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Florida Central Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 14, 2026
Florida Central Credit Union's top rates as of October 14, 2026 are 4.25% APY on its 15 Month Promotional CDs - Regular and IRA CD, 0.21% APY on savings, 1.25% APY on money market accounts, 2.00% APY on checking, 5.88% on its 10-Year Fixed mortgage, personal loans from 10.50% APR, and credit cards from 9.49% APR, according to rates verified by MonitorBankRates. Other Florida Central Credit Union CD rates include 15 Month CD - Regular and IRA at 4.25%, 11 Month Promotional CDs - Regular and IRA at 4.00%, and 11 Month CD - Regular and IRA at 4.00%. Other Florida Central Credit Union mortgage rates include 30-Year Fixed at 6.25%, 15-Year Fixed at 6.00%, and 20-Year Fixed at 6.12%. 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 5.46%. Rates last updated and verified on 10/14/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Florida Central Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.46%
ExcellentLower than avg
Florida Central Credit Union Texas Ratio
Florida Central Credit Union's Texas Ratio is 5.46%, which is considered excellent and is lower than the national average of 6.13%.
Florida Central Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.60% to 5.46% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Florida Central Credit Union CD Rates
Product
Rate
APY
Term
View More
15 Month Promotional Share Certificates - Regular and IRA
4.169%
4.25%
15 Months
DetailsPromotional rate; Regular and IRA
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
15 Month Share Certificate - Regular and IRA
4.169%
4.25%
15 months
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
11 Month Promotional Share Certificates - Regular and IRA
3.928%
4.00%
11 Months
DetailsPromotional rate; Regular and IRA
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
11 Month Share Certificate - Regular and IRA
3.928%
4.00%
11 months
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
9 Month Promotional Share Certificates - Regular and IRA
3.687%
3.75%
9 months
DetailsPromotional rate; Regular and IRA
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
9 Month Share Certificate - Regular and IRA
3.687%
3.75%
9 months
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
24 Month Share Certificate - Regular and IRA
2.72%
2.75%
24 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
60 Month Share Certificate - Regular and IRA
0.46%
0.46%
60 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.46% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
48 Month Share Certificate - Regular and IRA
0.41%
0.41%
48 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.41% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
36 Month Share Certificate - Regular and IRA
0.36%
0.36%
36 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.36% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
18 Month Share Certificate - Regular and IRA
0.26%
0.26%
18 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.26% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
12 Month Share Certificate - Regular and IRA
0.21%
0.21%
12 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.21% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
6 Month Share Certificate - Regular and IRA
0.16%
0.16%
6 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.16% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.21%
0.21%
No additional details.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.21% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Christmas Club
0.05%
0.05%
No additional details.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Regular Savings
0.05%
0.05%
No additional details.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.05%
0.05%
No additional details.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Money Market Rates
Product
Rate
APY
View More
Mega Money Market
1.24%
1.25%
Min Balance$40,000
DetailsBalance: $40,000 and more; Balances below $40,000 earn 0.01% APY and are subject to a $20 monthly service charge
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Mega Money Market Account
-
0.01%
DetailsBalance: $0.00 - $39,999.99; Balances below $40,000 earn 0.01% APY and are subject to a $20 monthly service charge
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 0.01% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500-$24,999.99
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000-249,999.99
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Money Market
0.01%
0.01%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000 and more
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Checking Rates
Product
Rate
APY
View More
Interest Checking
1.98%
2.00%
Min Balance$0
DetailsBalance: $0 - $15,000
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
30-Year Fixed
6.25%
-
5.99%
DetailsAs Low As; Mortgage Rates
Last Updated10/14/2026
Rate History
1 change since Oct 2, 2026 · 6.25% → 5.99% ▼ 0.26 pts · high 6.25% / low 5.99%
Oct 14, 20265.99%▼ from 6.25%
Oct 2, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
15-Year Fixed
6.00%
-
6.01%
DetailsAs Low As; Mortgage Rates
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 6.01% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
10-Year Fixed
5.875%
-
6.045%
DetailsAs Low As; Mortgage Rates
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 6.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
20-Year Fixed
6.125%
-
6.381%
DetailsAs Low As; Mortgage Rates
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.00%
18 months
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Home Equity Loan 5-Year
-
-
6.375%
60 months
DetailsAs Low As; APR as low as 6.375%
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 6.38% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Home Equity Loan 10-year
-
-
6.95%
120 months
DetailsAs Low As; APR as low as 6.950%
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 6.95% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Home Equity Loan 15-year
-
-
7.25%
180 months
DetailsAs Low As; APR as low as 7.250%
Last Updated10/14/2026
Rate History
No change since Oct 2, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan Refinance
-
-
4.99%
DetailsMove your auto loan to Floridacentral; for a limited time, no payments for 90 days
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Auto Loans - Car - New
-
-
5.50%
Up to 72 months
DetailsAs Low As; Auto loan, new car
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
New Car Loan
-
-
5.50%
72-month
No additional details.
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
Oct 14, 20265.50%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Auto Loans - Car - Used
-
-
6.25%
Up to 72 months
DetailsAs Low As; Auto loan, used car
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Used Car Loan
-
-
6.25%
72-month
No additional details.
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
Oct 14, 20266.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Mobility Vehicle - New Loan
-
-
6.99%
Up to 120 months
DetailsAs Low As
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Mobility Vehicle - Used Loan
-
-
6.99%
Up to 120 months
DetailsAs Low As
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
New Mobility Vehicle Loan
-
-
6.99%
72 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Used Mobility Vehicle Loan
-
-
6.99%
72 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans - New
-
6.99%
Up to 84 months
DetailsAs Low As; Motorcycle - New
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
New Motorcycle Loan
-
6.99%
72 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
New RV Loan
-
6.99%
Up to 120 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Recreational Vehicle - New Loan
-
6.99%
Up to 120 months
DetailsAs Low As; Recreational Vehicle Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Motorcycle Loans - Used
-
7.25%
Up to 84 months
DetailsAs Low As; Motorcycle - Used
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Recreational Vehicle - Used Loan
-
7.25%
Up to 120 months
DetailsAs Low As; Recreational Vehicle Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Used Motorcycle Loan
-
7.25%
72 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.05% → 7.25% ▲ 0.20 pts · high 7.25% / low 7.05%
Oct 10, 20267.25%▲ from 7.05%
Sep 14, 20267.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Used RV Loan
-
7.25%
Up to 120 months
DetailsNo down payment
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Credit Card Rates
Product
Rate
APR
View More
Classic Credit Card
-
9.49%
DetailsCredit Score: A+ (740+)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 9.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Classic Credit Card
-
10.49%
DetailsCredit Score: A (700-739)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Classic Credit Card
-
11.49%
DetailsCredit Score: B (600-699)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 11.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Classic Credit Card
-
12.49%
DetailsCredit Score: C (620-659) or No Score
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 12.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Classic Credit Card
-
13.49%
DetailsCredit Score: D (580-619)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 13.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
World Credit Card
-
14.25%
DetailsCredit Score: A+ (740+)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 14.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Classic Credit Card
-
14.49%
DetailsCredit Score: E (579 & Below)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 14.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
World Credit Card
-
15.25%
DetailsCredit Score: A (700-739)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 15.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
World Credit Card
-
16.25%
DetailsCredit Score: B (600-699)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 16.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
World Credit Card
-
17.25%
DetailsCredit Score: C (620-659) or No Score
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 17.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit
10.50%
Revolving
DetailsAs Low As; Term: Revolving
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 9.99% → 10.50% ▲ 0.51 pts · high 10.50% / low 9.99%
Oct 10, 202610.50%▲ from 9.99%
Sep 14, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Personal Loan
10.50%
Up to 60 months
DetailsAs Low As; Personal Loans
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 9.99% → 10.50% ▲ 0.51 pts · high 10.50% / low 9.99%
Oct 10, 202610.50%▲ from 9.99%
Sep 14, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Florida Central Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Motorsport - New Loan
-
-
6.99%
Up to 72 months
DetailsAs Low As; Motorsport Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Motorsport - Used Loan
-
-
7.25%
Up to 72 months
DetailsAs Low As; Motorsport Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
New Watersport Loan
-
-
6.99%
Up to 120 months
DetailsNo down payment; New Watercraft
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Second Home Mortgage - 10 Year Fixed
5.375%
-
6.045%
DetailsAs Low As; Second Home Mortgages
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.05% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Second Home Mortgage - 15 Year Fixed
5.50%
-
6.01%
DetailsAs Low As; Second Home Mortgages
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.01% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Second Home Mortgage - 20 Year Fixed
6.00%
-
6.318%
DetailsAs Low As; Second Home Mortgages
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.32% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Second Home Mortgage - 30 Year Fixed
5.85%
-
5.99%
DetailsAs Low As; Second Home Mortgages
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Used Watersport Loan
-
-
7.25%
Up to 120 months
DetailsNo down payment; Used Watercraft
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Watersport - New Loan
-
-
6.99%
Up to 84 months
DetailsTerm: Up to 84 months, and extended terms up to 120 months available for qualifying watercraft; As Low As; Watersport Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Watersport - Used Loan
-
-
7.25%
Up to 84 months
DetailsTerm: Up to 84 months, and extended terms up to 120 months available for qualifying watercraft; As Low As; Watersport Loans
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
$avvy $avings
0.05%
-
0.05%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.46%
Financial Health History
Florida Central Credit Union’s Texas Ratio stayed near 5.60% in Q3 2023 to 5.46% in Q2 2026, so its financial health has held steady at a healthy level 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)
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
June 30, 2026
$622M
5.46%
5.0
A+
March 31, 2026
$622M
4.27%
5.0
A+
December 31, 2025
$615M
5.28%
5.0
A+
September 30, 2025
$593M
4.09%
5.0
A+
June 30, 2025
$608M
3.47%
5.0
A+
March 31, 2025
$618M
3.88%
5.0
A+
December 31, 2024
$601M
4.25%
5.0
A+
September 30, 2024
$604M
5.40%
5.0
A+
June 30, 2024
$600M
4.89%
5.0
A+
March 31, 2024
$599M
3.68%
5.0
A+
December 31, 2023
$595M
6.58%
5.0
A
September 30, 2023
$563M
5.60%
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 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,508,884
Total Uninsured Shares and Deposits > $250K (F+J)
29,508,884
Total Insured Shares and Deposits > $250K (item 17 less item K)
559,446,395
Total Interest Expense (Sum of items 6 8)
3,718,150
Share Certificates
3,785
Number of Accounts for Share Drafts
25,714
IRA KEOGH Accounts
1,034
Number of Accounts for Regular Shares
87,535
All other shares
302
Non Member Deposits
5
Money Market Shares
571
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)
55,884,874
Total Liabilities
594,617,144
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Florida Central Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Florida Central Credit Union
Frequently Asked Questions About Florida Central Credit Union
How 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
12-Month CD0.21%
18-Month CD0.26%
24-Month CD2.75%
60-Month CD0.46%
Savings0.21%
MMA1.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
