Credit union · NCUA insured
1st Street Credit Union Savings Rates
Top Carrot1st Street Credit Union’s best savings rate is 0.65% APY on $10,000, with its MONEY MARKET. Rates checked October 15, 2026.
How 1st Street Credit Union’s savings rates compare
Compared with banks and credit unions near North Port, FL, where 1st Street Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Street Credit Union
0.65%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $65
MONEY MARKET
Top rate
BankUnited
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
1st Street Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Street Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
MONEY MARKET
0.65%APY
Initial deposit of $1,000; additional deposits of $250 or more; withdrawals in $500 increments up to 6 per calendar month (additional withdrawals charged a $2.00 fee per withdrawal). Dividends earned on average daily balance and paid quarterly. No monthly service charges, withdrawal penalties or investment periods.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.65% | $65 |
| $50,000 and up | 0.85% | — |
| $100,000 and up | 1.05% | — |
| $150,000 and up | 1.26% | — |
Sources (2)
All captured Sep 18, 2026
PRIME SHARE
0.10%APY
Primary share account that establishes credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
SPECIAL SHARES
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- 1streetcu.com/cua-rate-tables · captured Sep 18, 2026
Special-purpose accounts
HOLIDAY CLUB
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
TRADITION IRA SHARE
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Who can join 1st Street Credit Union
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.
Membership information collected October 5, 2026.