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

Introduction

Welcome to First Florida, your trusted partner in financial wellness since 1950! Located at 279 Harper Ln, St Johns, FL 32259, our Durbin Branch is dedicated to serving the community with a personal touch. With over 62,000 members and total assets exceeding $1.37 billion, we pride ourselves on being a cornerstone of financial stability and growth for individuals and families alike. At First Florida, we understand that your financial journey is unique. Whether you're looking to secure an auto loan from our pool of 76,363 loans and leases or open a savings account to grow your funds our team is here to guide you every step of the way. We maintain a solid foundation with $64,940,473 in deposits and a net worth of $178,865,367, ensuring we can meet your needs now and into the future. Our leadership team, led by CEO Brent Lister and Board President Dean Willis, embodies our commitment to excellence. With a combined effort from our dedicated staff of 210 employees, we're focused on providing services that truly benefit our members. From personal banking solutions to business loans, First Florida is equipped to support all aspects of your financial life. While you can visit us at our branch for face-to-face assistance, official correspondence should be sent to our mailing address at 500 W 1st St, Jacksonville, FL 32202-3939. Feel free to reach out via phone at 904-359-6800 or explore more about what we offer on our website First Florida. Join us today and experience the difference of being part of a community-focused credit union that prioritizes your financial success!

Branch History & Mission

Join Us

As we look toward the future, First Florida remains committed to enhancing your banking experience with digital advancements and ADA compliance initiatives that cater to all members of our community. Whether you're opening an account or seeking financial advice, we're here for you every step of the way. Discover how First Florida can make a difference in your life join us today! Visit us online at firstflorida.org or call us at 904-359-6800 for more information on how we can assist you in reaching your financial dreams.

Our Evolution

From our humble beginnings to becoming a cornerstone of the community, First Florida has always aimed to provide more than just banking services. We have embraced innovation while remaining committed to personal service. Throughout the years, we have expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and business banking services. This evolution reflects our dedication to meet the diverse needs of our members. We proudly maintain an accessible facility that includes an ATM and drive-thru service for your convenience. Our operating hours are designed with you in mind: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m.

Our Mission

At First Florida, we believe in empowering our members by providing reliable financial services while fostering community support. Our mission is simple yet profound: we aim to improve the financial well-being of each member by offering personalized solutions that help them achieve their goals. We understand that every member's journey is unique, which is why we take pride in tailoring our services to fit individual needs. In addition to delivering quality financial products, we actively engage with the community through outreach programs and partnerships that promote local initiatives. We strive to make a positive impact beyond banking by supporting local events and organizations that matter most to our members. While members can visit us at 279 Harper Ln, official correspondence should be sent to 500 W 1st St, Jacksonville, FL 32202-3939.

Branch Location & Accessibility

Contact Us Today!

Ready to experience exceptional banking? Give us a call at 904-359-6800 or stop by our Durbin Branch today! We're excited to help you with all your financial needs and look forward to welcoming you into our First Florida family!

Local Landmarks and Accessibility

Nestled near local favorites such as the St. Johns Town Center and just a short drive from the scenic Julington Creek, our branch is easily accessible for everyone. We prioritize accessibility with features like ADA compliance and ramps to ensure that all members can visit us comfortably. Ample parking is available right outside our doors, so you won't have any trouble finding a spot when you stop by.

Operating Hours

We understand that life can be busy, which is why we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. For your convenience, we also welcome you on Saturdays from 9:00 a.m. until noon. If you're in need of quick service, our drive-thru is available during the same hours.

Services Offered

At the First Florida Durbin Branch, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! Need cash? Our ATM is ready for your use anytime. Plus, with shared service center availability, members of partner credit unions can also perform basic transactions here.

Member Eligibility

Joining the First Florida family is a warm and welcoming experience, where you become part of a supportive community dedicated to your financial well-being. To become a member of First Florida, you simply need to meet some basic eligibility criteria. Generally, anyone who lives, works, worships, or attends school in certain areas can join us. This means that whether you're just starting out or looking to enhance your financial journey, there's a place for you here. You can find all the details about membership eligibility by visiting our membership page. Once you're ready to take the next step, opening an account is easy! You can get started online by checking out our account opening page or simply give us a call at (904) 359-6800 if you have any questions. We're here to help make this process smooth and enjoyable for you. So come on over to our branch located at 279 Harper Ln St Johns Fl 32259, and let's get started on your path to better banking together!

Business Banking & Commercial Services

Merchant Services That Work

In addition to loans, we offer merchant services designed to simplify your operations. Picture a local coffee shop using our payment processing solutions to accept credit cards seamlessly during busy morning rush hours. Our tools help ensure you never miss a sale while keeping your customers happy. Located at 279 Harper Ln St Johns Fl 32259 in St Johns, FL, our team is ready to partner with you on your journey toward success. Reach out today at (904) 359-6800 to explore how we can help your business thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks at convenient locations. Plus, our basic drive-thru banking service offers hassle-free deposits and withdrawals without leaving your car perfect for those busy days!

Auto Loans & Vehicle Financing

If you're planning to buy a new car or refinance your existing vehicle, our auto loans and vehicle financing options are perfect for you. We offer competitive rates and flexible terms that can fit into any budget, ensuring that driving your dream car is within reach.

Business Banking Services

For our business members, we offer comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth.

Convenient Digital Banking Features

With today's fast-paced lifestyle, having access to banking services anytime is essential. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, pay bills, and even make person-to-person payments all from the comfort of your own home or on the go.

Credit Cards with Rewards

Our credit cards with rewards program allows you to earn benefits on your everyday purchases. Enjoy cashback or points for travel, shopping, and more making each transaction work for you.

Home Financing Made Easy

When it comes to homeownership, we understand that having the right mortgage is key. Our mortgage loans and refinancing options provide the flexibility and support necessary for making informed decisions about buying or refinancing your home. Let us guide you through the process to find what best suits your situation.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, we've got options that suit every lifestyle. Our personal banking services include checking and savings accounts designed to help you manage your day-to-day finances effectively. Need a little extra cash for a big purchase? Our personal loans and debt consolidation solutions can provide the support you need, making it easier to handle expenses without stress.

Shared Branch Transactions

As part of our commitment to accessibility, we also provide basic shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals even if you're away from your usual branch. At First Florida, we strive to make banking not only easy but also rewarding. If you have questions about any of our services or want assistance getting started, feel free to call us at (904) 359-6800 or visit us during our lobby hours: Monday - Thursday from 9:00 a.m. - 5:00 p.m., Friday from 9:00 a.m. - 6:00 p.m., and Saturday from 9:00 a.m. - 12:00 p.m. We look forward to helping you achieve your financial goals!

Digital & Online Banking

Key Services

Our online banking features let you check balances, transfer funds, and pay bills with just a few clicks. You can also enroll in e-statements for a paperless experience keeping your financial documents organized and secure. Plus, with electronic signature authorization, signing documents is as simple as a click on your device. Need to send money to friends or family? Our person-to-person transfer feature makes it effortless to send funds quickly and securely. For those on the go, our mobile application allows you to manage your finances right from your smartphone. You can even make mobile payments directly from your account, making transactions faster than ever.

Security and Accessibility

Your security is our top priority. We employ advanced encryption technologies to ensure that your personal information remains safe while using our digital services. The user-friendly interface means you won't need to be a tech expert to navigate through various features everything is designed for ease of use. With all these tools at your fingertips, managing your finances has never been more accessible or convenient. Join us at First Florida and experience the benefits of modern banking today!

Financial Strength

A Solid Foundation

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.

Dedicated Team at Your Service

We also take pride in having 204 full-time employees and 6 part-time employees who are always ready to serve you with a knowledgeable, committed team. Our dedication to excellent customer service is backed by a strong workforce that understands your needs.

Growing Membership Base

Total Share Accounts stand at 122,731, showing a strong and growing member base that trusts us with their finances. This reflects not only our reliability but also the community's confidence in our services. 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 279 Harper Ln St Johns Fl 32259 or call (904) 359-6800 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

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. We understand that your financial goals are important; that's why with $24,000 in used auto loans and $930,048,448 in total loans and leases, our lending capacity supports a wide range of member needs.

Member Savings Securely Managed

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 financial success is further reflected in our $0, showcasing our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for our members.

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 competitive terms and flexible repayment options to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $12,995,693 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to supporting your success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $59,333,823, make buying or refinancing simple. We understand that purchasing a home is a significant step and are here to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, we encourage you to reach out. Our team can help you understand your options and find the best fit for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online or contact us today to learn more about how First Florida can assist you with your lending needs!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $21,729,435 in loans helping members manage their finances effectively. These cards are designed to provide you with the purchasing power you need while offering benefits like rewards programs and low-interest rates.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

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 ). This means users receive fair and transparent offers based on reliable information.

FIRST FLORIDA CREDIT UNION