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 Faith Community United Credit Union Rates & Review November 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.
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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 and Verified: October 30, 2026
Faith Community United Credit Union's CDs of Deposits - 5 year rates are at 3.03%, CDs of Deposits - 4 year rates are at 2.78%, CDs of Deposits - 3 year rates are at 2.32%, CDs of Deposits - 2 year rates are at 2.22%, CDs of Deposits - 1 year rates are at 1.76%. Faith Community United Credit Union's savings rates are at 0.05%. Faith Community United Credit Union's Personal Loan Rates are as low as 11.99%. Faith Community United Credit Union's Credit Card Rates are at 9.90%. Faith Community United Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Faith Community United Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.64%. Rates last updated and verified on 10/30/2026. Faith Community United 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 Faith Community United Credit Union? Share your experience about Faith Community United Credit Union by leaving a review below, or read customer reviews before you decide to use Faith Community United Credit Union. Faith Community United Credit Union
faith community united credit union 3550 e 93RD ST
https://www.faithcommcu.com cleveland, OH 44105-1644 Privately insuredNot NCUA Customer Reviews
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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. Faith Community United Credit Union CD Rates
Faith Community United Credit Union Savings Rates
Faith Community United Credit Union Auto Loan Rates
Faith Community United Credit Union Credit Card Rates
Faith Community United Credit Union Personal Loan Rates
Faith Community United Credit Union Other Rates
Financial Health HistoryFaith Community United Credit Union’s Texas Ratio fell from 17.97% in Q3 2023 to 6.64% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Faith Community United 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 Faith Community United 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 Faith Community United Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Faith Community United Credit Union
Website
https://www.faithcommcu.com
Address
3550 e 93RD ST,
cleveland, OH 44105-1644
Phone
216-271-7111
Fax
216-271-7488
President
Carl Kirkland
CEO
JACQUELINE MOORE
Full-Time Employees
6
Part-Time Employees
6
Branch Locations
1
ATM Locations
0
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.64%
Return on Assets (ROA)
0.0543%
Return on Equity (ROE)
0.1895%
Non-Performing Loans Ratio (NPL)
4.92%
Total Assets
14,186,360
Total Amount of Shares and Deposits
10,195,640
Total Shares and Deposits < 1 Year
8,852,705
Total Shares and Deposits 1 3 Years
514,262
Total Shares and Deposits > 3 Years
828,673
Total Interest Expense (Sum of items 6 8)
26,071
Share Certificates
44
Number of Accounts for Share Drafts
947
IRA KEOGH Accounts
6
Number of Accounts for Regular Shares
2,931
All other shares
176
Non Member Deposits
10
Net Income (unless the amount is already included in Undivided Earnings)
7,701
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)
1,358,243
Total Liabilities
10,320,948
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Faith Community United Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Faith Community United Credit Union
Frequently Asked Questions About Faith Community United Credit UnionDoes Faith Community United Credit Union offer CDs?Yes. Faith Community United Credit Union current CD rates include its CDs of Deposits - 5 year at 3.034% APY, its CDs of Deposits - 4 year at 2.779% APY and its CDs of Deposits - 3 year at 2.32% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Faith Community United Credit Union NCUA insured?No. Faith Community United Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Faith Community United Credit Union?The highest Faith Community United Credit Union CD rate is its CDs of Deposits - 5 year at 3.034% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Faith Community United Credit Union offer?Faith Community United Credit Union CD rates are 1.762% APY for a 12 month CD, 2.22% APY for a 2 year CD, 2.32% APY for a 3 year CD, 2.779% APY for a 4 year CD and 3.034% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Faith Community United Credit Union for its full lineup. What is the highest savings rate at Faith Community United Credit Union?The highest Faith Community United Credit Union savings rate is its Christmas Club, Vacation Club, Miscellaneous Savings Acount at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Faith Community United Credit Union?The lowest Faith Community United Credit Union auto loan rate is its New/Used Vehicles, Motorcycles & RV's Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Faith Community United Credit Union?The lowest Faith Community United Credit Union personal loan rate is its Signature Loan at 11.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Faith Community United Credit Union?The lowest Faith Community United Credit Union credit card APR is its Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Faith Community United Credit Union operate?Faith Community United 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 Faith Community United Credit Union?Yes, to access services at Faith Community United 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, Faith Community United 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, Faith Community United Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Faith Community United Credit Union offer online and mobile banking?Most modern institutions like Faith Community United 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.faithcommcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Faith Community United Credit Union rates compare?Faith Community United Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A health rating. Faith Community United Credit Union's top rates are its CDs of Deposits - 5 year at 3.034% APY, its Christmas Club, Vacation Club, Miscellaneous Savings Acount at 0.05% APY, its Signature Loan at 11.99% APR and its Platinum Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026. Current Faith Community United Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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