What are the current interest rates at Baptist Health South Florida Federal Credit Union?

Current rates for Baptist Health South Florida Federal Credit Union include: 12-Month CD: 3.15%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.40%, Savings: 1.50%, MMA: 2.75%

MonitorBankRates

☰

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

Home›
Credit Unions›
Baptist Health South Florida Federal Credit Union

iAdvertiser Disclosure

Baptist Health South Florida Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Baptist Health South Florida Federal 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

Baptist Health South Florida Federal Credit Union's top rates as of October 9, 2026 are 3.60% APY on its 12 month IRA CD, 1.50% APY on savings, 2.75% APY on money market accounts, 0.20% APY on checking, and personal loans from 9.95% APR, according to rates verified by MonitorBankRates. Other Baptist Health South Florida Federal Credit Union CD rates include 60 Month CD at 3.60%, 48 Month CD at 3.55%, and 36 Month CD at 3.50%. MonitorBankRates evaluates the financial stability of Baptist Health South Florida Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 10/09/2026.

Baptist Health South Florida Federal 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 Baptist Health South Florida Federal Credit Union? Share your experience about Baptist Health South Florida Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Baptist Health South Florida Federal 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

3.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Baptist Health South Florida Federal Credit Union
Administrative Office

13200 SW 128th St
Miami, FL 33186

https://www.bhsffcu.org

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.

Baptist Health South Florida Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month IRA	3.54%	3.60%	12 Months
Min Balance $500 Details Early Withdrawal Penalty: 30 Days Interest Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
60 Month Certificate	3.54%	3.60%	60 months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
48 Month Certificate	3.50%	3.55%	48 months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
36 Month Certificate	3.45%	3.50%	36 months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
48 Month Certificate	3.44%	3.50%	48 Months
Min Balance $500 Details Balance: $500 or more; Early Withdrawal Penalty: 120 Days Interest Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45% Oct 9, 20263.50%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
60 Month Certificate	3.45%	3.50%	60 months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
24 Month Certificate	3.40%	3.45%	24 months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
48 Month Certificate	3.40%	3.45%	48 months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
18 Month Certificate	3.35%	3.40%	18 Months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
36 Month Certificate	3.35%	3.40%	36 months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
60 Month Certificate	3.35%	3.40%	60 months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Individual Retirement Accounts (IRA) - 24 month	3.34%	3.40%	24 Months
Min Balance $500 Details Balance: $500 or more; Early Withdrawal Penalty: 60 Days Interest Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
12 Month Promotional Share Certificate	3.30%	3.35%	12 Months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.35% ▼ 0.65 pts · high 4.00% / low 3.35% Oct 5, 20263.35%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
24 Month Certificate	3.30%	3.35%	24 months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
48 Month Certificate	3.30%	3.35%	48 months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
18 Month Certificate	3.25%	3.30%	18 Months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
36 Month Certificate	3.25%	3.30%	36 months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
9 Month Promotional Share Certificate	3.25%	3.30%	9 Months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.30% ▼ 0.55 pts · high 3.85% / low 3.30% Oct 5, 20263.30%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
12 Month Promotional Share Certificate	3.20%	3.25%	12 Months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.25% ▼ 0.75 pts · high 4.00% / low 3.25% Oct 5, 20263.25%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
24 Month Certificate	3.20%	3.25%	24 months
Min Balance $500 Details Balance: $500 - $24,999 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: 3.52%
6 Month Promotional Share Certificate	3.20%	3.25%	6 Months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.25% ▼ 0.50 pts · high 3.75% / low 3.25% Oct 5, 20263.25%▼ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
18 Month Certificate	3.15%	3.20%	18 Months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
3 Month Promotional Share Certificate	3.15%	3.20%	3 Months
Min Balance $500 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.20% ▼ 0.30 pts · high 3.50% / low 3.20% Oct 5, 20263.20%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
9 Month Promotional Share Certificate	3.15%	3.20%	9 Months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.20% ▼ 0.65 pts · high 3.85% / low 3.20% Oct 5, 20263.20%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
12 Month Promotional Share Certificate	3.11%	3.15%	12 Months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.15% ▼ 0.85 pts · high 4.00% / low 3.15% Oct 5, 20263.15%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
6 Month Promotional Share Certificate	3.11%	3.15%	6 Months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.15% ▼ 0.60 pts · high 3.75% / low 3.15% Oct 5, 20263.15%▼ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
3 Month Promotional Share Certificate	3.06%	3.10%	3 Months
Min Balance $500 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.10% ▼ 0.40 pts · high 3.50% / low 3.10% Oct 5, 20263.10%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
9 Month Promotional Share Certificate	3.06%	3.10%	9 Months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.10% ▼ 0.75 pts · high 3.85% / low 3.10% Oct 5, 20263.10%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
6 Month Promotional Share Certificate	3.01%	3.05%	6 Months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.05% ▼ 0.70 pts · high 3.75% / low 3.05% Oct 5, 20263.05%▼ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
3 Month Promotional Share Certificate	2.96%	3.00%	3 Months
Min Balance $500 Details Balance: $500 - $24,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00% Oct 5, 20263.00%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.49%	1.50%
Min Balance $250,000 Details Balance: $250,000 or more; Early Withdrawal Penalty: N/A 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: 3.52%
IRA Savings	1.24%	1.25%
Min Balance $200,000 Details Balance: $200,000 - $249,999; Early Withdrawal Penalty: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA Savings	0.99%	1.00%
Min Balance $150,000 Details Balance: $150,000 - $199,999; Early Withdrawal Penalty: N/A 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: 3.52%
IRA Savings	0.74%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $149,999; Early Withdrawal Penalty: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA Savings	0.49%	0.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Early Withdrawal Penalty: N/A 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: 3.52%
IRA Savings	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Early Withdrawal Penalty: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA Savings	0.25%	0.25%
Min Balance $0 Details Balance: $0.01 - $24,999; Early Withdrawal Penalty: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Savings Account	0.19%	0.20%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.72%	2.75%
Min Balance $2,500 Details Balance: $250,000 - or more 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: 3.52%
Money Market	2.23%	2.25%
Min Balance $2,500 Details Balance: $200,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	1.74%	1.75%
Min Balance $2,500 Details Balance: $150,000 - $199,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	1.49%	1.50%
Min Balance $2,500 Details Balance: $100,000.00 - $149,999.99 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: 3.52%
Money Market	0.99%	1.00%
Min Balance $2,500 Details Balance: $50,000.00 - $99,999.99 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: 3.52%
Money Market	0.74%	0.75%
Min Balance $2,500 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	0.49%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 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: 3.52%

Baptist Health South Florida Federal Credit Union Checking Rates

Product	Rate	APY
Green Checking Account	0.20%	0.20%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Green Checking Account	0.10%	0.10%
Min Balance $0 Details Balance: $25,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Lines of Credit (HELOCs)	-	-	5.75%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Loans	-	-	5.99%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	3.70%
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Used Auto	-	-	3.70%
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle, Jet Ski & ATV Loan	-	5.20%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Boat Loan	-	5.95%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
RV & Travel Trailer Loan	-	5.95%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loan	9.95%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Personal Loan	9.95%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Baptist Health South Florida Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Empower Loan	-	-	18.00%
Details APR of 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Enrichment Loan	-	-	12.49%
Details Introductory APR of 5.99% for first 365 days for purchases and balance transfer. After that, APR will be as low as 12.49%. Regular APR: 12.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Explorer Rewards Loan	-	-	14.49%
Details Introductory APR of 0% for first 365 days for balance transfer only. After that, APR will be as low as 14.49%. Regular APR: 14.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Early Withdrawal Penalt	3.39%	-	3.45%	36 Months
Min Balance $500 Details Balance: $500 or more; Early Withdrawal Penalty: 90 Days Interest Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Early Withdrawal Penalty	3.54%	-	3.60%	60 Months
Min Balance $500 Details Balance: $500 or more; Early Withdrawal Penalty: 150 Days Interest Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Baptist Health South Florida Federal Credit Union’s Texas Ratio stayed near 3.72% in Q3 2023 to 3.52% 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; 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	$140M	3.52%	5.0	A+
March 31, 2026	$136M	2.69%	5.0	A+
December 31, 2025	$127M	5.48%	5.0	A+
September 30, 2025	$127M	5.16%	5.0	A+
June 30, 2025	$127M	4.89%	5.0	A+
March 31, 2025	$128M	5.25%	5.0	A+
December 31, 2024	$118M	3.97%	5.0	A+
September 30, 2024	$117M	4.94%	5.0	A+
June 30, 2024	$111M	5.07%	5.0	A+
March 31, 2024	$109M	5.05%	5.0	A+
December 31, 2023	$104M	6.53%	5.0	A
September 30, 2023	$107M	3.72%	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 Baptist Health South Florida Federal 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 Baptist Health South Florida Federal 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 Baptist Health South Florida Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Baptist Health South Florida Federal Credit Union

Website https://www.bhsffcu.org

Address 13200 SW 128th St, Miami, FL 33186

Phone 786-257-2304

Fax 786-901-7744

President Hugh Gallagher

CEO Alex Aspuru

Full-Time Employees 41

Part-Time Employees 12

Branch Locations 6

ATM Locations 6

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

3.52%

Return on Assets (ROA)

0.4903%

Return on Equity (ROE)

4.4360%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

140,157,481

Total Amount of Shares and Deposits

122,876,157

Total Shares and Deposits < 1 Year

121,615,002

Total Shares and Deposits 1 3 Years

765,529

Total Shares and Deposits > 3 Years

495,625

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

2,980,092

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

2,980,092

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

119,896,065

Total Interest Expense (Sum of items 6 8)

1,091,050

Share Certificates

1,337

Number of Accounts for Share Drafts

9,664

IRA KEOGH Accounts

Number of Accounts for Regular Shares

15,929

Money Market Shares

248

Net Income (unless the amount is already included in Undivided Earnings)

687,212

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)

21,222,973

Total Liabilities

124,807,561

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Baptist Health South Florida Federal 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.

<a href="https://monitorbankrates.com/credit-unions/baptist-health-south-florida-federal-credit-union-rates-review-14391">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Baptist Health South Florida Federal Credit Union 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Baptist Health South Florida Federal Credit Union

Frequently Asked Questions About Baptist Health South Florida Federal Credit Union

How many branches does Baptist Health South Florida Federal Credit Union operate?

Baptist Health South Florida Federal 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 Baptist Health South Florida Federal Credit Union?

Yes, to access services at Baptist Health South Florida Federal 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, Baptist Health South Florida Federal 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, Baptist Health South Florida Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Baptist Health South Florida Federal Credit Union offer online and mobile banking?

Most modern institutions like Baptist Health South Florida Federal 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.bhsffcu.org.

Current Baptist Health South Florida Federal Credit Union Rates

12-Month CD3.15%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.40%
Savings1.50%
MMA2.75%

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

Compare to Other Credit Unions

Baptist Health South Florida Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Baptist Health South Florida Federal Credit Union Texas Ratio

Baptist Health South Florida Federal Credit Union Health Trend

Baptist Health South Florida Federal Credit Union CD Rates

Baptist Health South Florida Federal Credit Union Savings Rates

Baptist Health South Florida Federal Credit Union Money Market Rates

Baptist Health South Florida Federal Credit Union Checking Rates

Baptist Health South Florida Federal Credit Union Home Equity & HELOC

Baptist Health South Florida Federal Credit Union Auto Loan Rates

Baptist Health South Florida Federal Credit Union RV, Boat and Powersport Loan Rates

Baptist Health South Florida Federal Credit Union Personal Loan Rates

Baptist Health South Florida Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Baptist Health South Florida Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Baptist Health South Florida Federal Credit Union

How many branches does Baptist Health South Florida Federal Credit Union operate?

Is a member application needed to join Baptist Health South Florida Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Baptist Health South Florida Federal Credit Union offer online and mobile banking?

Current Baptist Health South Florida Federal Credit Union Rates

Compare to Other Credit Unions