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 Monroe County Teachers Federal Credit Union Rates & Review April 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: April 18, 2026
Monroe County Teachers Federal Credit Union's 60 Month IRA CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 60 Month CDs rates are at 4.00%, 48 Month IRA CD rates are at 3.75%, 48 Month CD rates are at 3.75%. 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 5.03%. Rates were last updated on 04/18/2026. 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. Monroe County Teachers Federal Credit Union
Monroe County Teachers FCU 1442 Kennedy Dr
https://monroecountyteachersfcu.org Key West, FL 33040 
Monroe County Teachers Federal Credit Union CD Rates
Monroe County Teachers Federal Credit Union Savings Rates
Monroe County Teachers Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
Address
1442 Kennedy Dr,
Key West, FL 33040
Phone
305-296-8546
Fax
305-293-9588
President
Holly Hummell Gorman
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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.03%
Return on Assets (ROA)
0.1555%
Return on Equity (ROE)
1.6292%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
27,064,265
Total Amount of Shares and Deposits
24,392,603
Total Shares and Deposits < 1 Year
18,831,993
Total Shares and Deposits 1 3 Years
3,951,826
Total Shares and Deposits > 3 Years
1,608,785
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
556,185
Total Uninsured Shares and Deposits > $250K (F+J)
556,185
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,836,418
Total Interest Expense (Sum of items 6 8)
476,746
Share Certificates
128
Number of Accounts for Share Drafts
962
IRA KEOGH Accounts
97
Number of Accounts for Regular Shares
2,120
All other shares
115
Non Member Deposits
5
Net Income (unless the amount is already included in Undivided Earnings)
42,096
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,407,538
Total Liabilities
24,502,132
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Monroe County Teachers Federal Credit UnionIs Monroe County Teachers Federal Credit Union a safe place to deposit money?Yes, Monroe County Teachers Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0348934233483%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Monroe County Teachers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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