What are the current interest rates at Firefighters Community Credit Union?

Current rates for Firefighters Community Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.75%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.30%, MMA: 0.40%

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Firefighters Community Credit Union

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Firefighters Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Firefighters Community 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 10, 2026

Firefighters Community Credit Union's top rates as of October 10, 2026 are 3.75% APY on its 18 Month CD, 0.30% APY on savings, 0.40% APY on money market accounts, 2.00% APY on checking, 6.42% on its 10 year conventional loan mortgage, personal loans from 11.40% APR, and credit cards from 12.75% APR, according to rates verified by MonitorBankRates. Other Firefighters Community Credit Union CD rates include 6 Month CD at 3.75%, 12 Month CD at 3.25%, and 24 Month CD at 3.00%. Other Firefighters Community Credit Union mortgage rates include 15 year conventional loan at 6.67%, 20 year conventional loan at 6.92%, and 30 year conventional loan at 7.17%. MonitorBankRates evaluates the financial stability of Firefighters Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.32%. Rates last updated and verified on 10/10/2026.

Firefighters Community 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 Firefighters Community Credit Union? Share your experience about Firefighters Community Credit Union by leaving a review below, or read customer reviews before you decide to use Firefighters Community 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

4.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Firefighters Community Credit Union
Operations Center

4664 E 71st St
Cleveland, OH 44125-1020

https://www.ffcommunity.com

Privately insuredNot NCUA

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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.

Firefighters Community Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	-	3.75%	18 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
6 Month Certificate	-	3.75%	6 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
12 Month Certificate	-	3.25%	12 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
24 Month Certificate	-	3.00%	24 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
36 Month Certificate	-	3.00%	36 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
48 Month Certificate	-	3.00%	48 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
60 Month Certificate	-	3.00%	60 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
3 Month Certificate	-	0.75%	3 Month
Min Balance $500 Last Updated 10/10/2026 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: 4.32%

Firefighters Community Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	0.30%
Min Balance $50 Details Balance: $50+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Christmas Club	-	0.01%
Min Balance $10 Details Balance: $10+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Regular Savings	-	0.01%
Min Balance $5 Details Balance: $5+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Sparky's Club Savings-Youth Account	-	0.01%
Min Balance $5 Details Balance: $5+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Travel/Vacation Club	-	0.01%
Min Balance $10 Details Balance: $10+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	-	0.01%
Min Balance $50 Details Balance: $50+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Business Savings	-	0.01%
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	0.40%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/10/2026 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: 4.32%
Money Market	-	0.30%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Money Market	-	0.20%
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 10/10/2026 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: 4.32%
Money Market	-	0.15%
Min Balance $50 Details Balance: $50-$4,999.99 Last Updated 10/10/2026 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: 4.32%

Firefighters Community Credit Union Checking Rates

Product	Rate	APY
ADVANTAGE Checking	-	2.00%
Min Balance $500 Details Balance: $500-$24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
ADVANTAGE Checking	-	0.01%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Regular Checking	-	0.01%
Min Balance $500 Details Balance: $500-$4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Regular Checking	-	0.01%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 year conventional loan	6.415%	-	6.924%	10 year
Details As Low As; Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.22% → 6.92% ▲ 0.71 pts · high 6.92% / low 6.22% Oct 10, 20266.92%▲ from 6.72% Oct 1, 20266.72%▲ from 6.52% Sep 22, 20266.52%▲ from 6.42% Sep 18, 20266.42%▲ from 6.22% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
15 year conventional loan	6.665%	-	7.029%	15 year
Details As Low As; Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.32% → 7.03% ▲ 0.71 pts · high 7.03% / low 6.32% Oct 10, 20267.03%▲ from 6.83% Oct 1, 20266.83%▲ from 6.63% Sep 22, 20266.63%▲ from 6.52% Sep 18, 20266.52%▲ from 6.32% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
20 year conventional loan	6.915%	-	7.21%	20 year
Details As Low As; Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.50% → 7.21% ▲ 0.71 pts · high 7.21% / low 6.50% Oct 10, 20267.21%▲ from 7.01% Oct 1, 20267.01%▲ from 6.81% Sep 22, 20266.81%▲ from 6.70% Sep 18, 20266.70%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
30 year conventional loan	7.165%	-	7.394%	30 year
Details As Low As; Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.69% → 7.39% ▲ 0.71 pts · high 7.39% / low 6.69% Oct 10, 20267.39%▲ from 7.19% Oct 1, 20267.19%▲ from 6.99% Sep 22, 20266.99%▲ from 6.89% Sep 18, 20266.89%▲ from 6.69% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (Fixed Rate)	-	-	6.57%	60 to 180 months
Details If you borrow $10,000 - $49,999, FFCCU may cover up to $500 in closing costs. If you borrow $50,000 or more, FFCCU may cover up to $800 in closing costs. Borrowers who incur closing costs, such as appraisal, title search, and flood search, during the application process, but whose loan does not close for any reason, including but not limited to, borrower electing to withdraw application, or if the results from the appraisal, title search, or flood search render the application ineligible for approval, are responsible for all closing fees incurred. Rate is determined by credit history, underwriting factors and repayment terms. Borrow up to 80% of home's equity (appraised value times 80% less any existing liens), up to $250,000. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 6.57% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Home Equity Line of Credit Loan	-	-	6.75%	7 years
Details Term: 7 yr. draw period, 15 year repayment; Variable Rate; Rate floor is 2.00%APR and ceiling is 18.00%APR. $10,000 initial advance, $500 minimum subsequent advances. Borrow up to 80% of home's equity (appraised value times 80% less any existing liens), up to $250,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	5.04%	-	5.385%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 5.39% → 5.39% ▼ 0.00 pts · high 5.39% / low 5.14% Oct 10, 20265.39%▲ from 5.14%* Sep 22, 20265.14%▼ from 5.39% Sep 18, 20265.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Pre-owned / Used Auto Loan (newer than 7 years)	5.54%	-	5.886%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 5.89% → 5.89% ▼ 0.00 pts · high 5.89% / low 5.64% Oct 10, 20265.89%▲ from 5.64%* Sep 22, 20265.64%▼ from 5.89% Sep 18, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Pre-owned / Used Auto Loan (7 model years and older)	6.54%	-	6.887%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.89% → 6.89% ▼ 0.00 pts · high 6.89% / low 6.64% Oct 10, 20266.89%▲ from 6.64%* Sep 22, 20266.64%▼ from 6.89% Sep 18, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Recreational Vehicle Loans - New	7.29%	7.39%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Members must be 18 years of age or older. New rec vehicle definition: Current and previous model year, never titled and has less than 500 miles on it. FFCCU may consider a rec vehicle loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Recreational Vehicle Loans - Pre-Owned/Used (newer than seven model years)	7.79%	7.89%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Members must be 18 years of age or older. New rec vehicle definition: Current and previous model year, never titled and has less than 500 miles on it. FFCCU may consider a rec vehicle loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Recreational Vehicle Loans - Pre-Owned/Used (seven model years or older)	8.79%	8.89%
Details As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Members must be 18 years of age or older. New rec vehicle definition: Current and previous model year, never titled and has less than 500 miles on it. FFCCU may consider a rec vehicle loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Credit Card Rates

Product	Rate	APR
Great Rate Visa Credit Card	-	12.75%
Details Intro/promo APR: 1.99%; Intro rate expires: 60 days; Regular APR: 12.75% - 29.99% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Most Rewards Visa Credit Card	-	12.75%
Details Regular APR: 12.75% - 29.99% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.40%
Details As Low As; Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

Firefighters Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Emergency Loan	14.50%	-	21.59%
Details As Low As; Emergency loan APR based on $2,000 financed for 12 months with qualifying credit, including loan processing fee of $75. Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 21.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Great Rate Card Loan	-	-	11.50%
Details Published APR range: 11.50%-21.50%. Variable; Intro rate expires: 12 months; Regular APR: 11.50%-21.50% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Oct 10, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%
Most Rewards Loan	-	-	13.00%
Details Published APR range: 13.00%-23.00%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 10, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.32%

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.
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Financial Health History

Firefighters Community Credit Union’s Texas Ratio rose from 2.95% in Q3 2023 to 4.32% 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

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	$359M	4.32%	5.0	A+
March 31, 2026	$356M	5.42%	5.0	A+
December 31, 2025	$354M	5.92%	5.0	A+
September 30, 2025	$346M	3.98%	5.0	A+
June 30, 2025	$348M	4.37%	5.0	A+
March 31, 2025	$347M	3.64%	5.0	A+
December 31, 2024	$344M	4.10%	5.0	A+
September 30, 2024	$337M	3.85%	5.0	A+
June 30, 2024	$335M	3.45%	5.0	A+
March 31, 2024	$336M	2.96%	5.0	A+
December 31, 2023	$330M	4.83%	5.0	A+
September 30, 2023	$332M	2.95%	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 Firefighters Community 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 Firefighters Community 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 Firefighters Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Firefighters Community Credit Union

Website https://www.ffcommunity.com

Address 4664 E 71st St, Cleveland, OH 44125-1020

Phone 216-344-3960

Fax 216-344-3970

President Richard Bowman

CEO Ben Laurendeau

Full-Time Employees 85

Part-Time Employees 5

Branch Locations 6

ATM Locations 6

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.32%

Return on Assets (ROA)

0.3742%

Return on Equity (ROE)

3.8037%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

358,641,709

Total Amount of Shares and Deposits

320,640,656

Total Shares and Deposits < 1 Year

316,670,947

Total Shares and Deposits 1 3 Years

3,193,015

Total Shares and Deposits > 3 Years

776,694

Total Interest Expense (Sum of items 6 8)

2,173,256

Share Certificates

4,661

Number of Accounts for Share Drafts

14,079

IRA KEOGH Accounts

468

Number of Accounts for Regular Shares

32,911

Money Market Shares

1,268

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

1,341,921

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)

19,373,920

Total Liabilities

323,824,479

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Firefighters Community Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Firefighters Community Credit Union

How many branches does Firefighters Community Credit Union operate?

Firefighters Community 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 Firefighters Community Credit Union?

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

Does Firefighters Community Credit Union offer online and mobile banking?

Most modern institutions like Firefighters Community 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.ffcommunity.com.

Current Firefighters Community Credit Union Rates

12-Month CD3.25%
18-Month CD3.75%
24-Month CD3.00%
60-Month CD3.00%
Savings0.30%
MMA0.40%

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

Compare to Other Credit Unions

Firefighters Community Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Firefighters Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Firefighters Community Credit Union

How many branches does Firefighters Community Credit Union operate?

Is a member application needed to join Firefighters Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Firefighters Community Credit Union offer online and mobile banking?

Current Firefighters Community Credit Union Rates

Compare to Other Credit Unions