First Florida logo

First Florida in Jacksonville, FL

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First Florida Credit Union is a member-owned financial institution offering checking, savings, loans, mortgages, and investment services to Florida residents with a focus on personalized customer service.

Data compiled from public sources

First Florida Review

First Florida Credit Union is a not-for-profit, member-owned credit union serving Florida communities with NCUA insurance protection. The institution has established itself as a long-standing financial partner, with members reporting 25+ years of loyalty and consistent service quality. The credit union operates multiple branch locations and maintains an online banking platform for member convenience.

First Florida offers a comprehensive suite of financial products including share accounts (savings), student checking, credit cards, auto loans, mortgages, and investment services through First Florida Investment Services. They provide retirement planning seminars, rollover planning webinars, and financial education through their Financial Wellness Center and "It's a Money Thing" resource platform. The credit union also offers listed products like the Sand Dollar Savings Club for youth and financial literacy events targeting teenagers and families.

The institution differentiates itself through emphasizing member relationships and service quality. Customer testimonials highlight high listed staff, faster account opening processes, rate claims to verify on auto loans compared to traditional banks, and personalized assistance. The credit union positions itself on the "CU Difference"—the member-owned, not-for-profit model—and actively hosts community financial education events including retirement seminars and money management workshops.

As a credit union, First Florida is best suited for Florida residents seeking traditional banking services with potentially lower fees and better rates than commercial banks. However, membership is required, and the organization's website does not clearly detail membership eligibility requirements or fee structures. The investment services page appears to be under development, suggesting some service infrastructure may be transitional.

Services & Features

Auto loans
Credit cards
Financial resource center with articles, videos, and calculators
Financial wellness seminars and webinars
Investment services and retirement planning
Mortgages (home purchase and refinance)
Online banking with login portal
Sand Dollar Savings Club
Share accounts (savings accounts)
Student checking accounts
TruStage rollover planning services
Youth financial literacy programs (Teens & Money simulation)

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Member-owned, not-for-profit structure typically offers lower fees and rate claims to verify
  • Competitive auto loan rates specifically praised by multiple customers in testimonials
  • Fast account opening process (customers report setup within minutes)
  • NCUA insurance protection for member accounts
  • Comprehensive financial education resources including retirement planning seminars and youth financial literacy programs
  • Multiple branch locations with extended service hours
  • Investment services available through First Florida Investment Services with CFP Professional advisors
  • Online banking and mobile access with Routing #263079014

Cons

  • Membership eligibility requirements are not clearly stated on the website
  • Investment services page is marked as under development with account access redirected to third-party portal
  • Limited transparency on fee structures and account minimums compared to competitors
  • No clear information about loan approval timelines or credit requirements
  • Website does not specify geographic service area or membership restrictions beyond Florida

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Jacksonville, FL. It does not confirm that First Florida or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First Florida offer?

First Florida offers 12 services including Share accounts (savings accounts), Student checking accounts, Credit cards, Auto loans, Mortgages (home purchase and refinance), and 7 more.

What profile signals are listed for First Florida?

First Florida has profile signals associated with Florida residents seeking lower-cost checking and savings accounts with rate claims to verify, Borrowers shopping for auto loans with emphasis on relationship-based lending, Members interested in comprehensive financial education and retirement planning support, Families wanting youth financial literacy programs and teen money management resources.

What are the strengths and weaknesses of First Florida?

Key strengths: Member-owned, not-for-profit structure typically offers lower fees and rate claims to verify; Competitive auto loan rates specifically praised by multiple customers in testimonials; Fast account opening process (customers report setup within minutes). Areas to consider: Membership eligibility requirements are not clearly stated on the website; Investment services page is marked as under development with account access redirected to third-party portal.

How does First Florida compare to similar companies?

In the Credit Unions category, comparable providers include American Airlines Federal Credit Union, Community First Credit Union, GTE Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1950
Headquarters
Jacksonville, FL
BBB Accredited
No
Certifications
NCUA Insured Charter #61170
Visit First Florida

CreditDoc Profile Note

Research Note on First Florida

First Florida Credit Union is profile signals for Florida residents seeking traditional banking and lending services with member-owned credit union benefits, rate claims to verify, and strong customer service. The primary caveat is that membership eligibility is not clearly defined on their website, and some digital services appear to be under ongoing development, so prospective members should contact the credit union directly to confirm eligibility and current service availability.

Profile Signals

  • Florida residents seeking lower-cost checking and savings accounts with rate claims to verify
  • Borrowers shopping for auto loans with emphasis on relationship-based lending
  • Members interested in comprehensive financial education and retirement planning support
  • Families wanting youth financial literacy programs and teen money management resources
Updated 2026-05-14

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American Airlines Federal Credit Union logo

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Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.

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GTE Financial Credit Union logo

GTE Financial Credit Union

GTE Financial is a credit union serving members since 1935 with checking, savings, loans, mortgages, and credit cards. They emphasize member benefits, community involvement, and rate claims to verify.

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Quick Summary

  • First Florida is listed as a Credit Unions provider in Jacksonville, FL on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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