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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Bank of Central Florida Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
You can compare Bank of Central Florida rates to other rates in our database, including 12-month CD rates currently at 3.65%, 6-month CD rates at 0.40% and 3-month CD rates at 3.80%. Savings rates are at 0.40% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to Bank of Central Florida rates. MonitorBankRates evaluates the financial stability of Bank of Central Florida with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/23/2026. Bank of Central Florida money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Central Florida? Share your experience about Bank of Central Florida by leaving a review below, or read customer reviews before you decide to use Bank of Central Florida. 
Current Rate AvailabilityWe do not have Bank of Central Florida rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bank of Central Florida is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Bank of Central Florida rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bank of Central Florida's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Bank of Central Florida
Bank Holding Company
BANK OF CENTRAL FL HOLDING CO
Address
5015 S Florida Ave,
Lakeland, FL 33813 · Polk
FDIC Certificate #
58479
Established
03/19/2007
FDIC Insurance Date
03/19/2007
Domestic Offices
6
Total Branches
6
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8780%
Return on Equity (ROE)
12.7200%
Non-Performing Loans (NPL)
0.00%
Total Assets
$1,203,168,000
Total Deposits
$1,095,310,000
Equity Capital
$96,754,000
Net Income
$15,530,000
Headquarters
Lakeland
Total Offices
6
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Bank of Central FloridaIs Bank of Central Florida a safe place to deposit money?Yes, Bank of Central Florida is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Bank of Central Florida operate?Bank of Central Florida currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Bank of Central Florida does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bank of Central Florida provides members with tools to manage their accounts and build a solid financial history. Does Bank of Central Florida offer online and mobile banking?Most modern institutions like Bank of Central Florida provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofcentralflorida.com. Compare to Other Banks
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