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Solutions First Federal Credit Union

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Solutions First Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Solutions First 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: September 23, 2026

Solutions First Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Solutions First Federal Credit Union, and you can see how they compare in the Solutions First Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Solutions First Federal Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 14.67%. Database rates last updated and verified on 09/23/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

14.67%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Solutions First Federal Credit Union
SOLUTIONS FIRST FEDERAL CREDIT UNION

1108 Boll Weevil Cir
Enterprise, AL 36330-1388

https://www.solutionsfirstcu.com

Current Rate Availability

We're not currently displaying rates for Solutions First Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Solutions First Federal Credit Union’s Texas Ratio rose from 11.79% in Q2 2023 to 14.67% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 4.7 and its Health Grade from B to B+. 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
March 31, 2026	$46M	14.67%	4.7	B+
December 31, 2025	$45M	14.27%	4.8	A-
September 30, 2025	$45M	13.79%	4.9	A-
June 30, 2025	$45M	14.69%	4.7	B+
March 31, 2025	$46M	14.34%	4.3	B
December 31, 2024	$46M	13.34%	4.3	B
September 30, 2024	$46M	16.04%	4.4	B
June 30, 2024	$46M	11.81%	4.6	B+
March 31, 2024	$46M	9.31%	4.6	A-
December 31, 2023	$47M	11.82%	4.5	B+
September 30, 2023	$49M	18.72%	4.1	B-
June 30, 2023	$51M	11.79%	4.0	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 Solutions First 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 Solutions First 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 Solutions First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Solutions First Federal Credit Union

Website https://www.solutionsfirstcu.com

Address 1108 Boll Weevil Cir, Enterprise, AL 36330-1388

Phone 334-347-9000

Fax 334-347-1074

President Chester Nolin

CEO Jennifer Foshee

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

B+ (89/100)

Texas Ratio

14.67%

Return on Assets (ROA)

0.0199%

Return on Equity (ROE)

0.2985%

Non-Performing Loans Ratio (NPL)

2.54%

Total Assets

45,680,590

Total Amount of Shares and Deposits

42,573,028

Total Shares and Deposits < 1 Year

41,421,625

Total Shares and Deposits 1 3 Years

1,075,684

Total Shares and Deposits > 3 Years

75,717

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

359,175

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

359,175

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

42,213,853

Total Interest Expense (Sum of items 6 8)

188,901

Share Certificates

443

Number of Accounts for Share Drafts

1,768

IRA KEOGH Accounts

134

Number of Accounts for Regular Shares

3,421

Money Market Shares

101

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,946,968

Total Liabilities

42,856,282

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Solutions First Federal Credit Union

How many branches does Solutions First Federal Credit Union operate?

Solutions First 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 Solutions First Federal Credit Union?

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

Does Solutions First Federal Credit Union offer online and mobile banking?

Most modern institutions like Solutions First 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://www.solutionsfirstcu.com.