Credit union · NCUA insured
1st Street Credit Union
Top CarrotA $33.8M credit union headquartered in Sarasota, FL, with 1,822 members and 1 branch in Florida. Best rates: CDs 4.16% and savings 0.65% APY.
1st Street Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#5 of 27 in North Port, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Street Credit Union
1st Street Credit Union is based in Sarasota, Florida.
- Headquarters
- 1558 1st St, Sarasota, FL 34236-8502
- NCUA charter
- 67309
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, worships or volunteers in Charlotte County, Manatee County or Sarasota County is eligible to join.
Employers and groups
- Employees of this Credit Union are eligible to join.
- Employees of any Non-Profit Organization are eligible to join.
Military, government and schools
- Employees of the City of Sarasota are eligible to join.
- Employees of the County of Sarasota are eligible to join.
- Employees of any Governmental Agency (Federal, State and Local) are eligible to join.
2 more ways to join
Military, government and schools
- Persons receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota are eligible to join.
Family and household
- Anyone related to an existing member by blood, marriage or adoption is eligible to join.
Branches
1 branch in Florida
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Florida
1 branch
- 1st Street Credit UnionMain office1558 1st St, Sarasota, FL 34236Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.10% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.90% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio14.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.10%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Street Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.