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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.
 Central Credit Union of Florida Rates & Review September 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.
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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: September 22, 2026
Central Credit Union of Florida's 6-Month CD/IRA rates are at 3.62%, 12-Month CD/IRA rates are at 3.59%, 24-Month CD/IRA rates are at 3.39%, 18-Month CD/IRA rates are at 3.32%, 36-Month CD/IRA rates are at 3.32%. Central Credit Union of Florida's RV, Boat and Powersport Loan Rates are as low as 4.24%. Central Credit Union of Florida's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Central Credit Union of Florida with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.22%. Rates last updated and verified on 09/22/2026. Central 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 Central Credit Union of Florida? Share your experience about Central Credit Union of Florida by leaving a review below, or read customer reviews before you decide to use Central Credit Union of Florida. Central Credit Union of Florida
Home Office 1200 E Nine Mile Rd
https://loyaltycu.org Pensacola, FL 32514-1653 
Central Credit Union of Florida CD Rates
Central Credit Union of Florida Auto Loan Rates
Central Credit Union of Florida RV, Boat and Powersport Loan Rates
Central Credit Union of Florida Credit Card Rates
Central Credit Union of Florida Other Rates
Financial Health HistoryCentral Credit Union of Florida’s Texas Ratio fell from 4.51% in Q2 2023 to 2.22% in Q1 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)
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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 Central 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 Central 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 Central Credit Union of Florida's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central Credit Union of Florida
Website
https://loyaltycu.org
Address
1200 E Nine Mile Rd,
Pensacola, FL 32514-1653
Phone
850-474-0970
Fax
President
Chip Simmons
CEO
Park Broome
Full-Time Employees
82
Part-Time Employees
0
Branch Locations
7
ATM Locations
7
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
2.22%
Return on Assets (ROA)
0.2232%
Return on Equity (ROE)
1.9836%
Non-Performing Loans Ratio (NPL)
0.50%
Total Assets
302,859,828
Total Amount of Shares and Deposits
266,345,375
Total Shares and Deposits < 1 Year
263,140,093
Total Shares and Deposits 1 3 Years
3,186,123
Total Shares and Deposits > 3 Years
19,159
Total Insured Shares and Deposits > $250K (item 17 less item K)
266,345,375
Total Interest Expense (Sum of items 6 8)
577,088
Share Certificates
1,313
Number of Accounts for Share Drafts
14,490
IRA KEOGH Accounts
238
Number of Accounts for Regular Shares
25,269
Money Market Shares
405
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)
25,818,705
Total Liabilities
268,420,567
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Central Credit Union of Florida yet. Feel free to create one below.
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Add Your Rating and Review for Central Credit Union of Florida
Frequently Asked Questions About Central Credit Union of FloridaHow many branches does Central Credit Union of Florida operate?Central 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 Central Credit Union of Florida?Yes, to access services at Central 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, Central 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, Central Credit Union of Florida provides members with tools to manage their accounts and build a solid financial history. Does Central Credit Union of Florida offer online and mobile banking?Most modern institutions like Central 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: https://loyaltycu.org. Current Central Credit Union of Florida Rates
Retrieved from our database of financial products. Rates subject to change.
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