What are the current interest rates at Okaloosa County Teachers Federal Credit Union?

Current rates for Okaloosa County Teachers Federal Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 3.50%, 24-Month CD: 3.40%, Savings: 0.30%, MMA: 1.01%

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Okaloosa County Teachers Federal Credit Union

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Okaloosa County Teachers Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Okaloosa County Teachers Federal 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

Okaloosa County Teachers Federal Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 18 Month CD, 0.30% APY on savings, 1.01% APY on money market accounts, 10.00% on its Farm Equipment mortgage, personal loans from 12.50% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. Other Okaloosa County Teachers Federal Credit Union CD rates include 12 Month CD at 3.45%, 24 Month CD at 3.40%, and 30 Month CD at 3.40%. MonitorBankRates evaluates the financial stability of Okaloosa County Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.71%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.71%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Okaloosa County Teachers Federal Credit Union
Okaloosa County Teachers FCU

1126 N Ferdon Blvd
Crestview, FL 32536-1710

https://okaloosafcu.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.

Okaloosa County Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	3.45%	3.505%	18 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
12 Month Certificate	3.40%	3.453%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
24 Month Certificate	3.35%	3.403%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
30 Month Certificate	3.35%	3.403%	30 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
6 Month Certificate	3.30%	3.351%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
3 Month Certificate	3.10%	3.144%	3 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
31 Day Certificate	3.10%	3.144%	31 Days
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Savings Rates

Product	Rate	APY
Clubs	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Savings	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000.00 & Up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Money Market	0.95%	0.95%
Min Balance $25,000 Details Balance: $25,000.00-49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Money Market	0.90%	0.90%
Min Balance $10,000 Details Balance: $10,000.00-24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Money Market	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.01-2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Farm Equipment	-	-	10.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.50%	15-Year
Details variable rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	4.74%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Used Auto	-	-	5.74%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycle 1000 cc or greater Loan	-	4.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Used Motorcycle 1000 cc or greater Loan	-	5.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
New Boat Loan	-	6.25%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Used Boat Loan	-	7.25%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
New Motorcycle less than 1000 cc Loan	-	10.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
New Recreational Vehicle Loan	-	10.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Used Recreational Vehicle Loan	-	10.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Used Motorcycle less than 1000 cc Loan	-	10.25%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum	-	11.90%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
PLATINUM MASTERCARD	-	11.90%
Details The rate is variable and adjusted to the prime rate. One rate for both purchases and cash advances. No Annual Fee. 25 day Interest Free grace period on purchase. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
MasterCard Standard	-	14.64%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
MY OPPORTUNITY MASTERCARD	-	14.64%
Details Trying to establish credit? This credit card is for you! One rate for both purchases and cash advances. No Annual Fee. 25 day Interest Free grace period on purchase. You must be with your place of employment for at least 6 months to apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
SECURED MASTERCARD	-	14.64%
Details This credit card must be secured by 125% of the limit from your Savings Account. One rate for both purchases and cash advances. No Annual Fee. 25 day Interest Free grace period on purchase. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
STANDARD MASTERCARD	-	14.64%
Details One rate for both purchases and cash advances. No Annual Fee. 25 day Interest Free grace period on purchase. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.64% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.50%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

Okaloosa County Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loans	-	-	7.50%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Land Loan	-	-	8.50%	5 Year
Details APR* as low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%
Land Loan	-	-	9.00%	10 Year
Details APR* as low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.71%

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

Okaloosa County Teachers Federal Credit Union’s Texas Ratio fell from 6.81% in Q3 2023 to 5.71% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A 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	$135M	5.71%	5.0	A+
March 31, 2026	$134M	5.94%	5.0	A+
December 31, 2025	$130M	6.80%	5.0	A
September 30, 2025	$131M	5.24%	5.0	A+
June 30, 2025	$131M	5.49%	5.0	A+
March 31, 2025	$130M	8.24%	5.0	A
December 31, 2024	$128M	7.60%	5.0	A
September 30, 2024	$125M	7.55%	5.0	A
June 30, 2024	$124M	6.62%	5.0	A
March 31, 2024	$123M	7.78%	5.0	A
December 31, 2023	$122M	8.18%	5.0	A
September 30, 2023	$123M	6.81%	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 Okaloosa County Teachers 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 Okaloosa County Teachers 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 Okaloosa County Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Okaloosa County Teachers Federal Credit Union

Website https://okaloosafcu.org

Address 1126 N Ferdon Blvd, Crestview, FL 32536-1710

Phone 850-682-2225

Fax 850-682-7722

President Gail Kaltz

CEO Jerry Maughon

Full-Time Employees 29

Part-Time Employees 9

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.71%

Return on Assets (ROA)

0.1537%

Return on Equity (ROE)

1.6240%

Non-Performing Loans Ratio (NPL)

1.39%

Total Assets

135,320,376

Total Amount of Shares and Deposits

121,233,609

Total Shares and Deposits < 1 Year

117,668,100

Total Shares and Deposits 1 3 Years

3,565,508

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

885,103

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

885,103

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

120,348,506

Total Interest Expense (Sum of items 6 8)

786,994

Share Certificates

872

Number of Accounts for Share Drafts

5,793

IRA KEOGH Accounts

301

Number of Accounts for Regular Shares

9,579

Money Market Shares

167

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)

10,595,265

Total Liabilities

122,502,324

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Okaloosa County Teachers Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Okaloosa County Teachers Federal Credit Union

How many branches does Okaloosa County Teachers Federal Credit Union operate?

Okaloosa County Teachers 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 Okaloosa County Teachers Federal Credit Union?

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

Does Okaloosa County Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Okaloosa County Teachers 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://okaloosafcu.org.