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

Current rates for Monroe County Teachers Federal Credit Union include: 12-Month CD: 2.00%, 24-Month CD: 2.50%, 60-Month CD: 4.00%

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Monroe County Teachers Federal Credit Union

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Monroe County Teachers Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monroe 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: August 31, 2026

Monroe County Teachers Federal Credit Union's 60 Month min. rates are at 4.00%, 48 Month IRA CD min rates are at 3.75%, 48 Month min. rates are at 3.75%, 36 Month IRA CD min rates are at 3.50%, 36 Month min. rates are at 3.50%. Monroe County Teachers Federal Credit Union's Personal Loan Rates are at 11.00%. MonitorBankRates evaluates the financial stability of Monroe County Teachers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.08%. Rates last updated and verified on 08/31/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.08%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Monroe County Teachers Federal Credit Union
Monroe County Teachers FCU

1442 Kennedy Dr
Key West, FL 33040

https://monroecountyteachersfcu.org

Monroe County Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month min.	-	4.00%	60 Month
Min Balance $10,000 Details $10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
48 Month IRA CD min	-	3.75%	48 Month
Min Balance $20,000 Details $20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
48 Month min.	-	3.75%	48 Month
Min Balance $10,000 Details $10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
36 Month IRA CD min	-	3.50%	36 Month
Min Balance $20,000 Details $20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
36 Month min.	-	3.50%	36 Month
Min Balance $10,000 Details $10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
24 Month IRA CD min	-	2.50%	24 Month
Min Balance $20,000 Details $20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
24 Month min.	-	2.50%	24 Month
Min Balance $10,000 Details $10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
12 Month IRA CD min	-	2.00%	12 Month
Min Balance $20,000 Details $20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
12 Month min.	-	2.00%	12 Month
Min Balance $10,000 Details $10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%

Monroe County Teachers Federal Credit Union Savings Rates

Product	Rate	APY
IRA Clubs	-	0.25%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Regular Clubs	-	0.25%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%

Monroe County Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.25%	12 - 24
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
New Vehicles Loan	-	-	4.50%	36
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
New Vehicles Loan	-	-	4.75%	48
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
New Vehicles Loan	-	-	5.00%	60
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Used Vehicles 1-2 yrs. old Loan	-	-	5.00%	2 Yrs
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
New Vehicles Loan	-	-	5.25%	72
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
New Vehicles Loan	-	-	5.50%	84
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Used Vehicles 1-2 yrs. old Loan	-	-	5.50%	36
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Used Vehicles 1-2 yrs. old Loan	-	-	6.00%	48
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Used Vehicles 1-2 yrs. old Loan	-	-	6.50%	60
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%
Used Vehicles 3 years & Older Loan	-	-	7.00%	3 Years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%

Monroe County Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.00%
Details Max. $6,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.08%

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

Monroe County Teachers Federal Credit Union’s Texas Ratio rose from 0.36% in Q2 2023 to 7.08% in Q1 2026, so its financial health has weakened 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 amber line marks the 15% level a credit union must stay under 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 threshold

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	$25M	7.08%	5.0	A
December 31, 2025	$26M	8.33%	5.0	A
September 30, 2025	$27M	4.57%	5.0	A+
June 30, 2025	$26M	9.95%	5.0	A
March 31, 2025	$27M	9.58%	5.0	A
December 31, 2024	$26M	8.41%	5.0	A
September 30, 2024	$25M	4.04%	5.0	A+
June 30, 2024	$26M	1.50%	5.0	A+
March 31, 2024	$25M	2.44%	5.0	A+
December 31, 2023	$25M	1.01%	5.0	A+
September 30, 2023	$26M	0.10%	5.0	A+
June 30, 2023	$24M	0.36%	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 Monroe 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 Monroe 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 Monroe County Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Monroe County Teachers Federal Credit Union

Website https://monroecountyteachersfcu.org

Address 1442 Kennedy Dr, Key West, FL 33040

Phone 305-296-8546

Fax 305-293-9588

President Catherine Catena

CEO Cary Csombok

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.08%

Return on Assets (ROA)

-0.5260%

Return on Equity (ROE)

-5.5591%

Non-Performing Loans Ratio (NPL)

1.13%

Total Assets

25,120,829

Total Amount of Shares and Deposits

22,641,126

Total Shares and Deposits < 1 Year

16,637,569

Total Shares and Deposits 1 3 Years

4,293,068

Total Shares and Deposits > 3 Years

1,710,489

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

711,464

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

711,464

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

21,929,662

Total Interest Expense (Sum of items 6 8)

160,984

Share Certificates

146

Number of Accounts for Share Drafts

921

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,179

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

-132,129

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)

5,841,459

Total Liabilities

22,765,772

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Monroe County Teachers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Monroe County Teachers Federal Credit Union

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

Monroe 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 Monroe County Teachers Federal Credit Union?

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

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

Most modern institutions like Monroe 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://monroecountyteachersfcu.org.