What are the current interest rates at Central Credit Union of Florida?

Current rates for Central Credit Union of Florida include: MMA: 0.72%

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Central Credit Union of Florida

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Central Credit Union of Florida Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Credit Union of Florida 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: May 10, 2026

Central Credit Union of Florida's money market rates are at 0.72%. Central Credit Union of Florida's Personal Loan Rates are at 10.47%. MonitorBankRates evaluates the financial stability of Central Credit Union of Florida with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates were last updated on 05/10/2026.

Central Credit Union of 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 Central Credit Union of Florida? Share your experience about Central Credit Union of Florida by leaving a review below, or read customer reviews before you decide to use Central Credit Union of Florida.

Verified Strong 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

3.55%

Excellent Lower than avg

Central Credit Union of Florida
Home Office

1200 E Nine Mile Rd
Pensacola, FL 32514 1653

https://loyaltycu.org

Central Credit Union of Florida Savings Rates

Product	Rate	APY
Holiday Club	0.30%	0.30%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Vacation Club	0.30%	0.30%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Central Credit Union of Florida Money Market Rates

Product	Rate	APY	View More
Money Market Accounts	0.72%	0.72%
Min Balance $2,500 Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Central Credit Union of Florida Auto Loan Rates

Product	Rate	Points	APR	Term	View More
My First Auto Loan	-	-	10.47%	72
Details Up to $20,000 Financed Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Central Credit Union of Florida Credit Card Rates

Product	Rate	APR
Visa Gold	-	10.90%
Details Fixed Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Visa Classic	-	13.75%
Details Variable, Prime + 7.0% Quarterly Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Visa Credit Builder	-	13.75%
Details Up to $750; Variable, Prime + 7.0% Quarterly Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Visa Share Secured	-	13.75%
Details Variable, Prime + 7.0% Quarterly Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Central Credit Union of Florida 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 Central Credit Union of 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 Central Credit Union of Florida's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Credit Union of Florida

Website https://loyaltycu.org

Address 1200 E Nine Mile Rd, Pensacola, FL 32514 1653

Phone 850-474-0970

Fax

President Dustin Daniels

CEO Park Broome

Full-Time Employees 86

Part-Time Employees 0

Branch Locations 8

ATM Locations 8

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

3.55%

Return on Assets (ROA)

0.7995%

Return on Equity (ROE)

7.1286%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

295,244,067

Total Amount of Shares and Deposits

259,448,279

Total Shares and Deposits < 1 Year

254,331,428

Total Shares and Deposits 1 3 Years

5,116,851

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

259,448,279

Total Interest Expense (Sum of items 6 8)

1,548,017

Share Certificates

1,273

Number of Accounts for Share Drafts

15,073

IRA KEOGH Accounts

237

Number of Accounts for Regular Shares

25,705

Money Market Shares

402

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,207,658

Total Liabilities

261,582,172

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Central Credit Union of Florida earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Central Credit Union of Florida

How many branches does Central Credit Union of Florida operate?

Central Credit Union of Florida 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 Central Credit Union of Florida?

Yes, to access services at Central Credit Union of Florida, 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, Central Credit Union of 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, Central Credit Union of Florida provides members with tools to manage their accounts and build a solid financial history.

Does Central Credit Union of Florida offer online and mobile banking?

Most modern institutions like Central Credit Union of 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://loyaltycu.org.