What are the current interest rates at Florida Credit Union?

Current rates for Florida Credit Union include: 12-Month CD: 3.41%, 18-Month CD: 3.30%, 24-Month CD: 3.30%, 60-Month CD: 2.80%, MMA: 0.02%

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Florida Credit Union

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Florida Credit Union Rates & Review September 2026

Q: How many branches does Florida Credit Union operate?

Florida 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.

Q: Is a member application needed to join Florida Credit Union?

Yes, to access services at Florida 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.

Q: Is there a first-time homebuyer program?

Currently, Florida 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Florida 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: September 21, 2026

Florida Credit Union's 13 month CD & IRA CD Special rates are at 4.25%, 9 month CD & IRA CD Special rates are at 4.10%, 7 month CD & IRA CD Special rates are at 3.90%, 6 month CD & IRA CD rates are at 3.50%, 12 month CD & IRA CD rates are at 3.41%. Florida Credit Union's money market rates are at 0.02%. Florida Credit Union's 5/1 Adjustable Rate Mortgage (ARM) rates are at 6.25%, 5/1 Adjustable Rate Mortgage (ARM) rates are at 6.25%. Florida Credit Union's Personal Loan Rates are as low as 10.09%. MonitorBankRates evaluates the financial stability of Florida Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.93%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 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

3.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Florida Credit Union
Fred Bear Corporate Office

5670 SW 41st Blvd
Gainesville, FL 32608

https://www.flcu.org

Florida Credit Union CD Rates

Product	Rate	APY	Term
13 month CD & IRA CD Special	4.18%	4.25%	13 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
9 month CD & IRA CD Special	4.04%	4.10%	9 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
7 month CD & IRA CD Special	3.84%	3.90%	7 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
6 month CD & IRA CD	3.46%	3.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 month CD & IRA CD	3.37%	3.41%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
18 month CD & IRA CD	3.26%	3.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
24 month CD & IRA CD	3.26%	3.30%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
36 month CD & IRA CD	2.77%	2.80%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
60 month CD & IRA CD	2.77%	2.80%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
48 month CD & IRA CD	2.72%	2.75%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Money Market Rates

Product	Rate	APY
Money Market Specials - Business	1.98%	2.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and more; Business Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	1.98%	2.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Business	1.64%	1.65%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $999,999.99; Business1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	1.49%	1.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $999,999.99; Balance: $100,000- $999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Business	1.39%	1.40%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000- $99,999.99; Business1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Business	1.24%	1.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $49,999.99; Business1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	1.24%	1.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	1.09%	1.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Business	1.00%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99; Business1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	0.98%	0.98%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$1,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.55%	0.55%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $1,999,999.99; Balance: $100,000- $1,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99; Balance: $2,000,000-$4,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Advantage	0.50%	0.50%
Min Deposit $65,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99; Balance: $100,000- $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Advantage	0.50%	0.50%
Min Deposit $65,000 Min Balance $250,000 Details Balance: $250,000-$4,999,999.99; Balance: $250,000-$4,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Plus	0.50%	0.50%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000-$1,999,999.99; Balance: $100,000-$1,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Plus	0.50%	0.50%
Min Deposit $50,000 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99; Balance: $2,000,000-$4,999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.45%	0.45%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $39,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $39,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Advantage	0.25%	0.25%
Min Deposit $65,000 Min Balance $65,000 Details Balance: $65,000-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Plus	0.25%	0.25%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Business	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99; Business1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Specials - Personal	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $5,000,000 Details Balance: $5,000,000 and more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Account	0.02%	0.02%
Min Deposit $2,500 Min Balance $5,000,000 Details Balance: $5,000,000 and more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Advantage	0.02%	0.02%
Min Deposit $65,000 Min Balance $5,000,000 Details Balance: $5,000,000 and more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Plus	0.02%	0.02%
Min Deposit $50,000 Min Balance $5,000,000 Details Balance: $5,000,000 and more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Checking Rates

Product	Rate	APY
Business Interest Checking	4.17%	4.25%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000.00+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	4.17%	4.25%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000.00+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	3.93%	4.00%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$1,499.999.99; Balance: $1,000,000.00-$1,499.999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	3.93%	4.00%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000- $1,499,999.99; Balance: $1,000,000- $1,499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	2.96%	3.00%
Min Deposit $10,000 Min Balance $750,000 Details Balance: $750,000- $999,999.99; Balance: $750,000- $999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	2.72%	2.75%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000- $749,999.99; Balance: $500,000- $749,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	2.47%	2.50%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000- $499,999.99; Balance: $250,000- $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	2.47%	2.50%
Min Deposit $10,000 Min Balance $750,000 Details Balance: $750,000- $999,999.99; Balance: $750,000- $999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	2.23%	2.25%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000- $749,999.99; Balance: $500,000- $749,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	1.98%	2.00%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00-$499.999.99; Balance: $250,000.00-$499.999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	1.64%	1.65%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99; Balance: $100,000- $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	1.49%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99; Balance: $100,000- $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	1.39%	1.40%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	1.24%	1.25%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	1.24%	1.25%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	1.09%	1.10%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Business Interest Checking	1.00%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Consumer Interest Checking	1.00%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Adjustable Rate Mortgage (ARM)	6.25%	0	6.40%	360-month term
Details Initial ARM rates are typically lower than a fixed option and are a great option if you plan to sell or refinance your house before the rate goes up. Take advantage of: Up to 100% financing Up to $5,000 lender credit toward closing costs on portfolio loans Purchase - refinance - get cash out Special rate for in-house portfolio loan only. Rate quoted as of 09/16/2026. Down payment requirements and interest rate are based on borrower's creditworthiness. Lender credit is 2% of loan amount, up to $5,000. Offer requires an interest rate increase of 0.25%. If the loan is paid off within three (3) years of closing, the borrower must reimburse the lender credit amount. Rate adjustment will be applied to current rates. Rates are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
5/1 Adjustable Rate Mortgage (ARM)	6.25%	-	6.40%
Details Intro rate expires: 6 months; Special rate for in-house portfolio loan only. Rate quoted as of 09/16/2026. Down payment requirements and interest rate are based on borrower's creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity 5 Year HELOC Fixed	-	-	6.25%
Details Loan to Value (LTV): 80% LTV or Less Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Home Equity 5 Year HELOC Fixed	-	-	6.74%
Details Loan to Value (LTV): 90% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Home Equity Line of Credit (HELOC)	-	-	6.75%
Details Loan to Value (LTV): 80% LTV or less Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Home Equity 5 Year HELOC Fixed 100% LTV	-	-	6.99%
Details Loan to Value (LTV): 90% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Loan to Value (LTV): 100% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto/Truck (Model 2023 - 2024)	5.14%	-	5.31%	36 months
Details As Low As; Model 2023 - 2024 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Cruiser (Model 2025 and newer) Loan	5.04%	5.21%	36 months
Details As Low As; Model Year: 2025 and newer Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Motorcycle Cruiser (Model 2025 and newer) Loan	5.14%	5.24%	60 months
Details As Low As; Model Year: 2025 and newer Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Motorcycle Cruiser (Model 2023-2024) Loan	5.14%	5.31%	36 months
Details As Low As; Model Year: 2023-2024 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Motorcycle Cruiser (Model 2023-2024) Loan	5.24%	5.34%	60 months
Details As Low As; Model Year: 2023-2024 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Motorcycle Cruiser (Model 2025 and newer) Loan	5.29%	5.38%	72 months
Details As Low As; Model Year: 2025 and newer Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Motorcycle Cruiser (Model 2023-2024) Loan	5.49%	5.58%	72 months
Details As Low As; Model Year: 2023-2024 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2020 and newer) - 72 months Loan	5.99%	6.34%	72 months
Details Term: 72 (loan below $10,000); As Low As; RV (Model 2020 and newer) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Boat (Model 2019 and newer) - 144 months Loan	6.49%	6.68%	144 months
Details minimum $10,000 loan Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2020 and newer) - 144 months Loan	6.49%	6.68%	144 months
Details Term: 144 (minimum $10,000 loan); As Low As; RV (Model 2020 and newer) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2020 and newer) - 180 months Loan	7.34%	7.41%	180 months
Details Term: 180 (minimum $25,000 loan); As Low As; RV (Model 2020 and newer) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Boat (Model 2019 and newer) - 180 months Loan	7.34%	7.50%	180 months
Details minimum $25,000 loan Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2019 and older) - 72 months Loan	7.84%	8.20%	72 months
Details Term: 72 (loan below $10,000); As Low As; RV (Model 2019 and older) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Boat (Model 2018 and older) - 180 months Loan	8.34%	8.41%	180 months
Details minimum $25,000 loan Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2019 and older) - 180 months Loan	8.34%	8.51%	180 months
Details Term: 180 (minimum $25,000 loan); As Low As; RV (Model 2019 and older) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Boat (Model 2018 and older) - 144 months Loan	8.34%	8.54%	144 months
Details minimum $10,000 loan Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
RV (Model 2019 and older) - 144 months Loan	8.34%	8.54%	144 months
Details Term: 144 (minimum $10,000 loan); As Low As; RV (Model 2019 and older) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.09%	18 - 60 months
Details minimum amount $3,001 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Personal line of Credit (starting at limit)	10.24%	Revolving line of cr
Details $1,000; Term: Revolving line of credit; Published APR range: 10.240% - 17.990%; Published rate range: 10.240% - 17.990%. As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

Florida Credit Union Other Rates

Product	Rate	Points	APY/APR
Fresh Start Loan	-	-	23.99%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Platinum Rate Loan	-	-	13.90%
Details Published APR range: 13.90% - 17.90%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Platinum Wave Rewards Loan	-	-	15.90%
Details Published APR range: 15.90% - 17.90%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000- $999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$1,499.999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IOTA Account	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000.00+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

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

Florida Credit Union’s Texas Ratio rose from 3.10% in Q2 2023 to 3.93% in Q1 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
March 31, 2026	$2.7B	3.93%	5.0	A+
December 31, 2025	$2.6B	4.69%	5.0	A+
September 30, 2025	$2.5B	4.06%	5.0	A+
June 30, 2025	$2.4B	3.75%	5.0	A+
March 31, 2025	$2.4B	3.12%	5.0	A+
December 31, 2024	$2.3B	4.06%	5.0	A+
September 30, 2024	$2.2B	3.88%	5.0	A+
June 30, 2024	$2.2B	3.37%	5.0	A+
March 31, 2024	$2.2B	2.74%	5.0	A+
December 31, 2023	$2.1B	3.16%	5.0	A+
September 30, 2023	$2.1B	3.16%	5.0	A+
June 30, 2023	$2.0B	3.10%	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 Florida 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 Florida 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 Florida Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Florida Credit Union

Website https://www.flcu.org

Address 5670 SW 41st Blvd, Gainesville, FL 32608

Phone 352-377-4141

Fax 352-264-2654

President Lynn Jones, SR

CEO Mark (CEO) Starr

Full-Time Employees 321

Part-Time Employees 14

Branch Locations 16

ATM Locations 16

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.93%

Return on Assets (ROA)

0.3557%

Return on Equity (ROE)

2.8081%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

2,736,900,323

Total Amount of Shares and Deposits

2,313,946,600

Total Shares and Deposits < 1 Year

2,222,280,814

Total Shares and Deposits 1 3 Years

90,150,591

Total Shares and Deposits > 3 Years

1,515,194

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

269,965,872

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

269,965,872

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

2,043,980,728

Total Interest Expense (Sum of items 6 8)

15,152,791

Share Certificates

25,879

Number of Accounts for Share Drafts

131,453

IRA KEOGH Accounts

3,912

Number of Accounts for Regular Shares

192,371

Non Member Deposits

Money Market Shares

1,845

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

9,735,770

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)

437,670,658

Total Liabilities

2,390,209,474

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Florida Credit Union earned the Verified Healthy badge

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Florida Credit Union

How many branches does Florida Credit Union operate?

Florida 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 Florida Credit Union?

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

Does Florida Credit Union offer online and mobile banking?

Most modern institutions like Florida 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.flcu.org.

Current Florida Credit Union Rates

12-Month CD3.41%
18-Month CD3.30%
24-Month CD3.30%
60-Month CD2.80%
MMA0.02%

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

Compare to Other Credit Unions

Florida Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Florida Credit Union Texas Ratio

Florida Credit Union Health Trend

Florida Credit Union CD Rates

Florida Credit Union Money Market Rates

Florida Credit Union Checking Rates

Florida Credit Union Mortgage Rates

Florida Credit Union Home Equity & HELOC

Florida Credit Union Auto Loan Rates

Florida Credit Union RV, Boat and Powersport Loan Rates

Florida Credit Union Personal Loan Rates

Florida Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Florida Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Florida Credit Union

How many branches does Florida Credit Union operate?

Is a member application needed to join Florida Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Florida Credit Union offer online and mobile banking?

Current Florida Credit Union Rates

Compare to Other Credit Unions