|
iAdvertiser Disclosure
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.
FLORENCE 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
FLORENCE's savings rates are at 0.35%. FLORENCE's Personal Loan Rates are as low as 9.50%. FLORENCE's Credit Card Rates are at 8.99%. MonitorBankRates evaluates the financial stability of FLORENCE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.19%. Rates last updated and verified on 09/22/2026. FLORENCE 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 FLORENCE? Share your experience about FLORENCE by leaving a review below, or read customer reviews before you decide to use FLORENCE. 
FLORENCE Savings Rates
FLORENCE Auto Loan Rates
FLORENCE RV, Boat and Powersport Loan Rates
FLORENCE Credit Card Rates
FLORENCE Personal Loan Rates
FLORENCE Other Rates
Financial Health HistoryFLORENCE’s Texas Ratio stayed near 2.68% in Q2 2023 to 2.19% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
Powered by
MonitorBankRates
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 FLORENCE 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 FLORENCE 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 FLORENCE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FLORENCE
Website
http://ffcuonline.com
Address
1505 N Pine St,
Florence, AL 35630-2285
Phone
256-767-4700
Fax
256-766-7414
President
Randy Pettus
CEO
Lisa Eckl
Full-Time Employees
18
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.19%
Return on Assets (ROA)
0.0659%
Return on Equity (ROE)
0.4787%
Non-Performing Loans Ratio (NPL)
0.78%
Total Assets
66,563,484
Total Amount of Shares and Deposits
57,895,162
Total Shares and Deposits < 1 Year
46,045,671
Total Shares and Deposits 1 3 Years
7,690,060
Total Shares and Deposits > 3 Years
4,159,431
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,909,086
Total Uninsured Shares and Deposits > $250K (F+J)
3,909,086
Total Insured Shares and Deposits > $250K (item 17 less item K)
53,986,076
Total Interest Expense (Sum of items 6 8)
211,339
Share Certificates
257
Number of Accounts for Share Drafts
2,197
IRA KEOGH Accounts
196
Number of Accounts for Regular Shares
4,371
Money Market Shares
91
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)
1,191,844
Total Liabilities
58,180,665
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for FLORENCE 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 FLORENCE
Frequently Asked Questions About FLORENCEHow many branches does FLORENCE operate?FLORENCE 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 FLORENCE?Yes, to access services at FLORENCE, 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, FLORENCE 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, FLORENCE provides members with tools to manage their accounts and build a solid financial history. Does FLORENCE offer online and mobile banking?Most modern institutions like FLORENCE 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://ffcuonline.com. Current FLORENCE Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
IBEW 141 Federal Credit Union
Scott and White Employees Credit Union
Lone Star Credit Union
Assemblies Of God Credit Union
Midwest Community Federal Credit Union
Bakersfield City Employees Federal Credit Union
Garden Island Federal Credit Union
Walker County Educators Federal Credit Union
Rocky Mountain Law Enforcement Federal Credit Union
Public Service Credit Union
One Community Federal Credit Union
Puerto Rico Federal Credit Union
1st Street Credit Union
Travis Credit Union
Arize Federal Credit Union
Telhio Credit Union
MULTIPLI
Snocope Credit Union
Alltrust Credit Union
MOPAC Employees Federal Credit Union
Eastern Indiana Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
