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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FICARE Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 26, 2026
FICARE's 2 Year CD rates are at 4.15%, 5 Year CD rates are at 4.05%, 1 Year CD rates are at 4.00%, 4 Year CD rates are at 3.95%, IRA CD - 2 Years rates are at 3.95%. FICARE's savings rates are at 0.85%. FICARE's checking rates are as high as 6.00%. FICARE's RV, Boat and Powersport Loan Rates are as low as 6.99%. MonitorBankRates evaluates the financial stability of FICARE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 10/26/2026. FICARE 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 FICARE? Share your experience about FICARE by leaving a review below, or read customer reviews before you decide to use FICARE. 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. FICARE CD Rates
FICARE Savings Rates
FICARE Money Market Rates
FICARE Checking Rates
FICARE RV, Boat and Powersport Loan Rates
Financial Health HistoryFICARE’s Texas Ratio rose from 3.86% in Q3 2023 to 4.42% 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; 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)
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FICARE 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 FICARE 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 FICARE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FICARE
Website
https://www.ficarefcu.org
Address
26644 Silver Maple Pkwy,
Wesley Chapel, FL 33544
Phone
813-600-5920
Fax
President
Thomas Garthwaite
CEO
Denelle Miller
Full-Time Employees
27
Part-Time Employees
0
Branch Locations
5
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.42%
Return on Assets (ROA)
0.1077%
Return on Equity (ROE)
0.8237%
Non-Performing Loans Ratio (NPL)
0.94%
Total Assets
77,429,736
Total Amount of Shares and Deposits
65,681,973
Total Shares and Deposits < 1 Year
59,453,928
Total Shares and Deposits 1 3 Years
5,861,767
Total Shares and Deposits > 3 Years
366,280
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,941,051
Total Uninsured Shares and Deposits > $250K (F+J)
3,941,051
Total Insured Shares and Deposits > $250K (item 17 less item K)
61,740,922
Total Interest Expense (Sum of items 6 8)
283,099
Share Certificates
341
Number of Accounts for Share Drafts
6,016
IRA KEOGH Accounts
63
Number of Accounts for Regular Shares
10,467
Money Market Shares
104
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)
6,481,021
Total Liabilities
66,219,700
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for FICARE yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for FICARE
Frequently Asked Questions About FICAREDoes FICARE offer CDs?Yes. FICARE offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.15% APY on its 2 Year CD, 4.05% APY on its 5 Year CD and 4.00% APY on its 1 Year CD. Are CDs from FICARE NCUA insured?Yes. FICARE is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at FICARE?The highest CD rate MonitorBankRates has verified for FICARE is 4.15% APY on its 2 Year CD, as of October 26, 2026. What CD terms does FICARE offer?The FICARE CD terms MonitorBankRates tracks include 12 month, 2 year, 4 year and 5 year terms, with rates from 3.95% to 4.15% APY. The institution may offer other terms or specials that are not listed here, so check with FICARE for its full lineup. What is the highest savings rate at FICARE?The highest savings rate MonitorBankRates has verified for FICARE is 0.15% APY on its IRA Savings, as of October 26, 2026. What is the highest money market rate at FICARE?The highest money market rate MonitorBankRates has verified for FICARE is 0.85% APY on its Money Market Savings, as of October 26, 2026. What is the highest checking rate at FICARE?The highest checking rate MonitorBankRates has verified for FICARE is 0.01% APY on its Pulse Checking, as of October 26, 2026. How many branches does FICARE operate?FICARE 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 FICARE?Yes, to access services at FICARE, 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, FICARE 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, FICARE provides members with tools to manage their accounts and build a solid financial history. Does FICARE offer online and mobile banking?Most modern institutions like FICARE 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.ficarefcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do FICARE rates compare?FICARE's top rates are 4.15% APY on its 2 Year CD, 0.85% APY on its Money Market Savings, 6.00% APY on its Pulse Plus Checking and 6.99% APR on its New/Used Boat or RV Loan, verified by MonitorBankRates on October 26, 2026. Current FICARE Rates
Retrieved from our database of financial products. Rates subject to change.
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