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Slashed Our Loan Interest Rates

The Credit Union has slashed its interest rates to save YOU money!!!  We’ve lowered our rates on auto loans, boats/motorcycles/recreational vehicles and home equity loan products.  Check out our loan rate page for more information.

We may be able to match and beat your rate if you have your loan financed someplace else.  Please apply online or contact us at

#WeAreSarasotaStrong – Special Offers and Assistance to our Credit Union Family Members

A philosophy of “people helping people” is at the heart of 1st Street Credit Union’s mission. That’s why 1SCU is extending special offers and assistance to our members who are facing financial challenges as a result of the COVID-19 outbreak.

Protecting Yourself from Fraudulent Scams – We value your identity! Unfortunately, scammers are taking advantage of the current situation by sending phishing emails resembling emails from financial institutions. Please be aware that 1SCU will never send links or attachments via email asking you to open them. If in doubt, or you are concerned about any email, phone call or text that you receive, please hang up and call us at 941.953.6744.

The FTC has published the following article to protect yourself from scammers. Click Here

For members who are experiencing a loss of income, we are implementing the following relief measures to bridge the gap until the outbreak subsides. These measures include:

Loan Payment Deferment Assistance (Interest-Only Payment)

  • The Credit Union is offering you the ability to make an interest-only payment on your existing loan for up to 2 months based upon your individual circumstance.
  • Completion of a Loan Extension form is required.  If you would like to apply for an interest-only payment, please email us at

Skip-A-Pay Program – VISA

  • On our VISA Credit Card, if you qualified, your statement will alert you to the offer to skip your May payment. Interest will continue to accrue; delinquent accounts are ineligible.

Skip-A-Pay Program – Consumer Loans

The qualifications for the consumer loan skip-a-pay program are the following:

  • Minimum of 3 monthly payments have been made prior to your skip request;
  • Accounts that have been 30 days + within the past 4-months are ineligible;
  • All 1SCU accounts are in good standing;
  • You may skip a maximum of 1 payment;
  • A maximum of 4 skipped loan payments over the life of the loan. Other restrictions may apply;
  • Interest will still accrue;
  • Completion of the Skip-a-Pay Form; Please email us at to email us and we will send it out to you.

#WeAreSarasotaStrong Short-Term Loan

The Credit Union created this assistance loan with the hope that it can provide some relief to our members in these challenging times. Funds can be used to help them with any expenses they may have – household bills, groceries etc. that they may have been negatively impacted by as a result of COVID-19.

  • Loan Amounts up to $1,500;
  • Maximum Term of 12;
  • APR of 5.99%;
  • 60-day deferment of first scheduled payment may be available;
  • Must be a member of the Credit Union as of December 31, 2019;
  • You must not have been negative or delinquent at 1SCU in the last 6 months;
  • Proof of Hardship required; Documentation regarding reduction in hours/income;
  • Established ability to repay is required;
  • Establish a Direct Repayment to the Loan to qualify.

Contact us at if you would like us to call you to apply or you can apply online.

***Updated Branch Information – Effective 04-06-2020***

Dear Valued 1st Street Credit Union Members and Guests:

The Credit Union is temporarily adjusting its hours to deal with COVID-19.  The new hours of operation will be Monday, Tuesday, Thursday and Friday from 9 am to 4 pm.  Our team will be performing deep cleaning from 8 am to 9 am and from 4 pm to 5 pm.  On Wednesdays our hours of operation will be from 10 am to 4pm.

For Shared Branching guests, you must have an appointment in order to perform a transaction at our lobby.  Appointments will be made for the next business day subject to availability.  Please call us at 941.953.6744 to schedule an appointment.

We are handling appointments for Wire Transfers, New Accounts, Loan Closings etc.  Please call us at 941.953.6744 or email us at one of the addresses below

If you are having issues reaching us, please consider emailing us.  Please remember not to put your Account Number, Social Security Number or Credit/Debit Card number anywhere in your email message.

For credit or debit card issues, please email us here.  Remember to check our updated ATM page under the Information Center tab to see where you can withdraw money and deposit your checks.

For loan issues or to schedule a loan close, please email us here.

If you are experiencing a hardship, please email us here.

For account issues or appointments (new accounts, wire transfers), please email us here.

We continue to thank you for your understanding as we work together to get through this difficult time together.


1st Street Credit Union

Updated ATM Information

Good Afternoon 1st Street Credit Union Members:

We wanted to inform you that the Credit Union has updated the ATM section on our website. Please click on Information Center and then on ATM Locators.  The updated page provides you with links to the following:

1. How to increase your ATM/Debit Card Withdrawal Limits
2. Publix Presto ATM Locator
3. 5/3 Bank ATM Locator
4. CULIANCE ATM Locator – Over 80,000 surcharge-free locations nationwide.

Additionally, we have listed the ATMs that you can deposit your checks at in the Sarasota, Charlotte and Manatee counties.  If you have any questions, please Email Us.

Updated Branch Information – Coronavirus Update

The Credit Union sent out a mass e-mail yesterday afternoon discussing changes that have been made at the Credit Union.  Please become familiar with those changes by clicking on the link.  Since events are changing rapidly, please check Facebook, the website and email blasts for additional information.  Coronavirus Letter 03-19-2020

Annual Meeting Postponed

Postponement of the Credit Union's Annual Meeting

POSTPONED red Rubber Stamp over a white background.

To assist with social distancing and limitations allowed on crowd size, the Credit Union has decided to postpone the Annual Meeting that was to be held on Wednesday, March 25, 2020 at the Robert L. Taylor Center.  At this time, the Robert L. Taylor Center is closed and is not booking reservations for the future.  Once a date has been secured, we will let the membership know of the date and time.  Thank you for your continued patience and understanding.

Coronavirus Update

The Credit Union remains committed to the protection of our members and employees. Please read the attached communication.

Coronavirus Letter 03-09-2020

Closed in Rememberance of Dr. King

Sarasota Municipal Employees Credit Union’s new name


1st Street Credit Union Logo

On January 1, 2018, Sarasota Municipal Employees Credit Union will officially be known as 1st Street Credit Union!  With a new name and a new community charter, we are ready to move onward and upward.  We look forward to welcoming many new members in the months and years to come.

Remember you can use your existing checks, ATM, Credit and Debit Cards until they expire.  If you are writing a check to the Credit Union, please begin to use our new name beginning on January 1, 2018.

If you have any questions about the name change, please feel free to call or stop by.


Reordering Checks

Reordering Checks Online

Down to your last check and need to reorder them but find it hard to get to the Credit Union?  Don’t worry!  You can now reorder your checks from the comfort of your home.  Click on the image on right-hand side of the website labeled “Reorder Checks Online.”

You will need to know the Credit Union’s routing number (263182150), your account number and the control number (from the reorder form located in your last order of checks). It’s that easy!