Credit union · NCUA insured
We Florida Financial
A $709M credit union headquartered in Pembroke Pines, FL, with 40,632 members and 5 branches in Florida. Best rates: CDs 3.50% and savings 0.45% APY.
We Florida Financial Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#45 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About We Florida Financial
Established in 1952, We Florida Financial is a credit union headquartered in Pembroke Pines, Florida.
Originally opened as Fort Lauderdale City Employees Credit Union, it later changed its name to City County Credit Union before becoming We Florida Financial.
Throughout its history, the credit union expanded by adding City of Hallandale Credit Union and merging with City of Sunrise Credit Union and EMBROCO.
- Headquarters
- 9560 Pines Blvd, Pembroke Pines, FL 33024
- NCUA charter
- 61525
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works part- or full-time in one of 46 specified Florida counties is eligible to join.
Family and household
- Individuals living elsewhere can join if they have a relative who lives or works in any of the 46 eligible Florida counties and opens an account.
Cost to join
- A minimum deposit and balance of $5 is required to open a Member Savings account.
Branches
5 branches in Florida
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Florida
5 branches
- East Pembroke PinesMain office9560 Pines Blvd, Pembroke Pines, FL 33024Directions
- Fort Lauderdale634 NE 3rd Ave, Fort Lauderdale, FL 33304Directions
- Lauderhill6079 W Oakland Park Blvd, Lauderhill, FL 33313Directions
- North Miami680 NE 124th St, North Miami, FL 33161Directions
- Sunrise8890 NW 44th St, Sunrise, FL 33351Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.65% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio10.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.65%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of We Florida Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.