First Florida Jacksonville FL Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Florida at our Southpoint Branch, located at 6622 Southpoint Dr S, Jacksonville, FL 32216. Since our establishment in 1950, we have been dedicated to serving our members and the community with trust and reliability. With a robust membership of over 62,308 individuals, we pride ourselves on being a cornerstone of financial support in Jacksonville. At First Florida, we understand that each member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our total assets amount to an impressive $1,375,385,367, which reflects our strong commitment to providing you with secure and reliable financial resources. With total deposits reaching $64,940,473, you can trust us to safeguard your savings while also offering competitive loan options. Under the leadership of CEO Brent Lister and Board President Dean Willis, our team is here to ensure that your experience is seamless and rewarding. We are proud to have a dedicated staff of 210 employees who are ready to assist you with any inquiries or services you may need. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 500 W 1st St, Jacksonville, FL 32202-3939. We invite you to explore everything we have to offer by visiting our website at firstflorida.org. Whether you're looking for financial advice or want to open a new account, feel free to call us at 904-359-6800 or visit us during our lobby hours: Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m. Join us today and experience the difference with First Florida your trusted partner in building a brighter financial future!

Branch History & Mission

Join Us

We invite you to become part of the First Florida family. Experience firsthand how we blend personal service with modern convenience to meet your financial needs. Whether you're looking to open an account or explore loan options, our friendly team is here to help you every step of the way. For any inquiries or assistance, feel free to contact us at 904-359-6800 during our lobby hours: Monday - Thursday from 9:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m., or make use of our drive-thru services during those same hours. Join us today at First Florida where your financial success is our mission!

Our Journey

Since our inception, First Florida has grown significantly from its humble beginnings. Today, we boast a total membership of 62,308 and total assets exceeding $1.375 billion. This remarkable journey reflects our commitment to providing quality service and fostering lasting relationships with our members. Our headquarters in Jacksonville ensures that we remain deeply rooted in our community while expanding our reach and services. Over the years, we've embraced innovations in banking technology to enhance member experiences. From online banking to mobile applications, we've ensured that our services are both convenient and efficient. We take pride in being ADA compliant and continually strive to improve accessibility for all our members.

Our Mission

Our mission is clear: to empower individuals and families by providing tailored financial solutions while actively supporting the communities we serve. We offer a range of services including personal banking, auto loans, mortgages, and business banking solutions. By prioritizing customer needs and maintaining transparency, we aim to build trust with every interaction. As a community-focused credit union, we engage in various outreach efforts that support local initiatives and charities. We believe in giving back because when our community thrives, we all benefit. While members can visit us at 6622 Southpoint Dr S, official correspondence should be sent to 500 W 1st St, Jacksonville, FL 32202-3939.

Branch Location & Accessibility

Connect With Us

Have questions? Don't hesitate to reach out! You can give us a call at 904-359-6800 or simply drop by during our operating hours. We're excited to assist you with all your banking needs and look forward to welcoming you at First Florida Southpoint Branch!

Convenient Access and Features

Our branch offers ample parking for members visiting us in person, along with ADA-compliant features to ensure everyone can access our services comfortably. If you prefer banking on-the-go, we also provide ATM services right here at the branch, along with a drive-thru option for those quick transactions without leaving your car.

Operating Hours That Work for You

We know life can be busy, so we've designed our operating hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays, we're here until 6:00 p.m. The drive-thru operates during the same hours, making it easy for you to get the banking services you need when it's most convenient for you.

Our Services

At First Florida, we offer a variety of personal and business banking services tailored to meet your needs. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our team is ready to help. Plus, with shared service center availability, members from partner credit unions can also enjoy seamless transactions right here. While members can visit us at 6622 Southpoint Dr S Jacksonville Fl 32216, official correspondence should be sent to our mailing address at 500 W 1st St, Jacksonville, FL 32202-3939.

Member Eligibility

At First Florida, we believe that everyone deserves a chance to be part of a supportive community. Joining us is easy and welcoming! If you're a resident of our service area or have an immediate family member who is, you may be eligible for membership. We also invite those who work for select employers or attend certain schools within our community. To make sure you fit the criteria, feel free to check out the detailed eligibility information at https://www.firstflorida.org/about/membership . Becoming a member opens the door to fantastic benefits like competitive loan rates, personalized services, and access to exclusive financial resources. Ready to take the next step? Opening an account with us is simple! You can start the process online by visiting https://www.firstflorida.org/apply-for-a-loan , or give us a call at (904) 359-6800 if you have any questions. Our friendly team is here to help you every step of the way, ensuring your experience is as smooth as possible. Join us at First Florida, located at 6622 Southpoint Dr S Jacksonville Fl 32216, and let's build your financial future together!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $27 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $12,995,693, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that simplify your payment processes. From accepting credit cards to managing transactions seamlessly, our tools are crafted to keep your cash flow steady. Picture your customers making quick purchases while you enjoy the benefits of streamlined operations. Located conveniently at 6622 Southpoint Dr S Jacksonville Fl 32216, Jacksonville, FL, our team is ready to partner with you on your journey towards success. Call us at (904) 359-6800 or visit our website at https://www.firstflorida.org/ to learn more about how we can support your business aspirations today!

Comprehensive List Of Services

Accessibility at Your Fingertips

Visiting us in person? We provide essential banking services through our Drive-Thru for quick deposits and withdrawals. For members of partner credit unions, our shared branch transactions make it simple to access funds when you need them most. You can reach us at (904) 359-6800 if you have any questions or want to learn more about how we can assist you with your financial journey. As a proud member-focused organization, we invite you to visit us at 6622 Southpoint Dr S Jacksonville Fl 32216 in beautiful Jacksonville, FL. Let's work together towards achieving your financial goals! Ready to get started? Explore all that we offer by visiting our website: Southpoint Branch. We're excited to serve you!

Business Banking Options

If you're a business owner in need of support, we offer tailored solutions through our Business Banking services. From Merchant Services that simplify payment processing to Business Loans that help fuel your company's growth, we're here to assist you every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why at First Florida, we offer robust Online & Mobile Banking platforms. With these tools, you can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments. Need cash? Our network of ATMs ensures easy access for withdrawals and balance checks without the hassle.

Personal Banking Solutions

For those managing everyday expenses or planning for the future, our Personal Banking options include checking and savings accounts designed to help you save wisely and spend smartly. If you find yourself dreaming of a new car, our Auto Loans & Vehicle Financing can make that dream a reality with competitive rates and flexible terms. And when it comes to your home, our Mortgage Loans & Refinancing services ensure that buying or refinancing your house is straightforward and stress-free. Do you have existing debts weighing you down? Our Personal Loans & Debt Consolidation offerings could provide the relief you need by simplifying your payments into one manageable loan. Plus, don't forget about our Credit Cards with Rewards, allowing you to earn points on everyday purchases while enjoying benefits like cash back or travel rewards.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to view your account balances, transfer money, and pay bills with just a few clicks. You can also enjoy the ease of e-statements, which means no more paper clutter just quick access to your financial statements whenever you need them. If you're on the go, our mobile application makes it simple to bank from your smartphone. Plus, with mobile payments, you can make purchases without having to carry cash or cards. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that quickly and securely. And when it comes to signing documents electronically, our electronic signature authorization makes the process smooth and hassle-free.

Security You Can Trust

We prioritize your security in all our digital services. Rest assured that your personal information is protected through advanced security measures. We want you to feel confident while banking online or using our mobile app. With First Florida, managing your money has never been easier or more accessible. Whether you're at home or out and about, our suite of digital banking tools helps you stay on top of your finances in real-time. Explore all the ways we can support your financial journey by visiting us at https://www.firstflorida.org/ today!

Financial Strength

Member Savings Security

Members' savings are secured through $336,791,568 in share certificates and $112,099,388 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 204 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $178,865,367, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,298 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Better Services

With $122,278,331 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $24,000 in used auto loans and $930,048,448 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Trust Built on Transparency

Net Shares (Funds available for lending and investments): $14,511. Total Share and Deposit Accounts: 122,731, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Florida is your trusted partner. Visit us at 6622 Southpoint Dr S Jacksonville Fl 32216 or call (904) 359-6800 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $237,007,404 in used vehicle loans and $87,968,253 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to suit your needs. If you're considering refinancing your current auto loan for better terms, we have flexible options available too.

Business Financing

For business owners in our community, we have outstanding commercial loans totaling $12,995,693, which provide the capital needed to grow and expand your business operations. At First Florida Credit Union, we're dedicated to providing financial products that meet your needs while ensuring transparency and accessibility. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can support your financial journey!

Credit Lines and Unsecured Loans

For those who prefer flexibility in managing finances, we also offer credit lines with a total of $264,783,720 available to our members. Additionally, we provide unsecured credit card loans with a total amount of $21,729,435. This option allows you to manage expenses effectively without the need for collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $59,333,823, catering to various needs from first-time buyers to those looking to refinance an existing mortgage.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, you can navigate the lending landscape with confidence. LendMesh ensures accurate loan comparisons through a reliable data sourcing strategy. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information provided is up-to-date and reflective of current market conditions. The benefits of using LendMesh are clear. First, Verified Data ensures that all loan offers come from legitimate financial institutions, promoting transparency in your borrowing options. Additionally, No Sponsored Listings means LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results so you can make informed decisions without hidden agendas. Finally, Real-Time Rate Comparisons present you with up-to-the-minute loan rates from multiple institutions, empowering you to choose the best option for your financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of LendMesh as a valuable tool in your search for loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRST FLORIDA CREDIT UNION