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 Florida Central Credit Union Rates & Review September 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.
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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: September 14, 2026
Florida Central Credit Union's Regular and IRA: 15 month rates are at 3.85%, Regular and IRA: 11 month rates are at 3.75%, Regular and IRA: 9 month rates are at 3.50%, Regular and IRA: 24 month rates are at 2.75%, CDs - 24 month rates are at 2.75%. Florida Central Credit Union's savings rates are at 0.05%. Florida Central Credit Union's money market rates are at 0.01%. Florida Central Credit Union's Mortgages - 30 Year Fixed rates are at 5.85%, Other Mortgages - 30 Year Fixed rates are at 5.85%, Mortgages - 15 Year Fixed rates are at 5.50%, Other Mortgages - 15 Year Fixed rates are at 5.50%, Mortgages - 10 Year Fixed rates are at 5.38%. Florida Central Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Florida Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.27%. Rates last updated and verified on 09/14/2026. Florida Central 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 Central Credit Union? Share your experience about Florida Central Credit Union by leaving a review below, or read customer reviews before you decide to use Florida Central Credit Union. Florida Central Credit Union
Main Office 3333 Henderson Blvd
https://floridacentralcu.com Tampa, FL 33609-2955 
Florida Central Credit Union CD Rates
Florida Central Credit Union Savings Rates
Florida Central Credit Union Money Market Rates
Florida Central Credit Union Checking Rates
Florida Central Credit Union Mortgage Rates
Florida Central Credit Union Home Equity & HELOC
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Florida Central Credit Union RV, Boat and Powersport Loan Rates
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Florida Central Credit Union Other Rates
Financial Health HistoryFlorida Central Credit Union’s Texas Ratio fell from 4.83% in Q2 2023 to 4.27% in Q1 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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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 Florida Central 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 Central 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 Central Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Florida Central Credit Union
Website
https://floridacentralcu.com
Address
3333 Henderson Blvd,
Tampa, FL 33609-2955
Phone
813-879-3333
Fax
President
Braton Cole
CEO
Linh Dang
Full-Time Employees
130
Part-Time Employees
14
Branch Locations
13
ATM Locations
16
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
4.27%
Return on Assets (ROA)
0.0968%
Return on Equity (ROE)
1.2357%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
621,990,641
Total Amount of Shares and Deposits
589,192,179
Total Shares and Deposits < 1 Year
585,621,076
Total Shares and Deposits 1 3 Years
3,279,626
Total Shares and Deposits > 3 Years
291,476
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,891,346
Total Uninsured Shares and Deposits > $250K (F+J)
28,891,346
Total Insured Shares and Deposits > $250K (item 17 less item K)
560,300,833
Total Interest Expense (Sum of items 6 8)
1,794,092
Share Certificates
3,795
Number of Accounts for Share Drafts
25,732
IRA KEOGH Accounts
1,046
Number of Accounts for Regular Shares
87,004
All other shares
304
Non Member Deposits
5
Money Market Shares
578
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)
60,164,445
Total Liabilities
594,836,902
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Florida Central Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Florida Central Credit UnionHow many branches does Florida Central Credit Union operate?Florida Central 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 Central Credit Union?Yes, to access services at Florida Central 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 Central 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 Central Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Florida Central Credit Union offer online and mobile banking?Most modern institutions like Florida Central 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://floridacentralcu.com. Current Florida Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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