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We Florida Financial Credit Union Rates & Review September 2026

We Florida Financial Credit Union's 7 Month Business CD rates are at 2.90%, 7 Month CD rates are at 2.90%, 7 Month Ultra CD rates are at 2.90%, 6 Month Business CD rates are at 2.85%, 6 Month CD rates are at 2.85%. We Florida Financial Credit Union's savings rates are at 0.00%. We Florida Financial Credit Union's money market rates are at 2.90%. We Florida Financial Credit Union's Personal Loan Rates are at 16.15%. MonitorBankRates evaluates the financial stability of We Florida Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.48%. Rates last updated and verified on 08/31/2026.

We Florida Financial 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 We Florida Financial Credit Union? Share your experience about We Florida Financial Credit Union by leaving a review below, or read customer reviews before you decide to use We Florida Financial Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.48%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
We Florida Financial Credit Union
East Pembroke Pines
9560 Pines Blvd
Pembroke Pines, FL 33024
https://www.wefloridafinancial.com
Member NCUA

We Florida Financial Credit Union CD Rates

Product Rate APY Term View More
7 Month Business CD 2.86% 2.90% 7 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
7 Month CD 2.86% 2.90% 7 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
7 Month Ultra CD 2.86% 2.90% 7 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
6 Month Business CD 2.81% 2.85% 6 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
6 Month CD 2.81% 2.85% 6 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
12 Month Business CD 2.72% 2.75% 12 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
12 Month CD 2.72% 2.75% 12 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
9 Month Business CD 2.72% 2.75% 9 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
9 Month CD 2.72% 2.75% 9 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
13 Month Business CD 2.47% 2.50% 13 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
13 Month CD 2.47% 2.50% 13 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
13 Month Ultra CD 2.47% 2.50% 13 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
30 Month CD 1.53% 1.54% 30 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
36 Month IRA Boost CD 1.51% 1.52% 36 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
18 Month Business CD 1.49% 1.50% 18 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
18 Month CD 1.49% 1.50% 18 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
60 Month CD 1.02% 1.02% 60 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
24 Month Boost CD 1.01% 1.01% 24 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
30 Month Business CD 1.01% 1.01% 30 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
30 Month CD 1.01% 1.01% 30 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
30 Month Jumbo CD 1.01% 1.01% 30 Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
60 Month Business CD 1.01% 1.01% 60 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
60 Month CD 1.01% 1.01% 60 Month
Min Deposit $100
Min Balance $100
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.50% 0.50%
Min Deposit $5
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Roth IRA Savings 0.50% 0.50%
Min Deposit $5
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Club Account 0.15% 0.15%
Min Deposit $5
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Membership Savings (Required), Regular Savings 0.05% 0.05%
Min Deposit $5
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Business Savings 0.00% 0.00%
Min Deposit $100
Min Balance $200
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Money Market Rates

Product Rate APY View More
Money Market - 2.90%
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Checking Rates

Product Rate APY View More
Ultra Checking - 3.25%
Min Balance $1,500
Details Ultra Checking earns its highest APY on the first $10,000, then 1.25% APY thereafter. Min. Age: 10. Active CD Required. Max 1 Ultra Checking Account per Person.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Prime Checking 1.49% 1.50%
Min Deposit $50
Min Balance $1,500
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
emPower Business Checking 1.00% 1.00%
Min Deposit $50
Min Balance $1,500
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
emPower Checking 1.00% 1.00%
Min Deposit $50
Min Balance $500
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Fabulous 50+ Checking 1.00% 1.00%
Min Deposit $50
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Essential Business Checking 0.00% 0.00%
Min Deposit $50
Min Balance $500
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Essential Checking 0.00% 0.00%
Min Deposit $50
Min Balance $0
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line-of-Credit (HELOC) - - 6.75% Up to XX months
Details Rates and terms subject to change without notice. Terms vary based on collateral, loan amount, and credit worthiness. Ask us for details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 4.69% 12 to 48 months
Details The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Used Auto - - 4.69% 12 to 48 months
Details The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%
Used Auto - Older or 100k+ Miles - - 9.99% Up to 36 months
Details Auto with over 100,000 miles or a 2017 model year vehicle or older Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Credit Card Rates

Product Rate APR View More
Rewards Credit Card - 1.99%
Details Intro rate expires: 180 days; Regular APR: 19.99% - 29.99%. Earn 10,000 Bonus Points for Spending $1,500 in First 90 days! No Annual Fee! Convert Points to Cash Back & More High Credit Limits Available Get Purchase Security Benefits Provides Auto Rental Insurance
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

We Florida Financial Credit Union Personal Loan Rates

Product APR Term View More
Signature Rewards Card Loan 16.15%
Details Rates and terms are subject to change without notice.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.48%

Financial Health History

We Florida Financial Credit Union’s Texas Ratio fell from 4.61% in Q2 2023 to 3.48% in Q1 2026, so its financial health has improved and is now 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 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.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 4.61% A+ Q2 2023 A+ Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 3.48% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$709M3.48%5.0A+
December 31, 2025$702M3.60%5.0A+
September 30, 2025$719M4.14%5.0A+
June 30, 2025$723M5.77%5.0A+
March 31, 2025$734M7.24%5.0A
December 31, 2024$744M8.67%5.0A
September 30, 2024$755M6.82%5.0A
June 30, 2024$760M4.53%5.0A+
March 31, 2024$803M5.35%5.0A+
December 31, 2023$814M7.17%5.0A
September 30, 2023$803M5.00%5.0A+
June 30, 2023$749M4.61%5.0A+
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 We Florida Financial 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 We Florida Financial 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 We Florida Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name We Florida Financial Credit Union
Address 9560 Pines Blvd, Pembroke Pines, FL 33024
Phone 954-515-1512
Fax 954-704-8681
President Mary Ann LaRock
CEO William Spearman
Full-Time Employees 118
Part-Time Employees 0
Branch Locations 6
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+ (98/100)
Texas Ratio
3.48%
Return on Assets (ROA)
0.1014%
Return on Equity (ROE)
0.9746%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
709,021,471
Total Amount of Shares and Deposits
634,543,137
Total Shares and Deposits < 1 Year
618,272,186
Total Shares and Deposits 1 3 Years
14,241,969
Total Shares and Deposits > 3 Years
2,028,982
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
39,418,316
Total Uninsured Shares and Deposits > $250K (F+J)
39,418,316
Total Insured Shares and Deposits > $250K (item 17 less item K)
595,124,821
Total Interest Expense (Sum of items 6 8)
2,449,976
Share Certificates
7,653
Number of Accounts for Share Drafts
25,806
IRA KEOGH Accounts
1,035
Number of Accounts for Regular Shares
46,862
Money Market Shares
2,608
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)
115,348,516
Total Liabilities
657,113,437
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

We Florida Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/we-florida-financial-credit-union-rates-review-61525">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About We Florida Financial Credit Union

How many branches does We Florida Financial Credit Union operate?

We Florida Financial 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 We Florida Financial Credit Union?

Yes, to access services at We Florida Financial 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, We Florida Financial 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, We Florida Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does We Florida Financial Credit Union offer online and mobile banking?

Most modern institutions like We Florida Financial 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.wefloridafinancial.com.

Current We Florida Financial Credit Union Rates

  • 12-Month CD2.50%
  • 18-Month CD1.50%
  • 24-Month CD1.01%
  • 60-Month CD1.01%
  • Savings0.00%
  • MMA2.90%
Retrieved from our database of financial products. Rates subject to change.