|
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.
FIRELANDS Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
FIRELANDS's top rates as of October 10, 2026 are 5.90% APY on its Smart Saver Youth CDs CD, 3.50% APY on savings, 3.00% APY on money market accounts, 0.25% APY on checking, personal loans from 15.90% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other FIRELANDS CD rates include IRA CD - 12 month at 4.00%, Kid's & Teens Club - 12 month at 4.00%, and CDs - 12 month at 4.00%. MonitorBankRates evaluates the financial stability of FIRELANDS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.89%. Rates last updated and verified on 10/10/2026. FIRELANDS 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 FIRELANDS? Share your experience about FIRELANDS by leaving a review below, or read customer reviews before you decide to use FIRELANDS. 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. FIRELANDS CD Rates
FIRELANDS Savings Rates
FIRELANDS Money Market Rates
FIRELANDS Checking Rates
FIRELANDS Business Checking Rates
FIRELANDS Home Equity & HELOC
FIRELANDS Auto Loan Rates
FIRELANDS RV, Boat and Powersport Loan Rates
FIRELANDS Credit Card Rates
FIRELANDS Personal Loan Rates
FIRELANDS Other Rates
Financial Health HistoryFIRELANDS’s Texas Ratio fell from 7.09% in Q3 2023 to 4.89% 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 and its Health Grade from A to A+. 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)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FIRELANDS 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 FIRELANDS 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 FIRELANDS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FIRELANDS
Website
http://www.firelandsfcu.org
Address
300 North Street,
Bellevue, OH 44811
Phone
800-276-5775
Fax
419-483-0264
President
Kenneth Rospert
CEO
Brett Montague
Full-Time Employees
97
Part-Time Employees
24
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.89%
Return on Assets (ROA)
0.5732%
Return on Equity (ROE)
5.9602%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
579,870,392
Total Amount of Shares and Deposits
525,084,825
Total Shares and Deposits < 1 Year
492,426,165
Total Shares and Deposits 1 3 Years
26,938,987
Total Shares and Deposits > 3 Years
5,719,672
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,294,283
Total Uninsured Shares and Deposits > $250K (F+J)
33,294,283
Total Insured Shares and Deposits > $250K (item 17 less item K)
491,790,542
Total Interest Expense (Sum of items 6 8)
5,366,544
Share Certificates
5,750
Number of Accounts for Share Drafts
22,619
IRA KEOGH Accounts
1,196
Number of Accounts for Regular Shares
53,405
All other shares
1,364
Money Market Shares
2,151
Net Income (unless the amount is already included in Undivided Earnings)
665,100
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)
13,889,258
Total Liabilities
525,231,725
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for FIRELANDS yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for FIRELANDS
Frequently Asked Questions About FIRELANDSHow many branches does FIRELANDS operate?FIRELANDS 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 FIRELANDS?Yes, to access services at FIRELANDS, 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, FIRELANDS 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, FIRELANDS provides members with tools to manage their accounts and build a solid financial history. Does FIRELANDS offer online and mobile banking?Most modern institutions like FIRELANDS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.firelandsfcu.org. Current FIRELANDS Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Glover Federal Credit Union
Kraftcor Federal Credit Union
SkyPoint Federal Credit Union
Ethicon Suture Credit Union
Nova UA Federal Credit Union
77th Street Depot Federal Credit Union
Stark Federal Credit Union
OTIS
Nueva Esperanza Community Credit Union
Safe 1 Credit Union
First Priority Credit Union Abilene, TX
First Nebraska Credit Union
WEST MICHIGAN POSTAL SERVICE
Members Choice of Central Texas Federal Credit Union
Maui Teachers Federal Credit Union
Pioneer Appalachia Federal Credit Union
STAR TECH
Urban Empowerment Federal Credit Union
Biloxi Teachers Federal Credit Union
Advance Financial Federal Credit Union
Cedar Point Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking