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Members First Credit Union of Florida Rates & Review October 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 10, 2026
Members First Credit Union of Florida's top rates as of October 10, 2026 are 2.80% APY on its 60 to 120 month CD, 0.30% APY on savings, 0.25% APY on checking, 6.50% on its 15 Year Fixed Refinance mortgage, personal loans from 6.62% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Members First Credit Union of Florida CD rates include 48 Month CD at 2.75%, 36 Month CD at 2.70%, and 24 Month CD at 2.60%. Other Members First Credit Union of Florida mortgage rates include Accelerate Your Home Loan 10 Year Fixed Refinance (No Closing Costs) at 6.62%. MonitorBankRates evaluates the financial stability of Members First Credit Union of Florida with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.18%. Rates last updated and verified on 10/10/2026. Members First Credit Union of Florida 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 Members First Credit Union of Florida? Share your experience about Members First Credit Union of Florida by leaving a review below, or read customer reviews before you decide to use Members First Credit Union of Florida. Members First Credit Union of Florida
Garden Street Branch and Operations Center 251 W Garden St
http://www.membersfirstfl.org Pensacola, FL 32502-5728  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. Members First Credit Union of Florida CD Rates
Members First Credit Union of Florida Savings Rates
Members First Credit Union of Florida Checking Rates
Members First Credit Union of Florida Mortgage Rates
Members First Credit Union of Florida Home Equity & HELOC
Members First Credit Union of Florida Auto Loan Rates
Members First Credit Union of Florida RV, Boat and Powersport Loan Rates
Members First Credit Union of Florida Credit Card Rates
Members First Credit Union of Florida Personal Loan Rates
Members First Credit Union of Florida Other Rates
Financial Health HistoryMembers First Credit Union of Florida’s Texas Ratio stayed near 1.63% in Q3 2023 to 1.18% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Members First Credit Union of Florida 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 Members First Credit Union of Florida 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 Members First Credit Union of Florida's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members First Credit Union of Florida
Website
http://www.membersfirstfl.org
Address
251 W Garden St,
Pensacola, FL 32502-5728
Phone
850-434-2211
Fax
850-433-8346
President
Clarence Ladner
CEO
Michele Williams
Full-Time Employees
72
Part-Time Employees
9
Branch Locations
7
ATM Locations
6
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
1.18%
Return on Assets (ROA)
0.8305%
Return on Equity (ROE)
5.3958%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
315,777,921
Total Amount of Shares and Deposits
265,495,121
Total Shares and Deposits < 1 Year
257,886,538
Total Shares and Deposits 1 3 Years
6,213,611
Total Shares and Deposits > 3 Years
1,394,972
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,282,717
Total Uninsured Shares and Deposits > $250K (F+J)
21,282,717
Total Insured Shares and Deposits > $250K (item 17 less item K)
244,212,404
Total Interest Expense (Sum of items 6 8)
995,464
Share Certificates
1,331
Number of Accounts for Share Drafts
14,615
IRA KEOGH Accounts
437
Number of Accounts for Regular Shares
22,535
Money Market Shares
18
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)
51,796,109
Total Liabilities
269,090,721
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members First Credit Union of FloridaHow many branches does Members First Credit Union of Florida operate?Members First Credit Union of Florida 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 Members First Credit Union of Florida?Yes, to access services at Members First Credit Union of Florida, 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, Members First Credit Union of Florida 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, Members First Credit Union of Florida provides members with tools to manage their accounts and build a solid financial history. Does Members First Credit Union of Florida offer online and mobile banking?Most modern institutions like Members First Credit Union of Florida 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.membersfirstfl.org. Current Members First Credit Union of Florida Rates
Retrieved from our database of financial products. Rates subject to change.
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