Flagler, and St. Johns Counties. Our mission centers on returning profits to members through competitive rates, higher dividends, and tailored financial guidance. With a history rooted in community service, we prioritize local needs while offering modern banking tools like mobile apps, online banking, and 24/7 ATM access. Our team emphasizes relationship-building, remembering members by name, and addressing individual financial goals.We expanded from a cigar box operation at a paper mill to a multi-branch institution serving diverse communities, maintaining a hometown feel despite growth. Member referrals and long-term loyalty underscore our commitment to treating clients like family rather than account numbers. Through mergers and charter expansions, weve strengthened our ability to deliver comprehensive services while preserving our cooperative ethos.
Services
Auto Loans
Home Equity Lines
Savings Accounts
Credit Cards
RV/Boat Loans
Details
- Year established: 1948
Highlights and features
- We offer member-owned financial services with profits returned through competitive rates.
- Our team provides personalized banking with a focus on local community needs.
- We combine modern digital tools with traditional relationship-based service.
- We serve Putnam, Flagler, and St. Johns Counties with tailored financial education.
- Our history of mergers and expansions strengthens our service capabilities.
What people say
Friendly staff
Personalized service
Competitive rates
Community focus
Long-term reliability
Services
Auto Loans
Finance new or used vehicles with competitive interest rates and flexible terms. Our auto loans cater to diverse credit profiles, ensuring accessible options for reliable transportation. Members benefit from streamlined approval processes and personalized rate consultations.
Home Equity Lines
Leverage home equity for renovations, debt consolidation, or major expenses. Our HELOCs offer adjustable rates, low closing costs, and draw periods up to 10 years. Funds are accessible via checks or linked debit cards for financial flexibility.
Savings Accounts
Secure your funds with FDIC-insured savings accounts featuring tiered interest rates. Options include youth accounts, money market accounts, and certificates of deposit with varying term lengths. Online balance tracking and mobile check deposit enhance convenience.
Credit Cards
Earn rewards on everyday purchases with low-interest VISA credit cards. Features include zero liability protection, mobile payment compatibility, and customizable spending alerts. Online account management simplifies payment scheduling and fraud monitoring.
RV/Boat Loans
Finance recreational vehicles or watercraft with specialized loan programs. Competitive rates apply to new and used purchases, with terms up to 15 years for boats and 10 years for RVs. Pre-approval options help streamline dealership visits.
Questions
How do I become a member?
Join if you live, work, or own a business in Putnam, Flagler, or St. Johns Counties. Visit a branch or apply online with valid ID and initial deposit.
What digital banking tools are available?
Access accounts 24/7 via mobile app, online banking, eStatements, and mobile check deposit. Set up alerts and schedule payments through FirstPay.
Do you offer business banking services?
Yes, we provide business checking accounts, loans, and credit cards tailored to local enterprises. Contact our loan specialists for customized solutions.
Are there surcharge-free ATMs?
Use our in-network ATMs and partner networks for fee-free transactions. Locate nearby machines using our ATM Locator tool.
What loan types do you specialize in?
We offer auto loans, HELOCs, RV/boat financing, personal loans, and credit cards. Competitive rates apply to both secured and unsecured options.
Reviews (7)
Yabilsu Esther
Dec 05, 2021
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⭐️⭐️⭐️⭐️⭐️ FOREX INVESTMENT I never believed my life will change in such a manner, i saw a review on a page about MRS LOYCE GREEN and before then i have never risk money doing anything online with anybody because i think i was so wise and never want to be cheated, but when i contacted her and she explained everything to me concerning trading and… the profit i can make within a week i was convinced to give a trial and why i risked to invest 500$ was because i don't need to send her the money but to create and fund my trading
Narsing Narsing
Nov 02, 2021
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Was scared to trade, because I have been scammed many times, but I had to take one last chance because I heard Mr arnold clark was a very honest person , so I gave it one last trial wow to my greatest surprise what I heard about he was correct, today through Mr arnold clark I have been able to get back all I had lost and earned even more, contact he for the best investment services and you will not be disappointed, I invested $1,000 and got $12,500 in 7days You can contact him directly. email arnoldclark61@gmail.com WhatsApp: +1(910)2274267
Lawrence Wise
Nov 02, 2021
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I'm so full of excitement and indebtedness for a tremendous outcome by MR ARNOLD CLARK , If I was told I will ever meet a Forex/Binary trader as legit, genuine and so hand-working like CLARK, I will probably not believe due to the evil adventure I encountered trying to Trade and was defrauded but was recommended to CLARK, I won't lie folks my… middle name turned to anxiety and didn't want to lose more funds, this time I choose to invest little with $500 and in just a week CLARK assisted me to earn $6,900, so I kept on investing continuously. Today I'm financially successful. contact MR ARNOLD
Sue Morel Lohnes
Aug 15, 2019
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I recommend coming in and see what they are like We are the only home town credit union here with a friendly staff and eager to meet all your needs big or small
Mr. Buck Mr. Buck
Dec 13, 2017
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I hate this bank im closing my account soon its new years day and there not open its two other banks open this is the last straw with these people......im done.!
Joseph Horn
Sep 26, 2017
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My checks are being put on hold for the first six months and i cant get all of my money until two days later.
Janice Howe
Jun 04, 2017
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I have always in the many years here found the clerks helpful an kind an very informative thank u ur a Great credit union