What are the current interest rates at Toledo Fire Fighters Federal Credit Union?

Current rates for Toledo Fire Fighters Federal Credit Union include: 12-Month CD: 2.50%, 24-Month CD: 2.75%, Savings: 0.50%

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Toledo Fire Fighters Federal Credit Union

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Toledo Fire Fighters Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Toledo Fire Fighters 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: October 12, 2026

Toledo Fire Fighters Federal Credit Union's top rates as of October 12, 2026 are 3.00% APY on its 36 Month CD, Regular and IRA, 0.50% APY on savings, 0.01% APY on checking, personal loans from 9.15% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Toledo Fire Fighters Federal Credit Union CD rates include 24 Month CD, Regular and IRA at 2.75%, 12 Month CD, Regular and IRA at 2.50%, and 6 Month CD, Regular and IRA at 2.25%. MonitorBankRates evaluates the financial stability of Toledo Fire Fighters Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Toledo Fire Fighters Federal Credit Union
Main Office

2800 W Laskey Rd
Toledo, OH 43613-3248

https://www.tfffcu.org

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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.

Toledo Fire Fighters Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Certificate, Regular and IRA	3.00%	3.00%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Certificate, Regular and IRA	2.75%	2.75%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Certificate, Regular and IRA	2.50%	2.50%	12 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Certificate, Regular and IRA	2.25%	2.25%	6 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.50%	0.50%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Savings	0.20%	0.20%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.01%	0.01%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.49%	Up to 84 months
Details Term: Up to 84 months; Over 72 months add 0.5%; Rates shown are "as low as" based on credit score. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan	5.49%	-	5.614%	Up to 84 months
Details Term: Up to 84 months; Over 72 months add 0.50%; Rates as low as: 5.49%*; Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications. NEW & USED VEHICLES: Finance 100% or purchase price including tax and title. Monthly installments of $653.86 based on $25,000.00 loan amount over 60 months. Fixed rate. No prepayment penalty. Loan rates are subject to change All loans are subject to credit approval. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.61% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat and RV Loan	-	5.49%	Up to 144 months (over $25,000)
Details Term: Over $25,000 up to 144 months; Over 72 months add 1.0%; Rates shown are "as low as" based on credit score. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Boat and RV Loan	5.49%	5.614%	Up to 144 months (over $25,000)
Details Term: Over $25,000 up to 144 months; Over 72 months add 1.00%; Rates as low as: 5.49%*; Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications. RECREATIONAL VEHICLE LOANS: Finance 100% or purchase price including tax and title. Monthly installments of $405.79 based on $25,000.00 loan amount over 72 months. Fixed rate. No prepayment penalty. Loan rates are subject to change All loans are subject to credit approval. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum VISA	-	7.99%
Details Rate as low as 7.99%; Repayment is 2% of the balance owed; A 25-day grace period on all purchases; Worldwide acceptance Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.149%
Details Rates as low as: 8.99%; Indicates rate as low as based on credit score. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Toledo Fire Fighters Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Money Manager	0.60%	-	0.60%
Min Balance $5,000 Details Balance: $5,000 and up Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Money Manager	0.65%	-	0.65%
Min Balance $25,000 Details Balance: $25,000 and up Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Money Manager	0.70%	-	0.70%
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

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

Toledo Fire Fighters Federal Credit Union’s Texas Ratio rose from 0.18% in Q3 2023 to 0.79% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$46M	0.79%	5.0	A+
March 31, 2026	$46M	0.61%	5.0	A+
December 31, 2025	$45M	2.01%	5.0	A+
September 30, 2025	$44M	1.19%	5.0	A+
June 30, 2025	$44M	2.57%	5.0	A+
March 31, 2025	$43M	1.84%	5.0	A+
December 31, 2024	$43M	1.67%	5.0	A+
September 30, 2024	$42M	1.04%	5.0	A+
June 30, 2024	$44M	1.09%	5.0	A+
March 31, 2024	$44M	0.12%	5.0	A+
December 31, 2023	$43M	0.04%	5.0	A+
September 30, 2023	$43M	0.18%	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 Toledo Fire Fighters 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 Toledo Fire Fighters 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 Toledo Fire Fighters Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Toledo Fire Fighters Federal Credit Union

Website https://www.tfffcu.org

Address 2800 W Laskey Rd, Toledo, OH 43613-3248

Phone 419-474-7200

Fax 419-474-7343

President Mark Rajner

CEO Dawn Duncan

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 2

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+ (100/100)

Texas Ratio

0.79%

Return on Assets (ROA)

0.8744%

Return on Equity (ROE)

4.9027%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

45,512,211

Total Amount of Shares and Deposits

37,358,999

Total Shares and Deposits < 1 Year

36,883,619

Total Shares and Deposits 1 3 Years

475,380

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

63,632

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

63,632

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

37,295,367

Total Interest Expense (Sum of items 6 8)

53,587

Share Certificates

Number of Accounts for Share Drafts

1,628

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,021

All other shares

Money Market Shares

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)

9,526,777

Total Liabilities

37,394,941

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Toledo Fire Fighters Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Toledo Fire Fighters Federal Credit Union

How many branches does Toledo Fire Fighters Federal Credit Union operate?

Toledo Fire Fighters 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 Toledo Fire Fighters Federal Credit Union?

Yes, to access services at Toledo Fire Fighters 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, Toledo Fire Fighters 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, Toledo Fire Fighters Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Toledo Fire Fighters Federal Credit Union offer online and mobile banking?

Most modern institutions like Toledo Fire Fighters 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://www.tfffcu.org.