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Advertiser Disclosure
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 Florida Central 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
Florida Central Credit Union's 15 Month Promotional CDs - Regular and IRA rates are at 4.25%, CD - Regular and IRA: 15 month rates are at 4.25%, 11 Month Promotional CD - Regular and IRA rates are at 4.00%, CD - Regular and IRA: 11 month rates are at 4.00%, 9 Month Promotional CDs - Regular and IRA rates are at 3.75%. Florida Central Credit Union's savings rates are at 0.21%. Florida Central Credit Union's money market rates are at 1.25%. Florida Central Credit Union's checking rates are as high as 2.00%. Florida Central Credit Union's Mortgage 15-Year Fixed rates are at 6.00%, Mortgage 10-Year Fixed rates are at 5.88%, Mortgage 20-Year Fixed rates are at 6.12%, Mortgage 30-Year Fixed rates are at 6.25%. Florida Central Credit Union's Personal Loan Rates are as low as 10.50%. Florida Central Credit Union's Credit Card Rates are at 9.49%. Florida Central Credit Union's CD rates are 59% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Florida Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.46%. Rates last updated and verified on 10/30/2026. Florida Central 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 Florida Central Credit Union? Share your experience about Florida Central Credit Union by leaving a review below, or read customer reviews before you decide to use Florida Central Credit Union. Florida Central Credit Union
Main Office 3333 Henderson Blvd
https://floridacentralcu.com Tampa, FL 33609-2955  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. Florida Central Credit Union CD Rates
Florida Central Credit Union Savings Rates
Florida Central Credit Union Business Savings Rates
Florida Central Credit Union Money Market Rates
Florida Central Credit Union Checking Rates
Florida Central Credit Union Mortgage Rates
Florida Central Credit Union Home Equity & HELOC
Florida Central Credit Union Auto Loan Rates
Florida Central Credit Union RV, Boat and Powersport Loan Rates
Florida Central Credit Union Credit Card Rates
Florida Central Credit Union Personal Loan Rates
Florida Central Credit Union Other Rates
Financial Health HistoryFlorida Central Credit Union’s Texas Ratio stayed near 5.60% in Q3 2023 to 5.46% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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 Florida Central 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 Florida Central 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 Florida Central Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Florida Central Credit Union
Website
https://floridacentralcu.com
Address
3333 Henderson Blvd,
Tampa, FL 33609-2955
Phone
813-879-3333
Fax
President
Braton Cole
CEO
Linh Dang
Full-Time Employees
133
Part-Time Employees
12
Branch Locations
13
ATM Locations
16
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.46%
Return on Assets (ROA)
0.0881%
Return on Equity (ROE)
1.1252%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
621,766,385
Total Amount of Shares and Deposits
588,955,279
Total Shares and Deposits < 1 Year
585,565,844
Total Shares and Deposits 1 3 Years
3,078,229
Total Shares and Deposits > 3 Years
311,205
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,508,884
Total Uninsured Shares and Deposits > $250K (F+J)
29,508,884
Total Insured Shares and Deposits > $250K (item 17 less item K)
559,446,395
Total Interest Expense (Sum of items 6 8)
3,718,150
Share Certificates
3,785
Number of Accounts for Share Drafts
25,714
IRA KEOGH Accounts
1,034
Number of Accounts for Regular Shares
87,535
All other shares
302
Non Member Deposits
5
Money Market Shares
571
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)
55,884,874
Total Liabilities
594,617,144
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Florida Central Credit UnionDoes Florida Central Credit Union offer CDs?Yes. Florida Central Credit Union current CD rates include its 15 Month Promotional CDs - Regular and IRA at 4.25% APY, its CD - Regular and IRA: 15 month at 4.25% APY and its 11 Month Promotional CD - Regular and IRA at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Florida Central Credit Union NCUA insured?Yes. Florida Central 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 Florida Central Credit Union?The highest Florida Central Credit Union CD rate is its 15 Month Promotional CDs - Regular and IRA at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Florida Central Credit Union offer?Florida Central Credit Union CD rates are 3.75% APY for a 9 month CD, 4.00% APY for an 11 month CD, 0.21% APY for a 12 month CD, 4.25% APY for a 15 month CD, 0.26% APY for an 18 month CD, 2.75% APY for a 2 year CD and 0.46% 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 Florida Central Credit Union for its full lineup. What is the highest savings rate at Florida Central Credit Union?The highest Florida Central Credit Union savings rate is its IRA Savings at 0.21% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Florida Central Credit Union?The highest Florida Central Credit Union money market rate is its Mega Money Market at 1.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Florida Central Credit Union?The highest Florida Central Credit Union checking rate is its Interest Checking at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Florida Central Credit Union?The lowest Florida Central Credit Union 30 year fixed mortgage rate is its Mortgage 30-Year Fixed at 6.25%, verified by MonitorBankRates as of October 30, 2026. Florida Central Credit Union mortgage rates are 6.25% for a 30 year mortgage, 6.125% for a 20 year mortgage, 6.00% for a 15 year mortgage and 5.875% for a 10 year mortgage. What is the lowest auto loan rate at Florida Central Credit Union?The lowest Florida Central Credit Union auto loan rate is its Auto Loans - Car - New at 5.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Florida Central Credit Union?The lowest Florida Central Credit Union personal loan rate is its Personal Line of Credit at 10.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Florida Central Credit Union?The lowest Florida Central Credit Union credit card APR is its Classic Credit Card at 9.49% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Florida Central Credit Union operate?Florida Central 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 Florida Central Credit Union?Yes, to access services at Florida Central 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, Florida Central 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, Florida Central Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Florida Central Credit Union offer online and mobile banking?Most modern institutions like Florida Central 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://floridacentralcu.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 Florida Central Credit Union rates compare?Florida Central Credit Union's CD rates are 59% lower than the MonitorBankRates national average, and it has an A+ health rating. Florida Central Credit Union's top rates are its 15 Month Promotional CDs - Regular and IRA at 4.25% APY, its IRA Savings at 0.21% APY, its Mega Money Market at 1.25% APY, its Interest Checking at 2.00% APY, its Mortgage 10-Year Fixed at 5.875%, its Personal Line of Credit at 10.50% APR and its Classic Credit Card at 9.49% APR, verified by MonitorBankRates on October 30, 2026. Current Florida Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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