Business Details
Your Trusted Financial Partner in Sarasota, FL
1st Street Credit Union is a financial cooperative dedicated to providing value-driven services to its members and communities. Established to serve the financial needs of our members, we offer a comprehensive range of products including savings accounts, loans, credit cards, and identity theft protection. Our commitment to limiting service charges ensures accessibility to free services such as mobile banking, bill payment, and notary services. With over 20 years of combined experience in the financial sector, our team prioritizes personalized support and community engagement. We specialize in competitive rates for home equity loans, auto loans, and credit cards, alongside innovative solutions like shared branching networks and 24/7 ATM access.Our expertise in federally insured accounts up to $250,000 demonstrates our dedication to security and trustworthiness. As a leader in member-centric banking, we emphasize transparency, ethical practices, and long-term relationships. Our authority in the industry is reinforced by partnerships with networks like Co-Op Shared Branch and Xtend Shared Branch. We guarantee reliability through free overdraft protection, identity recovery services, and a 30-day resolution policy for account discrepancies. Our commitment to continuous improvement ensures members receive tailored financial solutions that evolve with their needs.
Services
Savings Accounts
Loans
Credit Cards
ATM Access
ID Theft Protection
Online Banking
Bill Payment
Shared Branching
Certificate Programs
Overdraft Protection
Highlights and features
- We offer free Mastercard Debit Cards with no monthly fees.
- Our team provides personalized support through shared branching networks.
- We guarantee competitive APRs on home equity and auto loans.
- Our federally insured accounts ensure up to $250,000 in savings protection.
- We provide 24/7 ATM access with no usage limits.
What people say
So nice and amazing
Absolutely fabulous
Sweet and appreciative
Tearful with joy
Above and beyond
Services
Savings Accounts
Our Share Accounts provide federally insured savings with competitive dividend rates. Members earn returns while maintaining liquidity through free withdrawals and no monthly fees. Quarterly statements ensure transparency and financial tracking.
Loans
We offer home equity loans, auto loans, and personal loans with low APRs. Flexible terms and quick approvals cater to diverse financial needs, including first-time homebuyers and vehicle financing.
Credit Cards
Mastercard Debit and Credit Cards provide secure, global payment options. Features include no annual fees, fraud protection, and instant transaction alerts for enhanced financial control.
ATM Access
24/7 access to ATMs nationwide through partnerships with Co-Op, Shazam, and Cirrus networks. Withdraw cash, check balances, and deposit checks at participating locations without surcharges.
ID Theft Protection
IDSafeChoice offers $1.25/month identity recovery services. Includes fraud alerts, credit monitoring, and personalized advocacy to resolve theft cases, saving members up to 600 hours of recovery effort.
Questions
How do I become a member?
Visit our office or apply online. Membership requires a $25 initial deposit to open a Share Account.
What loan types are available?
We offer home equity, auto, personal, and mortgage loans with competitive APRs and flexible terms.
Are my deposits insured?
Yes, all accounts are federally insured up to $250,000 by the NCUSIF.
How can I report a lost card?
Call 1-800-383-8000 for lost/stolen debit cards or 1-888-241-2510 for credit cards.
Do you offer mobile banking?
Yes, free mobile apps allow account access, bill payment, and check deposits 24/7.
What is Courtesy Pay?
An overdraft protection service that covers transactions to prevent declined payments for eligible accounts.
