What are the current interest rates at Florida Credit Union?

Current rates for Florida Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.70%, 24-Month CD: 3.50%, 60-Month CD: 2.80%, Savings: 2.00%, MMA: 2.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Florida Credit Union Rates & Review October 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: October 9, 2026

Florida Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 13 month CD & IRA CD Special, 2.00% APY on savings, 2.00% APY on money market accounts, 4.25% APY on checking, 6.38% on its 5/1 Adjustable Rate Mortgage (ARM), personal loans from 10.09% APR, and credit cards from 15.90% APR, according to rates verified by MonitorBankRates. Other Florida Credit Union CD rates include 9 month CD & IRA CD Special at 4.10%, 7 month CD & IRA CD Special at 3.90%, and 18 month CD & IRA CD at 3.70%. 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 4.76%. Rates last updated and verified on 10/09/2026.

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 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

4.76%

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

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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.

Florida Credit Union CD Rates

Product	Rate	APY	Term
13 month CD & IRA CD Special	4.184%	4.25%	13 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Sep 18, 20264.25%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
9 month CD & IRA CD Special	4.038%	4.10%	9 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Sep 18, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
7 month CD & IRA CD Special	3.844%	3.90%	7 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
18 month CD & IRA CD	3.65%	3.70%	18 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30% Oct 9, 20263.70%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
12 month CD & IRA CD	3.504%	3.55%	12 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.41% → 3.55% ▲ 0.14 pts · high 3.55% / low 3.41% Oct 9, 20263.55%▲ from 3.41% Sep 14, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
24 month CD & IRA CD	3.455%	3.50%	24 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 9, 20263.50%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
6 month CD & IRA CD	3.455%	3.50%	6 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
36 month CD & IRA CD	2.771%	2.80%	36 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
60 month CD & IRA CD	2.771%	2.80%	60 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
48 month CD & IRA CD	2.722%	2.75%	48 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Savings Rates

Product	Rate	APY
Youth Savings	1.985%	2.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.01-$750.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Holiday Club	0.15%	0.15%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Regular Savings	0.15%	0.15%
Min Deposit $5 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Special Savings	0.15%	0.15%
Min Deposit $0 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Vacation Club	0.15%	0.15%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Youth Savings	0.15%	0.15%
Min Deposit $0 Min Balance $750 Details Balance: $750.01 and more Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Money Market Rates

Product	Rate	APY
Money Market Specials - Personal	1.982%	2.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Personal	1.49%	1.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Personal	1.243%	1.25%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Personal	1.094%	1.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.995%	1.00%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Personal	0.976%	0.98%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.98% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$1,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.549%	0.55%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Advantage	0.499%	0.50%
Min Deposit $65,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Advantage	0.499%	0.50%
Min Deposit $65,000 Min Balance $250,000 Details Balance: $250,000-$4,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Plus	0.499%	0.50%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000-$1,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Plus	0.499%	0.50%
Min Deposit $50,000 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.449%	0.45%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $39,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Advantage	0.25%	0.25%
Min Deposit $65,000 Min Balance $65,000 Details Balance: $65,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Plus	0.25%	0.25%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Business Money Market Rates

Product	Rate	APY
Money Market Specials - Business	1.982%	2.00%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Business	1.638%	1.65%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Business	1.391%	1.40%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Business	1.243%	1.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Business	0.995%	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.499%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000- $1,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.499%	0.50%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000- $39,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $40,000 Details Balance: $40,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Money Market Specials - Business	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Checking Rates

Product	Rate	APY
Consumer Interest Checking	4.169%	4.25%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000.00+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	3.928%	4.00%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000- $1,499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	2.472%	2.50%
Min Deposit $10,000 Min Balance $750,000 Details Balance: $750,000- $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	2.227%	2.25%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000- $749,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	1.982%	2.00%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00-$499.999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	1.49%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	1.243%	1.25%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	1.094%	1.10%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Consumer Interest Checking	0.995%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking	4.169%	4.25%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000.00+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	3.928%	4.00%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00-$1,499.999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	2.96%	3.00%
Min Deposit $10,000 Min Balance $750,000 Details Balance: $750,000- $999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	2.716%	2.75%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000- $749,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	2.472%	2.50%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000- $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	1.638%	1.65%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000- $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	1.391%	1.40%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000- $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	1.243%	1.25%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Business Interest Checking	0.995%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000- $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/1 Adjustable Rate Mortgage (ARM)	6.375%	-	6.531%	360-month
Details Intro rate expires: 5 years; Rate adjusts based on the Secured Overnight Financing Rate (SOFR) published by the Federal Reserve. Special rate for in-house portfolio loan only. ARM rates subject to increase during the loan term. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.40% → 6.53% ▲ 0.13 pts · high 6.53% / low 6.40% Oct 9, 20266.53%▲ from 6.40% Sep 18, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
5 Year HELOC Fixed	-	-	6.25%	5 Year
Details Loan to Value (LTV): 80% LTV or Less Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
5 Year HELOC Fixed	-	-	6.74%	5 Year
Details Loan to Value (LTV): 90% LTV Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
5 Year HELOC Fixed 100% LTV	-	-	6.99%	5 Year
Details Loan to Value (LTV): 90% LTV Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Loan to Value (LTV): 80% LTV or less Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 29, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto/Truck (Model 2023 - 2024)	5.29%	-	5.457%	36 months
Details As Low As; Model 2023 - 2024 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.31% → 5.46% ▲ 0.15 pts · high 5.46% / low 5.31% Oct 9, 20265.46%▲ from 5.31% Sep 18, 20265.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Cruiser (Model 2025 and newer) Loan	5.19%	5.357%	36 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.96% → 5.36% ▲ 0.40 pts · high 5.36% / low 4.96% Oct 9, 20265.36%▲ from 5.21% Sep 18, 20265.21%▲ from 4.96% Sep 14, 20264.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Cruiser (Model 2025 and newer) Loan	5.29%	5.393%	60 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.39% ▲ 0.40 pts · high 5.39% / low 4.99% Oct 9, 20265.39%▲ from 5.24% Sep 18, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Cruiser (Model 2023-2024) Loan	5.29%	5.457%	36 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.06% → 5.46% ▲ 0.40 pts · high 5.46% / low 5.06% Oct 9, 20265.46%▲ from 5.31% Sep 18, 20265.31%▲ from 5.06% Sep 14, 20265.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Cruiser (Model 2023-2024) Loan	5.39%	5.493%	60 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.09% → 5.49% ▲ 0.40 pts · high 5.49% / low 5.09% Oct 9, 20265.49%▲ from 5.34% Sep 18, 20265.34%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Cruiser (Model 2025 and newer) Loan	5.44%	5.527%	72 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.13% → 5.53% ▲ 0.40 pts · high 5.53% / low 5.13% Oct 9, 20265.53%▲ from 5.38% Sep 18, 20265.38%▲ from 5.13% Sep 14, 20265.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Motorcycle Cruiser (Model 2023-2024) Loan	5.64%	5.727%	72 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.33% → 5.73% ▲ 0.40 pts · high 5.73% / low 5.33% Oct 9, 20265.73%▲ from 5.58% Sep 18, 20265.58%▲ from 5.33% Sep 14, 20265.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2020 and newer) - 72 months Loan	5.99%	6.34%	72 months
Details Loan amount below $10,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Boat (Model 2019 and newer) Loan	6.49%	6.68%	144 months
Details Minimum loan $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.68% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2020 and newer) - 144 months Loan	6.49%	6.68%	144 months
Details Minimum $10,000 loan Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.68% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2020 and newer) - 180 months Loan	7.34%	7.405%	180 months
Details Minimum $25,000 loan Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.41% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Boat (Model 2019 and newer) Loan	7.34%	7.502%	180 months
Details Minimum loan $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2019 and older) - 72 months Loan	7.84%	8.197%	72 months
Details Loan amount below $10,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.20% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Boat (Model 2018 and older) Loan	8.34%	8.407%	180 months
Details Minimum loan $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.41% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2019 and older) - 180 months Loan	8.34%	8.507%	180 months
Details Minimum $25,000 loan Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.51% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Boat (Model 2018 and older) Loan	8.34%	8.538%	144 months
Details Minimum loan $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
RV (Model 2019 and older) - 144 months Loan	8.34%	8.538%	144 months
Details Minimum $10,000 loan Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Credit Card Rates

Product	Rate	APR
Platinum Wave Rewards Credit Card	-	15.90%
Details Published APR range: 15.90% - 17.90%. Credit Limit: $2,000 - $50,000; Annual Fees: Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 15.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
SelectTM Visa Signature	-	16.40%
Details Published APR range: 16.40%-17.90%. Credit Limit: $5,000 - $50,000; Annual Fees: Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Fresh Start Credit Card	-	23.99%
Details Credit Limit: $2,000 to $5,000; Annual Fees: $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 23.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.086%	18 - 60 months
Details $3,001; As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
SelectTM Visa Signature	16.40%
Details Published APR range: 16.40%-17.90%. Credit Limit: $5,000 - $50,000; Annual Fees: Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Florida Credit Union Other Rates

Product	Rate	Points	APY/APR
Commercial Interest Reserve Account	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Commercial Interest Reserve Account	0.995%	-	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Commercial Interest Reserve Account	1.243%	-	1.25%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Commercial Interest Reserve Account	1.391%	-	1.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Commercial Interest Reserve Account	1.638%	-	1.65%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Commercial Interest Reserve Account	1.982%	-	2.00%
Min Deposit $1,000,000 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%
Individual Retirement Account	0.499%	-	0.50%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

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 3.16% in Q3 2023 to 4.76% 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	$2.8B	4.76%	5.0	A+
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+

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 320

Part-Time Employees 16

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

4.76%

Return on Assets (ROA)

0.7094%

Return on Equity (ROE)

5.5875%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

2,811,130,849

Total Amount of Shares and Deposits

2,376,896,268

Total Shares and Deposits < 1 Year

2,278,055,078

Total Shares and Deposits 1 3 Years

97,382,972

Total Shares and Deposits > 3 Years

1,458,217

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

287,689,349

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

287,689,349

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

2,089,206,919

Total Interest Expense (Sum of items 6 8)

30,885,983

Share Certificates

26,827

Number of Accounts for Share Drafts

134,498

IRA KEOGH Accounts

3,910

Number of Accounts for Regular Shares

197,667

Non Member Deposits

Money Market Shares

1,804

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

19,942,527

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)

380,945,671

Total Liabilities

2,454,233,243

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Florida Credit Union earned the Verified Healthy badge

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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 CD3.55%
18-Month CD3.70%
24-Month CD3.50%
60-Month CD2.80%
Savings2.00%
MMA2.00%

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

Compare to Other Credit Unions

Florida Credit Union Rates & Review October 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 Savings Rates

Florida Credit Union Money Market Rates

Florida Credit Union Business Money Market Rates

Florida Credit Union Checking Rates

Florida Credit Union Business 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 Credit Card 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