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221 E Main St
Bellevue, OH 44811

Firelands Credit Union is headquartered in Bellevue and is the 24th largest credit union in the state of Ohio. It is also the 852nd largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 83 employees and 27,986 members. Firelands Credit Union's savings rates are 10X the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Huron County; Groton, Oxford, Milan, Berlin or Florence Township in Erie County; York Township in Sandusky County; Adams, Thompson, Reed or Venice Township in Seneca County or Crawford County. - See Details

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4-Year and 5-Year CD Specials at Firelands FCU - Parts of Ohio Only - 7/10/2014

Approximately a year ago, Firelands Federal Credit Union offered two short-term CD specials with very competitive rates. Firelands is continuing to offer compet ...

Reviews (1)

Great Credit Union.

I have been a member of Fireland's Federal Credit Union since 1999. It has been, and continues to be, the best banking institution I have ever used. There are no crazy hidden fees, and they have free checking. I have never had anyone be rude to me. Everyone there is happy and helpful when I go inside. Even when I am at the drive thru, they are helpful and considerate.

They offer online banking that is simple and easy to use. I now do all my banking online because they make it so easy and time saving to do so. There site is secure and I have no worries about my information get stolen and used against me.

All in all I am positive that I will be staying a member of Fireland's Federal Credit Union for the rest of my life. I don't see me being happy anywhere else.

The Credit Union is located at a fairly easy place to get to. Traffic is not congested there, and the drive thru has 5 lanes. Most banks I've seen only have 4 lanes or less. FFCU has 5 and they are all open all day long. So there is no 30 minute wait in line like at other institutions.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Firelands Credit Union had $1.4 million in non-current loans and owned real-estate with $23.42 million in equity and loan loss allowances on hand to cover it. This gives Firelands Credit Union a Texas Ratio of 5.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Firelands Credit Union experienced no significant changes from 5.27% as of March 31, 2013 to 5.96% as of March 31, 2014, resulting in a negative change of 12.94%. This indicates that the balance sheet and financial strength for Firelands Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Firelands Credit Union has increased its total deposits by $12.99 million, resulting in 6.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Firelands Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Firelands Credit Union has $228.29 million in assets with $23.42 million in equity, resulting in a capitalization level of 10.26%, which is above average.

Institution Statistics

NCUA #11674
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$228.29 million
Loans$154.36 million
Deposits$204.49 million
Equity Capital$21.86 million
Loan Loss Allowance$1.56 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$60,000
Historic Data - March 2013
Assets$213.54 million
Equity Capital$19.93 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$45,000
Profit Margin - Quarterly
Return on Assets0.44%
Return on Equity4.56%
Interest Income$2.47 million

Always verify rates and promotions with the bank or credit union. We are not Firelands Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Firelands Credit Union Savings Account Rates

5.00%--Round Up Savings Account - deposit limitations
0.30%$2,500-Christmas Club Plus+ Account
0.20%$25k-IRA Share Account
0.05%$100-Prime Share Account
0.05%$100-Business Prime Share Account
0.05%$100-All other Share Accounts
0.05%$100-Escrow Share Account
0.05%$100-Christmas Club Account
0.05%--Kids Savings Account
0.05%--Teen Club Account

Firelands Credit Union Money Market Rates

0.20%$50k-Insured Money Management Account

Firelands Credit Union Checking Account Rates

0.20%--Elite Checking Account
0.15%$50k-Interest Checking Account

Firelands Credit Union CD Rates

2.25%$500-60 Month Share Certificate
1.75%$500-48 Month Share Certificate
1.25%$500-36 Month Share Certificate
1.05%$500-30 Month Share Certificate
0.90%$500-24 Month Share Certificate
0.80%$100-24 Month Kid's & Teen Club Share Certificate
0.70%$500-18 Month Share Certificate
0.65%$500-12 Month Share Certificate
0.50%$100-12 Month Kid's & Teen Club Share Certificate
0.50%$500-12 Month Smart Saver Youth Share Certificate - Age 0 - 12
0.50%$1k-12 Month Smart Saver Youth Share Certificate - Age 13 - 18

Firelands Credit Union IRA Rates

2.25%$500-60 Month IRA Share Certificate
1.75%$500-48 Month IRA Share Certificate
1.25%$500-36 Month IRA Share Certificate
1.05%$500-30 Month IRA Share Certificate
0.90%$500-24 Month IRA Share Certificate
0.70%$500-18 Month IRA Share Certificate
0.65%$500-12 Month IRA Share Certificate

Firelands Credit Union Locations
Branch Office169 Ridge St NMonroeville, OH 44847-9428
Branch Office221 E Main StBellevue, OH 44811
Branch Office175 Cleveland RdNorwalk, OH 44857
Branch Office419 Harding Way WGalion, OH 44833
Branch Office346 Milan AveNorwalk, OH 44857
Branch Office2100 E Mansfield StBucyrus, OH 44820