What are the current interest rates at FIRELANDS?

Current rates for FIRELANDS include: 12-Month CD: 4.00%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 3.50%, MMA: 3.00%

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FIRELANDS Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

FIRELANDS's top rates as of October 10, 2026 are 5.90% APY on its Smart Saver Youth CDs CD, 3.50% APY on savings, 3.00% APY on money market accounts, 0.25% APY on checking, personal loans from 15.90% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other FIRELANDS CD rates include IRA CD - 12 month at 4.00%, Kid's & Teens Club - 12 month at 4.00%, and CDs - 12 month at 4.00%. MonitorBankRates evaluates the financial stability of FIRELANDS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.89%. Rates last updated and verified on 10/10/2026.

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.

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

4.89%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FIRELANDS
Bellevue Branch

300 North Street
Bellevue, OH 44811

http://www.firelandsfcu.org

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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.

FIRELANDS CD Rates

Product	Rate	APY	Term
IRA Certificate - 12 month	3.92%	4.00%	12 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Kid's & Teens Club - 12 month	3.92%	4.00%	12 months
Min Deposit $100 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 12 month	3.92%	4.00%	12 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 6 month	3.92%	4.00%	6 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 10, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Smart Saver Youth Share Certificates - 12 month	3.92%	4.00%	12 months
Min Deposit $500 Details Age: 0-12; Bonus rate: Plus Age Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Smart Saver Youth Share Certificates - 12 month	3.92%	4.00%	12 months
Min Deposit $1,000 Details Age: 13-17; Bonus rate: Plus Age Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 18 month	3.68%	3.75%	18 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 10, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 24 month	3.68%	3.75%	24 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 10, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 30 month	3.68%	3.75%	30 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 10, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 36 month	3.68%	3.75%	36 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 48 month	3.68%	3.75%	48 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Certificate - 60 month	3.68%	3.75%	60 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Kid's & Teens Club - 24 month	3.68%	3.75%	24 months
Min Deposit $100 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 10, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 18 month	3.68%	3.75%	18 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 10, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 24 month	3.68%	3.75%	24 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 10, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 30 month	3.68%	3.75%	30 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 10, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 36 month	3.68%	3.75%	36 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 48 month	3.68%	3.75%	48 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Share Certificates - 60 month	3.68%	3.75%	60 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 10, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Savings Rates

Product	Rate	APY
Smart Saver Youth Share Certificates	5.90%	5.90%
Details Age: 15; $20,000 maximum per youth. Dividends compounded and paid quarterly. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.20% → 5.90% ▲ 0.70 pts · high 5.90% / low 5.20% Sep 18, 20265.90%▲ from 5.20% Sep 14, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Smart Saver Youth Share Certificates	5.20%	5.20%
Details Age: 8; $20,000 maximum per youth. Dividends compounded and paid quarterly. Penalty for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Round Up Savings Account	-	3.50%
Min Balance $25 Details Balance: $25.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Name Your Savings	-	1.00%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Round Up Savings Account	-	0.25%
Min Balance $0 Details Balance: $0.01 - $24.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Youth Savings Account	-	0.25%
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Money Market Rates

Product	Rate	APY
Money Market Account	-	3.00%
Min Balance $50,000 Details Balance: $50,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Money Market Account	-	2.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Money Market Account	-	1.50%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Checking Rates

Product	Rate	APY
Preferred Checking	-	0.25%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Preferred Checking	-	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0.01-1,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Business Checking Rates

Product	Rate	APY	View More
Preferred Business Checking	-	0.10%
Min Deposit $50 Details Balance: Any Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	7.50%	20 years
Details Loan to Value: Up to 80%; As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Home Equity Line of Credit (HELOC)	-	-	8.25%	20 years
Details Loan to Value: 80.01% - 90%; As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Automobiles / Trucks / Vans	5.69%	-	6.10%	Up to 36 months
Details As low as; Rate: 5.69% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
New/Used Automobiles / Trucks / Vans	6.34%	-	6.60%	Up to 60 months
Details As low as; Rate: 6.34% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
New/Used Automobiles / Trucks / Vans	6.69%	-	6.90%	Up to 75 months
Details As low as; Rate: 6.69% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
New/Used Automobiles / Trucks / Vans	7.69%	-	7.84%	Up to 84 months
Details As low as; Rate: 7.69% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used RVs / Campers / Boats (less than 7 years old) Loan	7.24%	7.28%	Up to 240 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
New/Used RVs / Campers / Boats (less than 7 years old) Loan	7.49%	7.592%	Up to 180 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Motorcycles Loan	7.49%	7.712%	Up to 72 months
Details As low as; Rate: 7.49% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.71% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.40%
Details Published APR range: 12.40% - 18.00%. When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 12.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Visa Platinum with Rewards	-	13.40%
Details Published APR range: 13.40% - 18.00%. When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 13.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Visa Signature with Premium Rewards	-	15.90%
Details Published APR range: 15.90% - 18.00%. When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 15.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Visa Platinum Secured	-	15.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 15.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Personal Loan Rates

Product	APR	Term	View More
Visa Signature with Premium Rewards	15.90%
Details Published APR range: 15.90% - 18.00%. When you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 15.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

FIRELANDS Other Rates

Product	Rate	Points	APY/APR	Term
SMART Loans	28.00%	-	28.00%	Up to 12 months
Details Amount up to $2,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
All other Share Accounts	-	-	0.25%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Business Prime Share	-	-	0.25%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Escrow Share Account	-	-	0.25%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	1.50%
Min Balance $100 Details Balance: $100.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	2.25%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	3.00%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	1.04%
Min Balance $0 Details Balance: $0.01 - $499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	1.09%
Min Balance $500 Details Balance: $500.00 - $1,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
IRA Share Account	-	-	1.19%
Min Balance $1,500 Details Balance: $1,500.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.19% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

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

FIRELANDS’s Texas Ratio fell from 7.09% in Q3 2023 to 4.89% in Q2 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)

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	$580M	4.89%	5.0	A+
March 31, 2026	$569M	4.92%	5.0	A+
December 31, 2025	$555M	5.76%	5.0	A+
September 30, 2025	$541M	5.40%	5.0	A+
June 30, 2025	$528M	5.42%	5.0	A+
March 31, 2025	$517M	4.78%	5.0	A+
December 31, 2024	$496M	7.06%	5.0	A
September 30, 2024	$477M	6.18%	5.0	A
June 30, 2024	$470M	5.35%	5.0	A+
March 31, 2024	$459M	5.39%	5.0	A+
December 31, 2023	$451M	7.37%	5.0	A
September 30, 2023	$439M	7.09%	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 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 97

Part-Time Employees 24

Branch Locations 8

ATM Locations 7

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

4.89%

Return on Assets (ROA)

0.5732%

Return on Equity (ROE)

5.9602%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

579,870,392

Total Amount of Shares and Deposits

525,084,825

Total Shares and Deposits < 1 Year

492,426,165

Total Shares and Deposits 1 3 Years

26,938,987

Total Shares and Deposits > 3 Years

5,719,672

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

33,294,283

Total Uninsured Shares and Deposits > $250K (F+J)

33,294,283

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

491,790,542

Total Interest Expense (Sum of items 6 8)

5,366,544

Share Certificates

5,750

Number of Accounts for Share Drafts

22,619

IRA KEOGH Accounts

1,196

Number of Accounts for Regular Shares

53,405

All other shares

1,364

Money Market Shares

2,151

Net Income (unless the amount is already included in Undivided Earnings)

665,100

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)

13,889,258

Total Liabilities

525,231,725

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FIRELANDS earned the Verified Healthy badge

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Frequently Asked Questions About FIRELANDS

How 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

12-Month CD4.00%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.75%
Savings3.50%
MMA3.00%

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

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FIRELANDS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FIRELANDS Texas Ratio

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FIRELANDS Money Market Rates

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FIRELANDS Business Checking Rates

FIRELANDS Home Equity & HELOC

FIRELANDS Auto Loan Rates

FIRELANDS RV, Boat and Powersport Loan Rates

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FIRELANDS Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FIRELANDS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FIRELANDS

How many branches does FIRELANDS operate?

Is a member application needed to join FIRELANDS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FIRELANDS offer online and mobile banking?

Current FIRELANDS Rates

Compare to Other Credit Unions