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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.
FLORENCE Rates & Review March 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: March 28, 2026
FLORENCE's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of FLORENCE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.80%. Rates were last updated on 03/28/2026. FLORENCE 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 FLORENCE? Share your experience about FLORENCE by leaving a review below, or read customer reviews before you decide to use FLORENCE. Bank of Clarkson
Florence Federal Credit Union 1505 N Pine St
http://ffcuonline.com Florence, AL 35630 2285 
FLORENCE Auto Loan Rates
FLORENCE Credit Card Rates
FLORENCE Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FLORENCE 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 FLORENCE 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 FLORENCE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FLORENCE
Website
http://ffcuonline.com
Address
1505 N Pine St,
Florence, AL 35630 2285
Phone
256-767-4700
Fax
256-766-7414
President
Roger Pope
CEO
Lisa Eckl
Full-Time Employees
17
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
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
4.80%
Return on Assets (ROA)
0.3247%
Return on Equity (ROE)
2.4031%
Non-Performing Loans Ratio (NPL)
1.61%
Total Assets
67,102,617
Total Amount of Shares and Deposits
58,068,187
Total Shares and Deposits < 1 Year
44,921,794
Total Shares and Deposits 1 3 Years
7,629,389
Total Shares and Deposits > 3 Years
5,517,004
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,558,495
Total Uninsured Shares and Deposits > $250K (F+J)
3,558,495
Total Insured Shares and Deposits > $250K (item 17 less item K)
54,509,692
Total Interest Expense (Sum of items 6 8)
638,108
Share Certificates
258
Number of Accounts for Share Drafts
2,250
IRA KEOGH Accounts
203
Number of Accounts for Regular Shares
4,444
Money Market Shares
95
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,669,649
Total Liabilities
58,761,055
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About FLORENCEIs FLORENCE a safe place to deposit money?Yes, FLORENCE is considered a safe financial institution. With a Texas Ratio of 4.804883574764%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does FLORENCE operate?FLORENCE 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 FLORENCE?Yes, to access services at FLORENCE, 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, FLORENCE 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, FLORENCE provides members with tools to manage their accounts and build a solid financial history. Does FLORENCE offer online and mobile banking?Most modern institutions like FLORENCE 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://ffcuonline.com. Compare to Other Credit Unions
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