What are the current interest rates at We Florida Financial Credit Union?

Current rates for We Florida Financial Credit Union include: 12-Month CD: 2.25%, 24-Month CD: 1.01%, 60-Month CD: 1.02%, Savings: 0.50%, MMA: 3.25%

MonitorBankRates

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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We Florida Financial Credit Union

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We Florida Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, We Florida Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

We Florida Financial Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 60 Month Business CD, 0.50% APY on savings, 3.25% APY on money market accounts, 3.25% APY on checking, and personal loans from 11.25% APR, according to rates verified by MonitorBankRates. Other We Florida Financial Credit Union CD rates include 60 Month Business CD at 3.50%, 60 Month Business CD at 3.50%, and 60 Month CD at 3.50%. MonitorBankRates evaluates the financial stability of We Florida Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates last updated and verified on 10/09/2026.

We Florida Financial 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 We Florida Financial Credit Union? Share your experience about We Florida Financial Credit Union by leaving a review below, or read customer reviews before you decide to use We Florida Financial Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

We Florida Financial Credit Union
East Pembroke Pines

9560 Pines Blvd
Pembroke Pines, FL 33024

https://www.wefloridafinancial.com

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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.

We Florida Financial Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD	3.45%	3.50%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.02% → 3.50% ▲ 2.48 pts · high 3.50% / low 1.02% Oct 9, 20263.50%▲ from 1.02% Sep 14, 20261.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 Month CD	3.45%	3.50%	60 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.02% → 3.50% ▲ 2.48 pts · high 3.50% / low 1.02% Oct 9, 20263.50%▲ from 1.02% Sep 14, 20261.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 Month CD	3.45%	3.50%	60 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.02% → 3.50% ▲ 2.48 pts · high 3.50% / low 1.02% Oct 9, 20263.50%▲ from 1.02% Sep 14, 20261.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
7 Month CD	2.86%	2.90%	7 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
7 Month Ultra CD	2.86%	2.90%	7 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month CD	2.81%	2.85%	6 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month Jumbo CD	2.81%	2.85%	6 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month CD	2.72%	2.75%	12 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month IRA CD	2.72%	2.75%	12 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month IRA Jumbo CD	2.72%	2.75%	12 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month Jumbo CD	2.72%	2.75%	12 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month CD	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month CD	2.72%	2.75%	24 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month CD	2.72%	2.75%	24 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
9 Month CD	2.72%	2.75%	9 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
13 Month CD	2.47%	2.50%	13 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
13 Month Ultra CD	2.47%	2.50%	13 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month CD	2.23%	2.25%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month CD	2.23%	2.25%	12 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month CD	2.23%	2.25%	12 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month CD	1.98%	2.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month CD	1.98%	2.00%	6 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month CD	1.98%	2.00%	6 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
7 Month Special CD	1.78%	1.79%	7 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.79% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
30 Month IRA CD	1.53%	1.54%	30 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
36 Month IRA Boost CD	1.51%	1.52%	36 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.52% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 Month IRA CD	1.02%	1.02%	60 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month Boost CD	1.01%	1.01%	24 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
30 Month CD	1.01%	1.01%	30 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
30 Month Jumbo CD	1.01%	1.01%	30 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business CD	3.45%	3.50%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.01% → 3.50% ▲ 2.49 pts · high 3.50% / low 1.01% Oct 9, 20263.50%▲ from 1.01% Sep 14, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 Month Business CD	3.45%	3.50%	60 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.01% → 3.50% ▲ 2.49 pts · high 3.50% / low 1.01% Oct 9, 20263.50%▲ from 1.01% Sep 14, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 Month Business CD	3.45%	3.50%	60 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.01% → 3.50% ▲ 2.49 pts · high 3.50% / low 1.01% Oct 9, 20263.50%▲ from 1.01% Sep 14, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month Business CD	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month Business CD	2.72%	2.75%	24 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 Month Business CD	2.72%	2.75%	24 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month Business CD	2.23%	2.25%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month Business CD	2.23%	2.25%	12 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 Month Business CD	2.23%	2.25%	12 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.25% ▼ 0.50 pts · high 2.75% / low 2.25% Oct 9, 20262.25%▼ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month Business CD	1.98%	2.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month Business CD	1.98%	2.00%	6 Month
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 Month Business CD	1.98%	2.00%	6 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.00% ▼ 0.85 pts · high 2.85% / low 2.00% Oct 9, 20262.00%▼ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.50%	0.50%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Roth IRA Savings	0.50%	0.50%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Club Account	0.15%	0.15%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal: Membership Savings (Required), Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
Min Deposit $100 Min Balance $200 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	3.25%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90% Sep 29, 20263.25%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Checking Rates

Product	Rate	APY
Ultra Checking	-	3.25%
Min Balance $1,500 Details Ultra Checking earns its highest APY on the first $10,000, then 1.25% APY thereafter. Min. Balance to Earn: $1,500. - $6 monthly charge if balance falls below $1,500 - Min. Age: 10 - Active CD Required. - Max 1 Ultra Checking Account per Person. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	1.49%	1.50%
Min Deposit $50 Min Balance $1,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Prime Checking	1.49%	1.50%
Min Deposit $50 Min Balance $1,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
emPower Checking	1.00%	1.00%
Min Deposit $50 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Fabulous 50+ Checking	1.00%	1.00%
Min Deposit $50 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	1.00%	1.00%
Min Deposit $50 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	1.00%	1.00%
Min Deposit $50 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	0.50%	0.50%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	0.45%	0.45%
Min Deposit $0 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Personal Checking	0.40%	0.40%
Min Deposit $10,000 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	1.00%	1.00%
Min Deposit $50 Min Balance $1,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
emPower Business Checking	1.00%	1.00%
Min Deposit $50 Min Balance $1,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line-of-Credit (HELOC)	-	-	7.00%	Up to 240 months
Details Rates and terms subject to change without notice. Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.25%	49 to 78 months
Details The rate quoted is for a well-qualified borrower. Payment Example: Estimated monthly payment on a 78-month auto loan at 5.25% APR = Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 10/6/2026, our floor rate is 4.69%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Used Auto	-	-	5.25%	49 to 78 months
Details The rate quoted is for a well-qualified borrower. Payment Example: Estimated monthly payment on a 78-month auto loan at 5.25% APR = Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 10/6/2026, our floor rate is 4.69%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Used Auto - Older or 100k+ Miles	-	-	9.99%	Up to 36 months
Details Auto with over 100,000 miles or a 2017 model year vehicle or older Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat Loan	-	6.49%	Up to 84 months
Details Payment Example: Estimated monthly payments on an 84-month boat loan at 6.49% = Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New Motorcycle Loan	-	6.49%	Up to 60 months
Details Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.49% = $19.56 at 6.74% = Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Used Motorcycle Loan	-	6.74%	Up to 60 months
Details Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.49% = $19.56 at 6.74% = Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New RV or Conversion Van Loan	-	7.99%	Up to 84 months
Details Payment Example: Estimated monthly payments on an 84-month RV loan at 7.99% = Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.25%	Up to 36 months
Details Payment Example: Estimated monthly payment on a 36-month Live Your Life loan at 11.25% = Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Signature Rewards Card Loan	16.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

We Florida Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Aircraft Loan	-	-	6.49%
Details Rate presented is on an aircraft purchase, for a well-qualified borrower. Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, loan type and credit worthiness. Applicant must meet the WeFF field of membership requirements. Aircraft must be for personal use only, either a piston or turboprop engine, 1960 or newer model, fully assembled and certified for flight and in full compliance with FAA airworthiness directives. Payment Example: Estimated monthly payments on an 84-month loan at 6.49% = Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Platinum Card Loan	-	-	13.15%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Secured Card Loan	-	-	11.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
High Yield Accum	0.45%	-	0.45%
Min Deposit $0 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
High Yield Invest	0.40%	-	0.40%
Min Deposit $10,000 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

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Financial Health History

We Florida Financial Credit Union’s Texas Ratio fell from 5.00% in Q3 2023 to 3.51% in Q2 2026, so its financial health has improved and is now 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; 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$700M	3.51%	5.0	A+
March 31, 2026	$709M	3.48%	5.0	A+
December 31, 2025	$702M	3.60%	5.0	A+
September 30, 2025	$719M	4.14%	5.0	A+
June 30, 2025	$723M	5.77%	5.0	A+
March 31, 2025	$734M	7.24%	5.0	A
December 31, 2024	$744M	8.67%	5.0	A
September 30, 2024	$755M	6.82%	5.0	A
June 30, 2024	$760M	4.53%	5.0	A+
March 31, 2024	$803M	5.35%	5.0	A+
December 31, 2023	$814M	7.17%	5.0	A
September 30, 2023	$803M	5.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for We Florida Financial 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 We Florida Financial 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 We Florida Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name We Florida Financial Credit Union

Website https://www.wefloridafinancial.com

Address 9560 Pines Blvd, Pembroke Pines, FL 33024

Phone 954-515-1512

Fax 954-704-8681

President Mary Ann LaRock

CEO William Spearman

Full-Time Employees 116

Part-Time Employees 0

Branch Locations 6

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.51%

Return on Assets (ROA)

0.2967%

Return on Equity (ROE)

2.7651%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

700,488,878

Total Amount of Shares and Deposits

624,138,526

Total Shares and Deposits < 1 Year

607,851,329

Total Shares and Deposits 1 3 Years

14,684,592

Total Shares and Deposits > 3 Years

1,602,605

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

43,795,846

Total Uninsured Shares and Deposits > $250K (F+J)

43,795,846

Total Insured Shares and Deposits > $250K (item 17 less item K)

580,342,680

Total Interest Expense (Sum of items 6 8)

4,745,898

Share Certificates

7,408

Number of Accounts for Share Drafts

25,409

IRA KEOGH Accounts

1,015

Number of Accounts for Regular Shares

46,467

Money Market Shares

2,814

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)

92,862,875

Total Liabilities

647,520,167

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

We Florida Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About We Florida Financial Credit Union

How many branches does We Florida Financial Credit Union operate?

We Florida Financial 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 We Florida Financial Credit Union?

Yes, to access services at We Florida Financial 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, We Florida Financial 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, We Florida Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does We Florida Financial Credit Union offer online and mobile banking?

Most modern institutions like We Florida Financial 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.wefloridafinancial.com.

Current We Florida Financial Credit Union Rates

12-Month CD2.25%
24-Month CD1.01%
60-Month CD1.02%
Savings0.50%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

We Florida Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

We Florida Financial Credit Union Texas Ratio

We Florida Financial Credit Union Health Trend

We Florida Financial Credit Union CD Rates

We Florida Financial Credit Union Business CD Rates

We Florida Financial Credit Union Savings Rates

We Florida Financial Credit Union Business Savings Rates

We Florida Financial Credit Union Money Market Rates

We Florida Financial Credit Union Checking Rates

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We Florida Financial Credit Union Home Equity & HELOC

We Florida Financial Credit Union Auto Loan Rates

We Florida Financial Credit Union RV, Boat and Powersport Loan Rates

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We Florida Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

We Florida Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About We Florida Financial Credit Union

How many branches does We Florida Financial Credit Union operate?

Is a member application needed to join We Florida Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does We Florida Financial Credit Union offer online and mobile banking?

Current We Florida Financial Credit Union Rates

Compare to Other Credit Unions