We Florida Financial

Overview / Commentary
1982 N State Road 7
Margate, FL 33063

We Florida Financial is headquartered in Margate and is the 32nd largest credit union in the state of Florida. It is also the 536th largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 133 employees and 48,575 members at 6 locations. We Florida Financial's money market rates are 11X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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

Reviews (3)

Great Place. Great Rates.

Posted by: |

My experience was actually very positive. I opened up an Ultra Checking account online to get 5.00% on my Checking. I had some questions. So I chatted with their Live Human chat, which was awesome. and apparently is available 7 Days a Week. Overall, the process was fast and easy.


Posted by: |

While waiting on hold I started a chat. I asked whether a warranty deed was good enough proof of Fl residence if my license was from a different state. I was told yes. When I got to the bank it was sort of no for about 20 minutes but after the assistant mgr made calls it became an ok we will let you be a member but ONLY for my wife since I'm not co- owner of the condo. Next, on the phone before we went in I asked if I could be come a member as a "relative." I was told yes immediately after my wife became a member as it says on the website. Nope! Not a chance. Again, assistant mgr said absolutely not, unless I had my own separate proof I lived in Fla. They would not even let me be a joint owner on my wife's account. Waste of time.

After my follow up visit I changed my rating of this bank.

Do Not Do Business With This Bank

Posted by: |

Overall this company has almost zero customer service if you cannot get to the physical bank.
Emails and texts go unanswered, extensions they give you don't work and trying to call take hours only to not be able to reach the department you need.
Paid off my loan in early December so I didn't have to deal with them anymore, it's now May and they are reporting my account delinquent daily to credit bureau.


Health Grade Components

NCUA #61525
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.69%
Return on Equity - YTD-11.42%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$803.4MM$759.3MM
LoansQ1 2024vs Q1 2023$639.6MM$562.1MM
DepositsQ1 2024vs Q1 2023$682.2MM$688.6MM
Equity CapitalQ1 2024vs Q1 2023$48.6MM$49.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.2MM$7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.5MM$3.7MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not We Florida Financial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

We Florida Financial Savings Account Rates

5.00%*$0$10kIRA Share Savings Account
OTHER TIERS: 0.50% $10k+
5.00%*$0$10kRoth IRA Share Savings Account
OTHER TIERS: 0.50% $10k+
0.15%$0-Club Account
0.05%$0-Personal Savings Account

We Florida Financial Money Market Rates

5.00%*$0$10kPersonal Money Market Account
OTHER TIERS: 0.50% $10k+
5.00%*$0$10kBusiness Money Market Account
OTHER TIERS: 0.50% $10k+
0.45%$0-High Yield Accumulation Account
0.40%$2.5k-High Yield Investment Account

We Florida Financial Checking Account Rates

5.00%*$0$10kUltra Checking
OTHER TIERS: 1.50% $10k+
1.51%$1.5k-Prime Checking
1.00%$0-emPower Checking
1.00%$0-Fabulous 50+ Checking
1.00%$1.5k-emPower Business Checking

We Florida Financial CD Rates

4.80%$500-6 Month Business CD Special
4.80%$500-6 Month CD Special
4.80%$50k-6 Month Jumbo Business CD Special
4.80%$50k-6 Month Jumbo CD Special
4.20%$500-7 Month CD Special
4.20%$50k-7 Month Jumbo CD Special
4.20%$500-Business 7 Month CD Special
4.20%$50k-Business 7 Month Jumbo CD Special
4.05%$50k-12 Month Jumbo CD
4.05%$50k-12 Month Jumbo Business CD
4.05%$500-9 Month CD
4.05%$500-9 Month Business CD
4.05%$500-12 Month CD
4.05%$500-12 Month Business CD
4.05%$500-13 Month Business CD
4.05%$500-13 Month CD
4.05%$50k-13 Month Jumbo Business CD
4.05%$50k-13 Month Jumbo CD
2.50%$500-18 Month CD
2.50%$500-18 Month Business CD
2.50%$50k-18 Month Jumbo CD
2.50%$50k-18 Month Jumbo Business CD
2.01%$500-30 Month CD
2.01%$500-30 Month Business CD
2.01%$500-60 Month CD
2.01%$500-60 Month Business CD

We Florida Financial IRA Rates

4.05%$500-13 Month IRA Special
4.05%$10k-13 Month Jumbo IRA Special
4.05%$500-12 Month IRA Special
4.05%$10k-12 Month Jumbo IRA Special
2.54%$500-30 Month IRA
2.02%$500-60 Month IRA

We Florida Financial Locations
Branch Office8890 NW 44th StSunrise, FL 33351
Branch Office1982 N State Road 7Margate, FL 33063
Branch Office6079 W Oakland Park BlvdLauderhill, FL 33313
Branch Office634 NE 3rd AveFort Lauderdale, FL 33304
Branch Office9560 Pines BlvdPembroke Pines, FL 33024
Branch Office680 NE 124th StNorth Miami, FL 33161-5548

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