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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.
 Florida Credit Union Rates & Review March 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: March 23, 2026
Florida Credit Union's 7 month CD & IRA CD Special rates are at 3.90%, 13 month CD & IRA CD Special rates are at 3.75%, CD Specials 13 Month CD rates are at 3.75%, 13 IRA CD rates are at 3.75%, 6 month CD & IRA CD rates are at 3.50%. Florida Credit Union's savings rates are at 0.15%. Florida Credit Union's money market rates are at 0.02%. Florida Credit Union's 5/1 Adjustable Rate Mortgage (ARM) rates are at 5.25%, 30-Year Fixed Interest Mortgage rates are at 6.75%. Florida Credit Union's Personal Loan Rates are at 10.09%. MonitorBankRates evaluates the financial stability of Florida Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.36%. Rates were last updated on 03/23/2026. Florida 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 Credit Union? Share your experience about Florida Credit Union by leaving a review below, or read customer reviews before you decide to use Florida Credit Union. 
Florida Credit Union CD Rates
Florida Credit Union Savings Rates
Florida Credit Union Money Market Rates
Florida Credit Union Checking Rates
Florida Credit Union Mortgage Rates
Florida Credit Union Home Equity & HELOC
Florida Credit Union Credit Card Rates
Florida Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Florida 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Florida Credit Union
Website
https://www.flcu.org
Address
1615 NW 80th Blvd,
Gainesville, FL 32606
Phone
352-377-4141
Fax
352-264-2654
President
Lynn Jones SR
CEO
Mark (CEO) Starr
Full-Time Employees
306
Part-Time Employees
17
Branch Locations
14
ATM Locations
14
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
4.36%
Return on Assets (ROA)
1.1292%
Return on Equity (ROE)
8.7834%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
2,531,262,143
Total Amount of Shares and Deposits
2,135,945,033
Total Shares and Deposits < 1 Year
2,010,717,849
Total Shares and Deposits 1 3 Years
123,389,298
Total Shares and Deposits > 3 Years
1,837,885
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
236,557,867
Total Uninsured Shares and Deposits > $250K (F+J)
236,557,867
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,899,387,166
Total Interest Expense (Sum of items 6 8)
41,140,832
Share Certificates
24,230
Number of Accounts for Share Drafts
127,335
IRA KEOGH Accounts
3,736
Number of Accounts for Regular Shares
185,894
Non Member Deposits
7
Money Market Shares
1,854
Net Income (unless the amount is already included in Undivided Earnings)
28,582,428
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
340,041,032
Total Liabilities
2,205,863,493
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Florida Credit UnionIs Florida Credit Union a safe place to deposit money?Yes, Florida Credit Union is considered a safe financial institution. With a Texas Ratio of 4.3595365355703%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Florida Credit Union operate?Florida 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 Credit Union?Yes, to access services at Florida 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Florida Credit Union offer online and mobile banking?Most modern institutions like Florida 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://www.flcu.org. Current Florida Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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