What are the current interest rates at FAMU Florida A&M University FCU?

Current rates for FAMU Florida A&M University FCU include: 12-Month CD: 1.50%, 18-Month CD: 1.25%, 24-Month CD: 2.74%, Savings: 0.10%, MMA: 0.20%

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FAMU Florida A&M University FCU

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FAMU Florida A&M University FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FAMU Florida A&M University FCU 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 12, 2026

FAMU Florida A&M University FCU's top rates as of October 12, 2026 are 3.15% APY on its 48 month CD/Share, 0.10% APY on savings, 0.20% APY on money market accounts, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other FAMU Florida A&M University FCU CD rates include 36 month CD/Share at 2.79%, 24 month CD/Share at 2.74%, and 48 month IRA CD at 1.75%. MonitorBankRates evaluates the financial stability of FAMU Florida A&M University FCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.66%. Rates last updated and verified on 10/12/2026.

FAMU Florida A&M University FCU 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 FAMU Florida A&M University FCU? Share your experience about FAMU Florida A&M University FCU by leaving a review below, or read customer reviews before you decide to use FAMU Florida A&M University FCU.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.66%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

FAMU Florida A&M University FCU
FAMU Federal Credit Union

1610 S Monroe St
Tallahassee, FL 32301-5524

https://www.famufcu.com

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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.

FAMU Florida A&M University FCU CD Rates

Product	Rate	APY	Term
48 month Certificate/Share	3.10%	3.15%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
36 month Certificate/Share	2.75%	2.79%	36 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
24 month Certificate/Share	2.70%	2.74%	24 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
48 month IRA Certificate	1.75%	1.75%	48 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
36 month IRA Certificate	1.65%	1.65%	36 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.65% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
12 month Certificate/Share	1.50%	1.51%	12 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
6 month Certificate/Share	1.50%	1.51%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
12 month IRA Certificate	1.50%	1.50%	12 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
18 month Certificate/Share	1.25%	1.26%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
18 month IRA Certificate	1.25%	1.25%	18 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
6 month IRA Certificate	0.50%	0.501%	6 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
90 day Certificate/Share	0.50%	0.501%	90 day
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
90 days IRA Certificate	0.50%	0.501%	90 days
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

FAMU Florida A&M University FCU Savings Rates

Product	Rate	APY
Vacation/Christmas Club	0.15%	0.15%
Min Deposit $5 Details Opening balance minimum: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Share/Savings	0.10%	0.10%
Min Deposit $5 Details Opening balance minimum: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Vacation/Christmas Club	0.10%	0.10%
Min Deposit $5 Details ($5 Min Opening) Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Share/Savings	0.05%	0.05%
Min Deposit $5 Details ($5 Min Opening) Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

FAMU Florida A&M University FCU Money Market Rates

Product	Rate	APY
Platinum Money Market	0.20%	0.20%
Min Deposit $5,000 Details Opening balance minimum: $5,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Diamond Back Money Market	0.15%	0.15%
Min Deposit $3,000 Details Opening balance minimum: $3,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Rattler Plus Money Market	0.10%	0.10%
Min Deposit $1,500 Details Opening balance minimum: $1,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

FAMU Florida A&M University FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto	6.00%	-	6.00%	1-36 months
Details Published rate range: 6.00% to 15.00%. up to 4 model years old Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
New and Used Auto	7.50%	-	7.50%	43-84 months
Details Published rate range: 7.50% to 15.00%. up to 5 model years old Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Used Auto	8.50%	-	8.50%	1-60 months
Details Published rate range: 8.50% to 15.00%. 5 to 8 model years old Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Used Auto	9.50%	-	9.50%	1-60 months
Details Published rate range: 9.50% to 15.00%. 9 to 12 model years old Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.50% → 9.50% ▲ 1.00 pts · high 9.50% / low 8.50% Sep 25, 20269.50%▲ from 8.50% Sep 16, 20268.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

FAMU Florida A&M University FCU Personal Loan Rates

Product	APR	Term
Personal Loan	7.00%	up to 36 months
Details Published rate range: 7.00% to 16.50%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Personal Loan	8.00%	37-60 months
Details over $5,000; Published rate range: 8.00% to 16.50%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%
Personal Line of Credit	9.00%
Details Published rate range: 9.00% to 16.50%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

FAMU Florida A&M University FCU Other Rates

Product	Rate	Points	APY/APR	Term	View More
Share IRA	0.10%	-	0.10%
Min Deposit $5 Details Opening balance minimum: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.66%

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

FAMU Florida A&M University FCU’s Texas Ratio fell from 12.30% in Q3 2023 to 9.66% in Q2 2026, so its financial health has improved 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	$28M	9.66%	5.0	A
March 31, 2026	$28M	10.65%	5.0	A
December 31, 2025	$27M	16.57%	4.9	A-
September 30, 2025	$27M	12.67%	5.0	A
June 30, 2025	$28M	7.21%	5.0	A
March 31, 2025	$28M	4.85%	5.0	A+
December 31, 2024	$29M	9.71%	5.0	A
September 30, 2024	$29M	6.08%	5.0	A
June 30, 2024	$29M	12.68%	5.0	A
March 31, 2024	$29M	1.08%	5.0	A+
December 31, 2023	$29M	7.10%	5.0	A
September 30, 2023	$30M	12.30%	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 FAMU Florida A&M University FCU 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 FAMU Florida A&M University FCU 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 FAMU Florida A&M University FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FAMU Florida A&M University FCU

Website https://www.famufcu.com

Address 1610 S Monroe St, Tallahassee, FL 32301-5524

Phone 850-222-4541

Fax 850-222-5401

President Lorenzo Alexander

CEO Jerry Clerveaux

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.66%

Return on Assets (ROA)

-0.8919%

Return on Equity (ROE)

-7.5097%

Non-Performing Loans Ratio (NPL)

3.46%

Total Assets

27,966,110

Total Amount of Shares and Deposits

23,762,460

Total Shares and Deposits < 1 Year

23,065,570

Total Shares and Deposits 1 3 Years

588,742

Total Shares and Deposits > 3 Years

108,146

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

723,306

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

723,306

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

23,039,154

Total Interest Expense (Sum of items 6 8)

19,986

Share Certificates

Number of Accounts for Share Drafts

2,379

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,152

Money Market Shares

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

-249,435

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)

7,408,328

Total Liabilities

24,644,651

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FAMU Florida A&M University FCU earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About FAMU Florida A&M University FCU

How many branches does FAMU Florida A&M University FCU operate?

FAMU Florida A&M University FCU 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 FAMU Florida A&M University FCU?

Yes, to access services at FAMU Florida A&M University FCU, 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, FAMU Florida A&M University FCU 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, FAMU Florida A&M University FCU provides members with tools to manage their accounts and build a solid financial history.

Does FAMU Florida A&M University FCU offer online and mobile banking?

Most modern institutions like FAMU Florida A&M University FCU 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.famufcu.com.

Current FAMU Florida A&M University FCU Rates

12-Month CD1.50%
18-Month CD1.25%
24-Month CD2.74%
Savings0.10%
MMA0.20%

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

Compare to Other Credit Unions

FAMU Florida A&M University FCU Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FAMU Florida A&M University FCU Texas Ratio

FAMU Florida A&M University FCU Health Trend

FAMU Florida A&M University FCU CD Rates

FAMU Florida A&M University FCU Savings Rates

FAMU Florida A&M University FCU Money Market Rates

FAMU Florida A&M University FCU Auto Loan Rates

FAMU Florida A&M University FCU Personal Loan Rates

FAMU Florida A&M University FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

FAMU Florida A&M University FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FAMU Florida A&M University FCU

How many branches does FAMU Florida A&M University FCU operate?

Is a member application needed to join FAMU Florida A&M University FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FAMU Florida A&M University FCU offer online and mobile banking?

Current FAMU Florida A&M University FCU Rates

Compare to Other Credit Unions