We Florida Financial Credit Union

Headquarters

Po Box 14548
Fort Lauderdale, FL 33302
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	5.50% →
1-Year CD	5.15%	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	1.76%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

We Florida Financial is an NCUA insured institution located in Fort Lauderdale, FL. It was founded in 1953 and has approximately $760.21 millions in assets.

Who can join?

The following individuals and businesses are eligible for membership at CCCU:

Anyone who lives or works in, or any business located in Broward, Palm Beach, Miami-Dade, Brevard, Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Highlands, Indian River, Lake, Lee, Manatee, Marion, Martin, Monroe, Okeechobee, Orange, Osceola, Polk, Sarasota, Seminole, St. Lucie or Volusia County, Florida

Licensed professionals and their employees

Family members of existing members

Employees of select employers throughout the membership area


NCUA Insured	Yes / State-Chartered
Charter Number #	# 61525
Date Established	1953
Assets	$760.21 million
Loans	$607.25 million
Deposits	$682.88 million
Capital	$79.41 million

Field of Membership Restrictions

Membership is open to those who live or work in Palm Beach, Broward, Miami-Dade, Alachua, Baker, Bradford, Brevard, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Flagler, Gilchrist, Glades, Hardee, Charlotte, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Levy, Manatee, Marion, Martin, Monroe, Nassau, Okeechobee, Hendry, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Union or Volusia Counties in Florida.

Deposit Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.05%	$0	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Month	3.60%	$500	-	Learn More Reviews
6 Month Jumbo	3.60%	$50,000	-	Learn More Reviews
7 Mo CD	5.26%	$500	-	Learn More Reviews
7 Mo CD	5.26%	$50,000	-	Learn More Reviews
9 Month	5.15%	$500	-	Learn More Reviews
1 Year	3.75%	$500	-	Learn More Reviews
1 Year Jumbo	5.15%	$50,000	-	Learn More Reviews
18 Month	3.75%	$500	-	Learn More Reviews
18 Month Jumbo	3.75%	$50,000	-	Learn More Reviews
20 Mo CD	1.51%	$500	-	Learn More Reviews
20 Mo CD	1.30%	$50,000	-	Learn More Reviews
31 Month Jumbo Special	2.01%	$50,000	-	Learn More Reviews
5 Year	1.76%	$500	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
IRA Shares	0.15%	$0	-	Learn MoreShow Less

Loan Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for We Florida Financial

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to We Florida Financial
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are We Florida Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

We Florida Financial Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
North Miami	145.28	A	View Lobby Hours
East Pembroke Pines	297.65	B	View Lobby Hours
Biscayne	661.33	C	View Lobby Hours
Mount Sinai	827.10	D	View Lobby Hours
Margate	958.82	E	View Lobby Hours
Sunrise	963.29	F	View Lobby Hours
Lauderhill	964.61	G	View Lobby Hours
Wilton Manors	965.87	H	View Lobby Hours
Fort Lauderdale	967.61	I	View Lobby Hours
AutoBranch	969.35	J	View Lobby Hours
Pembroke Pines	973.38	K	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

WE FLORIDA FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

We Florida Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of We Florida Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

We Florida Financial	U.S. Average
14.21%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, We Florida Financial had $10,291,058 in non-current loans and $1,515,219 in owned assets. To cover these potential losses it had $79,412,818 in net worth and $3,668,483 in loans loss reserves. That gives it a Texas Ratio of 14.21%.

Net Worth

We Florida Financial	U.S. Average
10.41%	13.93%

We Florida Financial FCU has a net worth of 10.41% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for We Florida Financial

DT

April 13, 2020 |

OMG! The worst. If you want to take your money out it is very difficult. Even though the IRS doesn't require anyone to tell why they are taking money out unless it is more than $10k these people will not give you your own money unless you tell them why you are withdrawing it. You cannot get any kind of assistance from anyone at the credit union, you have to talk to someone on the phone who is usually clueless. Run away. Bank somewhere else.

Is this review helpful? Yes:2 / No: 0