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Fort Financial Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 12, 2026
Fort Financial Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its Traditional 12-Month IRA CD - Premier Member, 0.05% APY on savings, 2.50% APY on money market accounts, 2.50% APY on checking, 6.75% on its 30-Year 5/1 ARM mortgage, and personal loans from 12.24% APR, according to rates verified by MonitorBankRates. Other Fort Financial Federal Credit Union CD rates include Traditional 12-Month IRA CD at 4.25%, 12-Month CD - Premier Member at 3.75%, and 12-Month Business CD at 3.50%. Other Fort Financial Federal Credit Union mortgage rates include 30-Year 7/1 ARM at 7.12%, 10-Year Fixed at 7.25%, and 30-Year 10/1 ARM at 7.50%. MonitorBankRates evaluates the financial stability of Fort Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.95%. Rates last updated and verified on 10/12/2026.
Fort Financial Federal 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 Fort Financial Federal Credit Union? Share your experience about Fort Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Fort Financial Federal Credit Union.
Fort Financial Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Fort Financial Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.95%
ExcellentLower than avg
Fort Financial Federal Credit Union Texas Ratio
Fort Financial Federal Credit Union's Texas Ratio is 2.95%, which is considered excellent and is lower than the national average of 6.13%.
Fort Financial Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
20.45% to 2.95% over 12 quarters, improvingFull history
Star Rating 4.6 to 5.0, Health Grade B to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Fort Financial Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Traditional 12-Month IRA Certificate - Premier Member
4.41%
4.50%
12 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate
4.17%
4.25%
12 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
Sep 25, 20264.25%▼ from 4.50%
Sep 14, 20264.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
12-Month Certificate - Premier Member
3.69%
3.75%
12 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
12-Month Certificate - Non-premier member
3.44%
3.50%
12 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate - Premier Member
3.44%
3.50%
18 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 24-Month IRA Certificate - Premier Member
3.44%
3.50%
24 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
18-Month Certificate - Premier Member
3.20%
3.25%
18 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
24-Month Certificate - Premier Member
3.20%
3.25%
24 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Month Certificate - Premier Member
3.20%
3.25%
30 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate
3.20%
3.25%
18 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
Sep 25, 20263.25%▼ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 24-Month IRA Certificate
3.20%
3.25%
24 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
Sep 25, 20263.25%▼ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 30-Month IRA Certificate - Premier Member
3.20%
3.25%
30 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
18-Month Certificate - Non-premier member
2.96%
3.00%
18 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
24-Month Certificate - Non-premier member
2.96%
3.00%
24 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Month Certificate - Non-premier member
2.96%
3.00%
30 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
36-Month Certificate - Premier Member
2.96%
3.00%
36 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
48-Month Certificate - Premier Member
2.96%
3.00%
48 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
60-Month Certificate - Premier Member
2.96%
3.00%
60 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 36-Month IRA Certificate - Premier Member
2.96%
3.00%
36 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 48-Month IRA Certificate - Premier Member
2.96%
3.00%
48 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 60-Month IRA Certificate - Premier Member
2.96%
3.00%
60 months
Min Deposit$500
DetailsPremier Member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
36-Month Certificate - Non-premier member
2.72%
2.75%
36 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
48-Month Certificate - Non-premier member
2.72%
2.75%
48 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
60-Month Certificate - Non-premier member
2.72%
2.75%
60 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 36-Month IRA Certificate
2.72%
2.75%
36 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
Sep 25, 20262.75%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 48-Month IRA Certificate
2.72%
2.75%
48 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
Sep 25, 20262.75%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Traditional 60-Month IRA Certificate
2.72%
2.75%
60 months
Min Deposit$500
DetailsNon-premier member rate; Traditional & Roth Certificates Rates
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
Sep 25, 20262.75%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
9-Month Certificate - Premier Member
1.49%
1.50%
9 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
9-Month Certificate - Non-premier member
1.24%
1.25%
9 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
6-Month Certificate - Premier Member
0.85%
0.85%
6 months
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
90-Day Certificate - Premier Member
0.80%
0.80%
90 days
Min Deposit$500
DetailsPremier Member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
6-Month Certificate - Non-premier member
0.60%
0.60%
6 months
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
90-Day Certificate - Non-premier member
0.55%
0.55%
90 days
Min Deposit$500
DetailsNon-premier member; minimum balance to open a certificate is $500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
12-Month Business Certificate
3.44%
3.50%
12 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
18-Month Business Certificate
2.96%
3.00%
18 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
24-Month Business Certificate
2.96%
3.00%
24 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Month Business Certificate
2.96%
3.00%
30 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
36-Month Business Certificate
2.72%
2.75%
36 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
48-Month Business Certificate
2.72%
2.75%
48 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
60-Month Business Certificate
2.72%
2.75%
60 months
Min Deposit$500
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.05%
0.05%
DetailsMinimum to earn dividends is $50
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
HSA Savings
0.05%
0.05%
Min Balance$50
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Prime Savings
0.05%
0.05%
Min Deposit$5
Min Balance$5
Details$5 minimum balance required after account opening; Minimum to earn dividends is $50
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Special Savings
0.05%
0.05%
DetailsMinimum to earn dividends is $50
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Vacation Club
0.05%
0.05%
DetailsMinimum to earn dividends is $50
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Prime Savings
0.05%
0.05%
Min Deposit$5
Min Balance$50
DetailsMinimum to earn dividends $50; *$5 minimum opening deposit required
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Business Money Market Rates
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Interest Checking Account
0.10%
0.10%
Min Balance$500
DetailsMinimum to earn dividends
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.15%
0.15%
Min Deposit$100
Min Balance$10,000
DetailsMinimum to earn dividends $10,000; *$100 minimum opening deposit
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
30-Year 5/1 ARM
6.75%
-
6.944%
30 years
DetailsAdjustable-rate mortgage; Effective Date: Monday, October 12th, 2026
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 6.94% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Year 7/1 ARM
7.125%
-
7.324%
30 years
DetailsAdjustable-rate mortgage; Effective Date: Monday, October 12th, 2026
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 7.32% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
10-Year Fixed
7.25%
-
7.70%
10 years
DetailsFixed Rate Loans - Conforming and Government
Last Updated10/12/2026
Rate History
4 changes since Sep 17, 2026 · 7.32% → 7.70% ▲ 0.38 pts · high 7.70% / low 7.32%
Oct 8, 20267.70%▲ from 7.45%
Oct 4, 20267.45%▼ from 7.70%
Oct 2, 20267.70%▲ from 7.45%
Sep 25, 20267.45%▲ from 7.32%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Year 10/1 ARM
7.50%
-
7.703%
30 years
DetailsAdjustable-rate mortgage; Effective Date: Monday, October 12th, 2026
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 7.70% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
15-Year Fixed
7.375%
-
7.801%
15 years
DetailsFixed Rate Loans - Conforming and Government
Last Updated10/12/2026
Rate History
4 changes since Sep 17, 2026 · 7.19% → 7.80% ▲ 0.61 pts · high 7.80% / low 7.19%
Oct 8, 20267.80%▲ from 7.32%
Oct 4, 20267.32%▼ from 7.80%
Oct 2, 20267.80%▲ from 7.32%
Sep 25, 20267.32%▲ from 7.19%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Private Banking Professional Mortgage - 15-Year Fixed
7.375%
-
7.801%
15 years
DetailsRates calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score.
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
20-Year Fixed
7.625%
-
7.889%
20 years
DetailsFixed Rate Loans - Conforming and Government
Last Updated10/12/2026
Rate History
5 changes since Sep 17, 2026 · 7.26% → 7.89% ▲ 0.63 pts · high 7.89% / low 7.26%
Oct 8, 20267.89%▲ from 7.64%
Oct 4, 20267.64%▼ from 7.76%
Oct 2, 20267.76%▲ from 7.64%
Sep 25, 20267.64%▲ from 7.38%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
30-Year Fixed
7.875%
-
8.083%
30 years
DetailsFixed Rate Loans - Conforming and Government
Last Updated10/12/2026
Rate History
3 changes since Sep 17, 2026 · 7.45% → 8.08% ▲ 0.63 pts · high 8.08% / low 7.45%
Oct 8, 20268.08%▲ from 7.83%
Oct 2, 20267.83%▲ from 7.70%
Sep 25, 20267.70%▲ from 7.45%
Sep 17, 20267.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
6.74%
DetailsAs Low As; $5,000 minimum; Home Equity Rates; All rates shown as Annual Percentage Rate (APR)
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loan
-
-
4.49%
DetailsAs Low As; Vehicle Loans include Autos, Boats, RVs, Motorcycles, Tractors, etc.; Model Year 2017-2027 Vehicles; Minimum amount financed: $5,000; Rates based on credit qualifications, including credit score, minimum amount financed and term; includes Premier/Access Premier relationship discount of 0.25% APR
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
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Student Loan Refinance
-
-
5.74%
10 years
DetailsAs Low As; Maximum Term; Loan Amount: $5,000 - $100,000; Rates based on credit qualifications, including credit score, minimum amount financed and term; includes automatic payment discount of 2.00% APR
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Personal Loan Rates
Product
APR
Term
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Signature Loans
12.24%
DetailsAs Low As; Amount: $1,500 minimum; Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Fort Financial Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Credit Builder Plus Loan
-
-
6.75%
DetailsAmount: $1,000 - $5,000
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Open End Line of Credit
-
-
11.90%
DetailsAmount: $500 - $8,000
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Coverdell ESA Rate
0.50%
-
0.50%
Min Balance$1
DetailsMinimum to earn dividends: $1; Effective Date: Monday, October 12th, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
IRA Share - Roth
0.50%
-
0.50%
Min Deposit$1
Details*$1 minimum opening deposit required; Minimum to earn dividends is $1
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
IRA Share - Traditional
0.50%
-
0.50%
Min Deposit$1
Details*$1 minimum opening deposit required; Minimum to earn dividends is $1
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.95%
Financial Health History
Fort Financial Federal Credit Union’s Texas Ratio fell from 20.45% in Q3 2023 to 2.95% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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
$397M
2.95%
5.0
A+
March 31, 2026
$398M
1.64%
5.0
A+
December 31, 2025
$371M
2.17%
5.0
A+
September 30, 2025
$363M
2.84%
5.0
A+
June 30, 2025
$359M
3.19%
5.0
A+
March 31, 2025
$358M
3.92%
5.0
A+
December 31, 2024
$343M
5.15%
5.0
A+
September 30, 2024
$344M
6.24%
5.0
A
June 30, 2024
$348M
9.36%
5.0
A
March 31, 2024
$357M
12.01%
5.0
A
December 31, 2023
$343M
16.09%
4.9
A-
September 30, 2023
$338M
20.45%
4.6
B
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 Fort Financial Federal 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 Fort Financial Federal 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 Fort Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameFort Financial Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,700,315
Total Uninsured Shares and Deposits > $250K (F+J)
16,700,315
Total Insured Shares and Deposits > $250K (item 17 less item K)
332,026,373
Total Interest Expense (Sum of items 6 8)
2,327,339
Share Certificates
3,716
Number of Accounts for Share Drafts
16,285
IRA KEOGH Accounts
819
Number of Accounts for Regular Shares
22,663
All other shares
4,132
Money Market Shares
613
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)
72,770,895
Total Liabilities
353,072,329
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Fort Financial Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Fort Financial Federal Credit Union
How many branches does Fort Financial Federal Credit Union operate?
Fort Financial Federal 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 Fort Financial Federal Credit Union?
Yes, to access services at Fort Financial Federal 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, Fort Financial Federal 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, Fort Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Fort Financial Federal Credit Union offer online and mobile banking?
Most modern institutions like Fort Financial Federal 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://fortfinancial.org.
Current Fort Financial Federal Credit Union Rates
12-Month CD3.50%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD2.75%
Savings0.05%
MMA2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
