--- title: "Monroe County Teachers Credit Union Rates - Florida" description: "Current vehicle loan, personal loan, and savings & cd rates from Monroe County Teachers Credit Union in Florida. Updated daily with source verification. See who can join Monroe County Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/monroe-county-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Monroe County Teachers Credit Union Rates - Florida ### Auto & vehicle rates 23 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.250% | new | Context only | | **36-Month New Auto Loan** auto_new_36mo | — APR | 4.500% | 36 mo · new | Context only | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.750% | 48 mo · new | Context only | | **Used Vehicles 1-2 yrs. old** auto_used_24mo | — APR | 5.000% | 24 mo · used | Context only | | **New Boat Loan** boat_new | — APR | 5.000% | new | Context only | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.000% | 60 mo · new | Context only | | **72-Month New Auto Loan** auto_new_72mo | — APR | 5.250% | 72 mo · new | Context only | | **Used Boats Up to 4 yrs. old** boat_used_48mo | — APR | 5.500% | 48 mo · used | Context only | | **Used Vehicles 1-2 yrs. old** auto_used_36mo | — APR | 5.500% | 36 mo · used | Context only | | **New Motorcycles (less than 2 model years old)** motorcycle_new | — APR | 5.500% | new | Context only | | **36-Month New Boat Loan** boat_new_36mo | — APR | 5.500% | 36 mo · new | Context only | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.500% | 84 mo · new | Context only | | **New Motorcycles (less than 2 model years old)** motorcycle_new_36mo | — APR | 6.000% | 36 mo · new | Context only | | **Used Vehicles 1-2 yrs. old** auto_used_48mo | — APR | 6.000% | 48 mo · used | Context only | | **Used Boats Up to 4 yrs. old** boat_used_36mo | — APR | 6.000% | 36 mo · used | Context only | | **48-Month New Boat Loan** boat_new_48mo | — APR | 6.000% | 48 mo · new | Context only | | **Used Vehicles 1-2 yrs. old** auto_used_60mo | — APR | 6.500% | 60 mo · used | Context only | | **New Motorcycles (less than 2 model years old)** motorcycle_new_48mo | — APR | 6.500% | 48 mo · new | Context only | | **Used Motorcycles Up to 4 yrs. old** motorcycle_used_48mo | — APR | 7.000% | 48 mo · used | Context only | | **Used Vehicle s 3 years & Older** auto_used_36mo | — APR | 7.000% | 36 mo · used | Context only | | **Used Motorcycles Up to 4 yrs. old** motorcycle_used_36mo | — APR | 7.500% | 36 mo · used | Context only | | **Used Boats 5 yrs.& older** boat_used_60mo | — APR | 7.500% | 60 mo · used | Context only | | **Used Motorcycles 5 yrs.& older** motorcycle_used_60mo | — APR | 9.000% | 60 mo · used | Context only | Monroe County Teachers Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.000% | — | Context only | Monroe County Teachers Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Regular Shares** savings | 0.25% APY | 0.25% | — | Context only | | **IRA Clubs** ira | 0.25% APY | 0.25% | — | Context only | | **12 Month - $10,000 min.** cd_12mo | 2.00% APY | 2.00% | 12 mo | Context only | | **12-Month IRA Certificate ($20,000+)** ira_cd_12mo | 2.00% APY | 2.00% | 12 mo | Context only | | **Coverdell Educatio Savings Club** savings | 2.50% APY | 2.50% | — | Context only | | **24 Month - $10,000 min.** cd_24mo | 2.50% APY | 2.50% | 24 mo | Context only | | **24-Month IRA Certificate ($20,000+)** ira_cd_24mo | 2.50% APY | 2.50% | 24 mo | Context only | | **36 Month - $10,000 min.** cd_36mo | 3.50% APY | 3.50% | 36 mo | Context only | | **36-Month IRA Certificate ($20,000+)** ira_cd_36mo | 3.50% APY | 3.50% | 36 mo | Context only | | **48 Month - $10,000 min.** cd_48mo | 3.75% APY | 3.75% | 48 mo | Context only | | **48-Month IRA Certificate ($20,000+)** ira_cd_48mo | 3.75% APY | 3.75% | 48 mo | Context only | | **60-Month IRA Certificate ($20,000+)** ira_cd_60mo | 4.00% APY | 4.00% | 60 mo | Context only | | **60 Month - $10,000 min.** cd_60mo | 4.00% APY | 4.00% | 60 mo | Context only | Monroe County Teachers Credit Union savings & cd rates as of November 13, 2026 Monroe County Teachers Credit Union is a credit union in Florida. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/monroe-county-teachers) , verified from [Monroe County Teachers Credit Union's official website](https://monroecountyteachersfcu.org/) Loading branch locator… ## About Monroe County Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2K Assets $25.1M Founded 1950 Locations reported 2 NCUA charter 7039 Charter type Federal credit union ### Services and member support - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Keys** Southard Street · Key West · FL · 33040 About 7.6 miles away](https://rateapi.dev/credit-unions/florida/keys) [**Southernmost** Southernmost Federal Credit Union · Key West · FL · 33040-4019 About 9.8 miles away](https://rateapi.dev/credit-unions/florida/southernmost) [**Achieva Credit Union** Hammock Cove · Naples · FL · 34112-6725 About 108.6 miles away](https://rateapi.dev/credit-unions/florida/achieva-credit-union) [**Lake Michigan** Collier · Naples · FL · 34114 About 109.5 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Space Coast** Space Coast Credit Union - Homestead · Homestead · FL · 33033-5391 About 112.4 miles away](https://rateapi.dev/credit-unions/florida/space-coast) [**Dade County** Homestead Branch · Homestead · FL · 33033 About 112.6 miles away](https://rateapi.dev/credit-unions/florida/dade-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Monroe County Teachers Credit Union Membership eligibility from Monroe County Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Monroe County Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Monroe County District School Board, Florida Keys Community College - School Monroe County School District, Keys Community College Verified from [Monroe County Teachers Credit Union's membership page](https://www.monroecountyteachersfcu.org/index.php/membership) . Final membership determination is always made by the credit union. ## Membership rules for Monroe County Teachers Credit Union Employers 3 · Schools 2 · Family 2 7 published paths to membership, last verified August 21, 2026, quoted from Monroe County Teachers Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Monroe County Teachers Federal Credit Union “Employees of this credit union” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Employee of Monroe County Teachers Federal Credit Union - Employee of Monroe County District School Board - Works in county:FL:monroe “Employees of Monroe County District School Board and Florida Keys Community College who work in Monroe County, Florida” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Employee of Monroe County District School Board and Works in Monroe County, FL - Employee of Florida Keys Community College - Works in county:FL:monroe “Employees of Monroe County District School Board and Florida Keys Community College who work in Monroe County, Florida” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Employee of Florida Keys Community College and Works in Monroe County, FL ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Monroe County School District (as written on the source page) “Students of the Monroe County School District, Keys Community College” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Student at Monroe County School District - Student of Keys Community College “Students of the Monroe County School District, Keys Community College” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Student at Keys Community College ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Family member (spouse) of a member - Family of a member spouse, parent, child, grandchild, sibling “Members of their immediate families to include relatives by blood, marriage or legal adoption, spouses, parents, children, grandchildren, and siblings” > [source ↗](https://www.monroecountyteachersfcu.org/index.php/membership) - Family member (spouse, parent, child, grandchild, sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Monroe County Teachers Credit Union? Yes No ## Work at Monroe County Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Monroe County Teachers Credit Union ranks against Florida peers. - See which AI assistants fetched Monroe County Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=monroe-county-teachers&state=florida&code=FL&name=Monroe%20County%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Monroe County Teachers Credit Union offer? Monroe County Teachers Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Monroe County Teachers Credit Union rates updated? RateAPI verifies Monroe County Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Monroe County Teachers Credit Union's rate data? Rate data is collected directly from Monroe County Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Monroe County Teachers Credit Union? Monroe County Teachers Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 3 employers and 2 schools for Monroe County Teachers Credit Union, each quoted from Monroe County Teachers Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Monroe County Teachers Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://monroecountyteachersfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Monroe County Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Monroe County Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/florida /monroe-county-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Monroe County Teachers Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/monroe-county-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp