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FIRELANDS Rates & Review September 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 and Verified: September 22, 2026
FIRELANDS's 6 Month CD rates are at 3.80%, 12 Month IRA CDs rates are at 3.70%, 12 Month CD rates are at 3.70%, 12 Month Smart Saver Youth CDs rates are at 3.70%, Kid's & Teens Club - 12 month rates are at 3.70%. FIRELANDS's savings rates are at 0.25%. FIRELANDS's money market rates are at 1.50%. FIRELANDS's Personal Loan Rates are as low as 15.90%. FIRELANDS's Credit Card Rates are at 12.40%. MonitorBankRates evaluates the financial stability of FIRELANDS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.92%. Rates last updated and verified on 09/22/2026. FIRELANDS 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 FIRELANDS? Share your experience about FIRELANDS by leaving a review below, or read customer reviews before you decide to use FIRELANDS. 
FIRELANDS CD Rates
FIRELANDS Savings Rates
FIRELANDS Money Market Rates
FIRELANDS Checking Rates
FIRELANDS Home Equity & HELOC
FIRELANDS Auto Loan Rates
FIRELANDS RV, Boat and Powersport Loan Rates
FIRELANDS Credit Card Rates
FIRELANDS Personal Loan Rates
FIRELANDS Other Rates
Financial Health HistoryFIRELANDS’s Texas Ratio fell from 6.41% in Q2 2023 to 4.92% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A 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 FIRELANDS 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 FIRELANDS 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 FIRELANDS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FIRELANDS
Website
http://www.firelandsfcu.org
Address
300 North Street,
Bellevue, OH 44811
Phone
800-276-5775
Fax
419-483-0264
President
Kenneth Rospert
CEO
Brett Montague
Full-Time Employees
99
Part-Time Employees
21
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.92%
Return on Assets (ROA)
0.3449%
Return on Equity (ROE)
3.6100%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
569,487,488
Total Amount of Shares and Deposits
516,334,932
Total Shares and Deposits < 1 Year
483,980,309
Total Shares and Deposits 1 3 Years
26,575,066
Total Shares and Deposits > 3 Years
5,779,559
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,737,878
Total Uninsured Shares and Deposits > $250K (F+J)
29,737,878
Total Insured Shares and Deposits > $250K (item 17 less item K)
486,597,054
Total Interest Expense (Sum of items 6 8)
2,637,807
Share Certificates
5,593
Number of Accounts for Share Drafts
22,347
IRA KEOGH Accounts
1,198
Number of Accounts for Regular Shares
52,633
All other shares
1,116
Money Market Shares
1,992
Net Income (unless the amount is already included in Undivided Earnings)
599,357
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)
28,398,660
Total Liabilities
516,161,580
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for FIRELANDS 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.
Add Your Rating and Review for FIRELANDS
Frequently Asked Questions About FIRELANDSHow many branches does FIRELANDS operate?FIRELANDS 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 FIRELANDS?Yes, to access services at FIRELANDS, 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, FIRELANDS 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, FIRELANDS provides members with tools to manage their accounts and build a solid financial history. Does FIRELANDS offer online and mobile banking?Most modern institutions like FIRELANDS 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: http://www.firelandsfcu.org. Current FIRELANDS Rates
Retrieved from our database of financial products. Rates subject to change.
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