What are the current interest rates at Blue Coast Federal Credit Union?

Current rates for Blue Coast Federal Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 4.08%, 24-Month CD: 3.70%, MMA: 4.00%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Blue Coast Federal Credit Union

iAdvertiser Disclosure

Blue Coast Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Coast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Blue Coast Federal Credit Union's top rates as of October 9, 2026 are 4.15% APY on its 6 Month Commercial CD, 4.00% APY on money market accounts, 7.25% on its Farm/Lawn Equipment mortgage, personal loans from 9.25% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Blue Coast Federal Credit Union CD rates include 13 Month Commercial CD at 4.10%, 18 Month CD at 4.08%, and 1 Year CD at 4.05%. MonitorBankRates evaluates the financial stability of Blue Coast Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.35%. Rates last updated and verified on 10/09/2026.

Blue Coast Federal Credit Union 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 Blue Coast Federal Credit Union? Share your experience about Blue Coast Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Blue Coast Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.35%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Blue Coast Federal Credit Union
BCFCU-Perry

1825 S Jefferson St
Perry, FL 32348-5614

https://www.mybcfcu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Blue Coast Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Share Certificate	4.006%	4.08%	18 Months
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
1 Year Share Certificate	3.977%	4.05%	1 Year
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
13 Month Share Certificate	3.977%	4.05%	13 Month
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
9 Month Share Certificate	3.929%	4.00%	9 Months
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
6 Month Share Certificate	3.88%	3.95%	6 Months
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
2 Year Share Certificate	3.64%	3.70%	2 Years
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
11 Month Share Certificate	3.251%	3.30%	11 Months
Min Deposit $500 Min Balance $1,000 Details Term: 11 Months Special ($500 min. opening deposit); Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. ***11 month certificate starting rate will be corresponding APY from above chart, even if opened after chosen football team has recorded victories, APY will then increase (10 basis points) 0.10% APY with each subsequent selected foo Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
3 Year Share Certificate	2.62%	2.65%	3 Years
Min Balance $1,000 Details Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Business CD Rates

Product	Rate	APY	Term
6 Month Commercial Share Certificate	4.073%	4.15%	6 Month
Min Balance $1,000 Details To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time. Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
13 Month Commercial Share Certificate	4.025%	4.10%	13 Month
Min Balance $1,000 Details To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time. Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. APR=Annual percentage rate. * APY=Annual percentage yield. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Savings Rates

Product	Rate	APY
Student Saver Club	7.72%	8.00%
Details ***Club accounts earn 0.20% APY on balances over the limit amount listed above. This will be a blended rate when the balance exceeds the limit amount listed. Student Saver club will transfer to sub share on 8/1, Christmas Club on 11/1 and Vacation Club on 5/1 of each year. Dividends calculated using average daily balance method. Dividends will be compounded monthly and credited to your account monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure of the Student Saver, Christmas, and/or Vacation Club accounts. Balance: $1,500 or less Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Christmas Club	2.47%	2.50%
Details ***Club accounts earn 0.20% APY on balances over the limit amount listed above. This will be a blended rate when the balance exceeds the limit amount listed. Student Saver club will transfer to sub share on 8/1, Christmas Club on 11/1 and Vacation Club on 5/1 of each year. Dividends calculated using average daily balance method. Dividends will be compounded monthly and credited to your account monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure of the Student Saver, Christmas, and/or Vacation Club accounts. Balance: $2,500 or less Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vacation Club	2.47%	2.50%
Details ***Club accounts earn 0.20% APY on balances over the limit amount listed above. This will be a blended rate when the balance exceeds the limit amount listed. Student Saver club will transfer to sub share on 8/1, Christmas Club on 11/1 and Vacation Club on 5/1 of each year. Dividends calculated using average daily balance method. Dividends will be compounded monthly and credited to your account monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure of the Student Saver, Christmas, and/or Vacation Club accounts. Balance: $2,500 or less Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	3.93%	4.00%
Min Balance $10,000 Details Balance: $10,000 or more Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Farm/Lawn Equipment	-	-	7.25%	120 months
Details Term: Farm Equipment Up To 120 months; Lawn Equipment Up To 84 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto	-	-	3.89%	up to 24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	3.89%	25-36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	3.89%	37-48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	3.89%	49-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	4.59%	61-72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	5.29%	73-84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 5.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
New & Used Auto	-	-	6.50%	85-96 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats/RVs Loan	-	5.50%	up to 84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Boats/RVs Loan	-	6.75%	85-144 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
ATV's/UTV's Loan	-	7.75%	up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Golf Carts Loan	-	9.25%	up to 24 Months
Details 10% Down Payment Req.; Age + Term = 8 yrs. Max; $10,000 Max Loan Amount Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Golf Carts Loan	-	11.50%	25-36 Months
Details 10% Down Payment Req.; Age + Term = 8 yrs. Max; $10,000 Max Loan Amount Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Golf Carts Loan	-	13.50%	37-48 Months
Details 10% Down Payment Req.; Age + Term = 8 yrs. Max; $10,000 Max Loan Amount Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Golf Carts Loan	-	14.75%	49-60 Months
Details 10% Down Payment Req.; Age + Term = 8 yrs. Max; $10,000 Max Loan Amount Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA CLASSIC CREDIT CARD	-	9.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
VISA SECURED CREDIT CARD	-	9.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
VISA PLATINUM REWARDS CREDIT CARD	-	13.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal (Signature) Loan	9.25%	up to 24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal (Signature) Loan	11.75%	25-36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal (Signature) Loan	12.75%	37-48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Personal (Signature) Loan	14.75%	49-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Blue Coast Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
90 Day Loan	-	-	14.75%	90 Days
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Consumer Loan	-	-	9.25%	60 Months
Details Max = $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Kwik Kash Loan	-	-	12.50%
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Vacant Land Loan	-	-	8.95%
Details 90% LTV - 12 yrs. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Blue Coast Federal Credit Union’s Texas Ratio stayed near 3.60% in Q3 2023 to 3.35% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$189M	3.35%	5.0	A+
March 31, 2026	$170M	0.72%	5.0	A+
December 31, 2025	$163M	4.76%	5.0	A+
September 30, 2025	$164M	4.17%	5.0	A+
June 30, 2025	$167M	3.23%	5.0	A+
March 31, 2025	$167M	2.73%	5.0	A+
December 31, 2024	$165M	5.74%	5.0	A+
September 30, 2024	$156M	6.91%	5.0	A
June 30, 2024	$149M	4.36%	5.0	A+
March 31, 2024	$144M	4.78%	5.0	A+
December 31, 2023	$142M	4.05%	5.0	A+
September 30, 2023	$140M	3.60%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Blue Coast Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Blue Coast Federal Credit Union 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 Blue Coast Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blue Coast Federal Credit Union

Website https://www.mybcfcu.com

Address 1825 S Jefferson St, Perry, FL 32348-5614

Phone 850-223-7100

Fax 850-223-7191

President David Sullivan

CEO Jay Blake

Full-Time Employees 35

Part-Time Employees 7

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.35%

Return on Assets (ROA)

0.3554%

Return on Equity (ROE)

3.6721%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

188,523,385

Total Amount of Shares and Deposits

167,769,556

Total Shares and Deposits < 1 Year

153,901,108

Total Shares and Deposits 1 3 Years

13,381,582

Total Shares and Deposits > 3 Years

486,867

Total Insured Shares and Deposits > $250K (item 17 less item K)

167,769,556

Total Interest Expense (Sum of items 6 8)

1,152,387

Share Certificates

906

Number of Accounts for Share Drafts

6,442

IRA KEOGH Accounts

281

Number of Accounts for Regular Shares

11,089

All other shares

1,198

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,433,390

Total Liabilities

169,941,485

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Blue Coast Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/blue-coast-federal-credit-union-rates-review-11154">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Blue Coast Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Blue Coast Federal Credit Union

Frequently Asked Questions About Blue Coast Federal Credit Union

How many branches does Blue Coast Federal Credit Union operate?

Blue Coast Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Blue Coast Federal Credit Union?

Yes, to access services at Blue Coast Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Blue Coast Federal Credit Union 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, Blue Coast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Blue Coast Federal Credit Union offer online and mobile banking?

Most modern institutions like Blue Coast Federal Credit Union 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.mybcfcu.com.

Current Blue Coast Federal Credit Union Rates

12-Month CD3.30%
18-Month CD4.08%
24-Month CD3.70%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Blue Coast Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Blue Coast Federal Credit Union Texas Ratio

Blue Coast Federal Credit Union Health Trend

Blue Coast Federal Credit Union CD Rates

Blue Coast Federal Credit Union Business CD Rates

Blue Coast Federal Credit Union Savings Rates

Blue Coast Federal Credit Union Business Money Market Rates

Blue Coast Federal Credit Union Mortgage Rates

Blue Coast Federal Credit Union Auto Loan Rates

Blue Coast Federal Credit Union RV, Boat and Powersport Loan Rates

Blue Coast Federal Credit Union Credit Card Rates

Blue Coast Federal Credit Union Personal Loan Rates

Blue Coast Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Blue Coast Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Blue Coast Federal Credit Union

How many branches does Blue Coast Federal Credit Union operate?

Is a member application needed to join Blue Coast Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Blue Coast Federal Credit Union offer online and mobile banking?

Current Blue Coast Federal Credit Union Rates

Compare to Other Credit Unions