Back to Palatka credit unions

First Coast Community

306 S Palm Ave, Palatka, FL 32177
NCUA Insured3.8 (60 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

306 S Palm Ave

Palatka, FL 32177

Service Area

This credit union is located in Palatka and serves members in the FL area. Currently serving 11,957 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.94%

Used Auto Loan

9.94%

Personal Loan

15.00%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q1 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q1 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations

Branch information not available for this credit union.

Member Reviews

3.8

60 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
caleb arrants

caleb arrants

5 months ago

Recently applied for a loan. Went through a few options and was given attitude and spoken to like I was an inconvenience. App sucks and doesn’t work hardly at all. They used to be great and never had any issues. Closed my account and went to Barwick.

Honey Badger

Honey Badger

a year ago

This has to be the worst credit union I have ever had the pleasure of being a member of. If they make a mistake, the customer definitely pays for it. They made a mistake on my account which cost me almost $10,000 and made me pay for it by forcing me to take a loan out at 19% interest. That was the only way that they would unfreeze my account. Run from this bank if you are thinking about joining.

Reborn mommy 100

Reborn mommy 100

a year ago

I've been a member for 20+ years and today was the worst experience I have ever received. I was spoken to like I was a bother to the 3 people I spoke to. So in so many words they told me they do not want my business and that's fine because TD customer service is so much better. Yes I left them just using 1st coast account for auto pays. And their drive through is ridiculous.

joshua gasson

joshua gasson

9 months ago

Customer service is trash, app has not worked for weeks and they don’t care if the members are happy or not. What a shame! Bank elsewhere!!!!

Brina Williams

Brina Williams

2 years ago

I’ve been a customer since I was 11 years old and at 34 I can truly say this credit union is amazing. The customer service is always on point. Marialaina Bianca is professional, handles things in a timely manner and always gets the job done. She’s a strong leader and it truly shows. I would recommend this credit union.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).