Credit union · NCUA insured
First Florida Credit Union Savings Rates
First Florida Credit Union’s best savings rate is 1.09% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How First Florida Credit Union’s savings rates compare
Compared with banks and credit unions near Jacksonville, FL, where First Florida Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Florida Credit Union
1.09%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $109
Money Market
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
First Florida Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.09%
- $100,000 balance$100,0001.49%
- QualifiedQualified1.09%
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 First Florida 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
1.09%APY
Membership eligibility is required. Minimum balance required to open is $2,500.00. Dividends are calculated by the average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Dividends calculated by the average daily balance method and compounded/credited monthly. | 1.09% | $109 | Dividends calculated by the average daily balance method and compounded/credited monthly. |
| $25,000 – $50,000Dividends calculated by the average daily balance method and compounded/credited monthly. | 1.19% | — | Dividends calculated by the average daily balance method and compounded/credited monthly. |
| $50,000 – $100,000Dividends calculated by the average daily balance method and compounded/credited monthly. | 1.39% | — | Dividends calculated by the average daily balance method and compounded/credited monthly. |
| $100,000 – $250,000Dividends calculated by the average daily balance method and compounded/credited monthly. | 1.49% | — | Dividends calculated by the average daily balance method and compounded/credited monthly. |
| $250,000 and upDividends calculated by the average daily balance method and compounded/credited monthly. | 1.49% | — | Dividends calculated by the average daily balance method and compounded/credited monthly. |
Sources (1)
- firstflorida.org/accounts/savings/money-market · captured Oct 15, 2026
Savings / Prime Share
0.10%APY
Membership eligibility required. Minimum $5.00 deposit (one share) required to open and join First Florida Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.10% | $10 |
| $50,000 and up | 0.20% | — |
Sources (3)
- firstflorida.org/accounts/savings/secondary-savings
- firstflorida.org/about/members…ip-eligibility/loan-rate
- firstflorida.org/accounts/savings
All captured Oct 5, 2026
Secondary Savings
0.10%APY
No minimum balance required. Shares rate schedule with Savings/Prime Share.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.10% | $10 |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Holiday Club
0.20%APY
Balance automatically transferred into predetermined savings or checking account on November 1st each year; automatically renews annually. Early withdrawal before maturity may cause account closure and a $10.00 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements apply.Any balance | 0.20% | $20 | No minimum balance requirements apply. |
Sources (1)
- firstflorida.org/accounts/savings/holiday-club · captured Oct 5, 2026
Individual Retirement Account (IRA) Savings
0.20%APY
Available as Traditional IRA, Roth IRA, and Educational IRA. $25.00 minimum to open. Must maintain a minimum average daily balance of $100.00 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.10% | — |
| $1,000 and up | 0.20% | $20 |
Sources (1)
- firstflorida.org/accounts/savi…dual-retirement-accounts · captured Oct 5, 2026
Who can join First Florida Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in specified Florida counties.
Employers and groups
- Eligible for membership through one of First Florida's Select Employee Groups.
Family and household
- The entire family of an existing member is eligible for membership through member sponsorship, regardless of state residency.
Cost to join
- A minimum deposit of $5.00 to a Savings Prime Share Account is required to join.
Membership information collected October 5, 2026.