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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 We Florida Financial Credit Union Rates & Review October 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.
Read Full Bio →
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 29, 2026
We Florida Financial Credit Union's 60-Month CD rates are at 3.50%, CD - 60 Month Business CD rates are at 3.50%, CD - 60 Month CD rates are at 3.50%, IRA CD - 60 Month CD rates are at 3.50%, Jumbo CD - 60 Month Business CD rates are at 3.50%. We Florida Financial Credit Union's savings rates are at 0.50%. We Florida Financial Credit Union's money market rates are at 3.25%. We Florida Financial Credit Union's checking rates are as high as 3.25%. We Florida Financial Credit Union's Personal Loan Rates are as low as 11.25%. 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 3.51%. Rates last updated and verified on 10/29/2026. 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. We Florida Financial Credit Union
East Pembroke Pines 9560 Pines Blvd
https://www.wefloridafinancial.com Pembroke Pines, FL 33024  Customer Reviews
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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. We Florida Financial Credit Union CD Rates
We Florida Financial Credit Union Business CD Rates
We Florida Financial Credit Union Savings Rates
We Florida Financial Credit Union Business Savings Rates
We Florida Financial Credit Union Business Money Market Rates
We Florida Financial Credit Union Checking Rates
We Florida Financial Credit Union Business Checking Rates
We Florida Financial Credit Union Home Equity & HELOC
We Florida Financial Credit Union Auto Loan Rates
We Florida Financial Credit Union RV, Boat and Powersport Loan Rates
We Florida Financial Credit Union Personal Loan Rates
We Florida Financial Credit Union Other Rates
Financial Health HistoryWe Florida Financial Credit Union’s Texas Ratio fell from 5.00% in Q3 2023 to 3.51% in Q2 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 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
116
Part-Time Employees
0
Branch Locations
6
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.51%
Return on Assets (ROA)
0.2967%
Return on Equity (ROE)
2.7651%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
700,488,878
Total Amount of Shares and Deposits
624,138,526
Total Shares and Deposits < 1 Year
607,851,329
Total Shares and Deposits 1 3 Years
14,684,592
Total Shares and Deposits > 3 Years
1,602,605
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,795,846
Total Uninsured Shares and Deposits > $250K (F+J)
43,795,846
Total Insured Shares and Deposits > $250K (item 17 less item K)
580,342,680
Total Interest Expense (Sum of items 6 8)
4,745,898
Share Certificates
7,408
Number of Accounts for Share Drafts
25,409
IRA KEOGH Accounts
1,015
Number of Accounts for Regular Shares
46,467
Money Market Shares
2,814
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)
92,862,875
Total Liabilities
647,520,167
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About We Florida Financial Credit UnionDoes We Florida Financial Credit Union offer CDs?Yes. We Florida Financial Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 29, 2026 include 3.50% APY on its 60-Month CD, 3.50% APY on its CD - 60 Month Business CD and 3.50% APY on its CD - 60 Month CD. Are CDs from We Florida Financial Credit Union NCUA insured?Yes. We Florida Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at We Florida Financial Credit Union?The highest CD rate MonitorBankRates has verified for We Florida Financial Credit Union is 3.50% APY on its 60-Month CD, as of October 29, 2026. What CD terms does We Florida Financial Credit Union offer?The We Florida Financial Credit Union CD terms MonitorBankRates tracks include 12 month, 2 year and 5 year terms. The institution may offer other terms or specials that are not listed here, so check with We Florida Financial Credit Union for its full lineup. What is the highest savings rate at We Florida Financial Credit Union?The highest savings rate MonitorBankRates has verified for We Florida Financial Credit Union is 0.50% APY on its IRA Savings, as of October 29, 2026. What is the highest money market rate at We Florida Financial Credit Union?The highest money market rate MonitorBankRates has verified for We Florida Financial Credit Union is 3.25% APY on its Money Market - Personal & Business, as of October 29, 2026. What is the highest checking rate at We Florida Financial Credit Union?The highest checking rate MonitorBankRates has verified for We Florida Financial Credit Union is 3.25% APY on its Ultra Checking, as of October 29, 2026. What is the lowest auto loan rate at We Florida Financial Credit Union?The lowest auto loan rate MonitorBankRates has verified for We Florida Financial Credit Union is 4.69% APR on its New Auto Loan, as of October 29, 2026. What is the lowest personal loan rate at We Florida Financial Credit Union?The lowest personal loan rate MonitorBankRates has verified for We Florida Financial Credit Union is 11.25% APR on its Personal Loan, as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do We Florida Financial Credit Union rates compare?We Florida Financial Credit Union's top rates are 3.50% APY on its 60-Month CD, 0.50% APY on its IRA Savings, 3.25% APY on its Money Market - Personal & Business, 3.25% APY on its Ultra Checking and 11.25% APR on its Personal Loan, verified by MonitorBankRates on October 29, 2026. Current We Florida Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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