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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Firelands 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.
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: October 30, 2026
Firelands Credit Union's CD - 12 month rates are at 4.00%, CD - 6 month rates are at 4.00%, CD - 18 month rates are at 3.75%, CD - 24 month rates are at 3.75%, CD - 30 month rates are at 3.75%. Firelands Credit Union's savings rates are at 3.50%. Firelands Credit Union's money market rates are at 3.00%. Firelands Credit Union's checking rates are as high as 0.25%. Firelands Credit Union's Personal Loan Rates are as low as 15.90%. Firelands Credit Union's Credit Card Rates are at 12.40%. Firelands Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Firelands Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.89%. Rates last updated and verified on 10/30/2026. Firelands 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 Firelands Credit Union? Share your experience about Firelands Credit Union by leaving a review below, or read customer reviews before you decide to use Firelands Credit Union. Firelands Credit Union
Bellevue Branch 300 North Street
http://www.firelandsfcu.org Bellevue, OH 44811  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. Firelands Credit Union CD Rates
Firelands Credit Union Savings Rates
Firelands Credit Union Business Savings Rates
Firelands Credit Union Money Market Rates
Firelands Credit Union Checking Rates
Firelands Credit Union Business Checking Rates
Firelands Credit Union Home Equity & HELOC
Firelands Credit Union Auto Loan Rates
Firelands Credit Union RV, Boat and Powersport Loan Rates
Firelands Credit Union Credit Card Rates
Firelands Credit Union Personal Loan Rates
Firelands Credit Union Other Rates
Financial Health HistoryFirelands Credit Union’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)
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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 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 Firelands 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 Firelands Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Firelands Credit Union
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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Firelands Credit UnionDoes Firelands Credit Union offer CDs?Yes. Firelands Credit Union current CD rates include its CD - 12 month at 4.00% APY, its CD - 6 month at 4.00% APY and its CD - 18 month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Firelands Credit Union NCUA insured?Yes. Firelands Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Firelands Credit Union?The highest Firelands Credit Union CD rate is its IRA CD - 12 month at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Firelands Credit Union offer?Firelands Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 30 month CD and 3.75% 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 Firelands Credit Union for its full lineup. What is the highest savings rate at Firelands Credit Union?The highest Firelands Credit Union savings rate is its Round Up Savings Account at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Firelands Credit Union?The highest Firelands Credit Union money market rate is its Money Market Account at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Firelands Credit Union?The highest Firelands Credit Union checking rate is its Preferred Checking at 0.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Firelands Credit Union?The lowest Firelands Credit Union auto loan rate is its New/Used Automobiles / Trucks / Vans at 5.69%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Firelands Credit Union?The lowest Firelands Credit Union personal loan rate is its Visa Signature with Premium Rewards at 15.90% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Firelands Credit Union?The lowest Firelands Credit Union credit card APR is its Visa Platinum Credit Card at 12.40% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Firelands Credit Union operate?Firelands 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 Firelands Credit Union?Yes, to access services at Firelands 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, Firelands 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, Firelands Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Firelands Credit Union offer online and mobile banking?Most modern institutions like Firelands 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: http://www.firelandsfcu.org. 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 Firelands Credit Union rates compare?Firelands Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. Firelands Credit Union's top rates are its IRA CD - 12 month at 4.00% APY, its Round Up Savings Account at 3.50% APY, its Money Market Account at 3.00% APY, its Preferred Checking at 0.25% APY, its Visa Signature with Premium Rewards at 15.90% APR and its Visa Platinum Credit Card at 12.40% APR, verified by MonitorBankRates on October 30, 2026. Current Firelands Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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