|
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.
Members First Credit Union of Florida 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
Members First Credit Union of Florida's CDs of Deposit - 12 month rates are at 2.50%, CDs of Deposit - 6 month rates are at 2.00%, CDs of Deposit - 3 month rates are at 0.90%, CDs of Deposit - 1 Month rates are at 0.25%, Bump-Up CD of Deposit - 48 month rates are at 2.75%. Members First Credit Union of Florida's savings rates are at 0.30%. Members First Credit Union of Florida's checking rates are as high as 0.25%. Members First Credit Union of Florida's 15 Year Fixed Refinance rates are at 6.62%, 5 Year ARM rates are at 6.62%, Accelerate Your Home Loan - 10 Year Fixed Refinance (No Closing Costs) rates are at 6.62%. Members First Credit Union of Florida's Personal Loan Rates are as low as 7.95%. Members First Credit Union of Florida's Credit Card Rates are at 10.90%. Members First Credit Union of Florida's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026. 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
Be the first to review
Write a Review
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 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
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 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
There are no reviews for Members First Credit Union of Florida 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 Members First Credit Union of Florida
Frequently Asked Questions About Members First Credit Union of FloridaDoes Members First Credit Union of Florida offer CDs?Yes. Members First Credit Union of Florida current CD rates include its Bump-Up CD of Deposit - 48 month at 2.75% APY, its CDs of Deposit - 12 month at 2.50% APY and its CDs of Deposit - 6 month at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Members First Credit Union of Florida NCUA insured?Yes. Members First Credit Union of Florida 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 Members First Credit Union of Florida?The highest Members First Credit Union of Florida CD rate is its Bump-Up CD of Deposit - 48 month at 2.75% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Members First Credit Union of Florida offer?Members First Credit Union of Florida CD rates are 0.25% APY for a 1 month CD, 0.90% APY for a 3 month CD, 2.00% APY for a 6 month CD, 2.50% APY for a 12 month CD, 2.60% APY for a 2 year CD and 2.75% APY for a 4 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 Members First Credit Union of Florida for its full lineup. What is the highest savings rate at Members First Credit Union of Florida?The highest Members First Credit Union of Florida savings rate is its Summer Savings at 0.30% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Members First Credit Union of Florida?The highest Members First Credit Union of Florida checking rate is its Select Checking at 0.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at Members First Credit Union of Florida?The lowest Members First Credit Union of Florida mortgage rate is its 15 Year Fixed Refinance at 6.625% APR, verified by MonitorBankRates as of October 30, 2026. Members First Credit Union of Florida mortgage rates are 6.625% APR for a 15 year mortgage, 6.625% APR for a 10 year mortgage and 6.625% APR for a 5 year mortgage. What is the lowest auto loan rate at Members First Credit Union of Florida?The lowest Members First Credit Union of Florida auto loan rate is its Auto/Vehicle Loan - New Vehicle at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Members First Credit Union of Florida?The lowest Members First Credit Union of Florida credit card APR is its Credit Cards at 10.90% APR, verified by MonitorBankRates as of October 30, 2026. How 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. 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 Members First Credit Union of Florida rates compare?Members First Credit Union of Florida's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. Members First Credit Union of Florida's top rates are its Bump-Up CD of Deposit - 48 month at 2.75% APY, its Summer Savings at 0.30% APY, its Select Checking at 0.25% APY, its 15 Year Fixed Refinance at 6.625%, its Debt Consolidation Loan at 7.95% APR and its Credit Cards at 10.90% APR, verified by MonitorBankRates on October 30, 2026. Current Members First Credit Union of Florida Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Banner Federal Credit Union
Kellogg Memphis Employees Federal Credit Union
Alhambra Credit Union
Indianhead Credit Union
FinancialEdge Community Credit Union
ILA Local 1235 Federal Credit Union
Via Credit Union
Pima Federal Credit Union
Act 1st Federal Credit Union
GRANCO Federal Credit Union
Erie County Employees Credit Union
Arkansas Federal Credit Union
Cincinnati Employees Credit Union
NW Preferred Federal Credit Union
Suwannee River Credit Union
PHB Employees Federal Credit Union
ELCO Federal Credit Union
Transit Workers Federal Credit Union
Bell Credit Union
Illinois Valley Credit Union
Velocity Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
