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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 Rural Electric Credit Union Rates & Review April 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: April 19, 2026
Florida Rural Electric Credit Union's 9 month CD rates are at 5.00%. MonitorBankRates evaluates the financial stability of Florida Rural Electric Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.16%. Rates were last updated on 04/19/2026. Florida Rural Electric 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 Rural Electric Credit Union? Share your experience about Florida Rural Electric Credit Union by leaving a review below, or read customer reviews before you decide to use Florida Rural Electric Credit Union. Florida Rural Electric Credit Union
Main Office 2916 Apalachee Pkwy
https://www.frecu.org Tallahassee, FL 32301 3731 
Florida Rural Electric Credit Union CD Rates
Florida Rural Electric Credit Union Mortgage Rates
Florida Rural Electric Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Florida Rural Electric 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 Rural Electric 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 Rural Electric Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Florida Rural Electric Credit Union
Website
https://www.frecu.org
Address
2916 Apalachee Pkwy,
Tallahassee, FL 32301 3731
Phone
850-877-6168
Fax
850-671-6627
President
JOHN BARTLEY
CEO
Thomas Flowers
Full-Time Employees
4
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
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
2.16%
Return on Assets (ROA)
0.1144%
Return on Equity (ROE)
0.5359%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
28,447,029
Total Amount of Shares and Deposits
22,436,994
Total Shares and Deposits < 1 Year
21,376,241
Total Shares and Deposits 1 3 Years
1,060,009
Total Shares and Deposits > 3 Years
743
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
269,417
Total Uninsured Shares and Deposits > $250K (F+J)
269,417
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,167,577
Total Interest Expense (Sum of items 6 8)
71,868
Share Certificates
217
Number of Accounts for Share Drafts
1,606
IRA KEOGH Accounts
21
Number of Accounts for Regular Shares
3,527
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
775,824
Total Liabilities
22,541,263
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Florida Rural Electric Credit UnionIs Florida Rural Electric Credit Union a safe place to deposit money?Yes, Florida Rural Electric Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1619413862104%, 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 Rural Electric Credit Union operate?Florida Rural Electric 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 Rural Electric Credit Union?Yes, to access services at Florida Rural Electric 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 Rural Electric 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 Rural Electric Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Florida Rural Electric Credit Union offer online and mobile banking?Most modern institutions like Florida Rural Electric 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.frecu.org. Compare to Other Credit Unions
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