What are the current interest rates at Dade County Federal Credit Union?

Current rates for Dade County Federal Credit Union include: 12-Month CD: 2.92%, 18-Month CD: 3.07%, 24-Month CD: 3.07%, 60-Month CD: 2.55%, Savings: 0.15%

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Dade County Federal Credit Union

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Dade County Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dade County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Dade County Federal Credit Union's top rates as of October 9, 2026 are 4.10% APY on its 12 Month CD, 0.15% APY on savings, 0.05% APY on checking, personal loans from 10.49% APR, and credit cards from 11.65% APR, according to rates verified by MonitorBankRates. Other Dade County Federal Credit Union CD rates include 6 Month CD at 4.00%, 18 Month CD at 3.07%, and 24 Month Share IRA CD at 3.07%. MonitorBankRates evaluates the financial stability of Dade County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.61%. Rates last updated and verified on 10/09/2026.

Dade County Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dade County Federal Credit Union? Share your experience about Dade County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Dade County Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dade County Federal Credit Union
Main Office

1500 NW 107th Ave
Sweetwater, FL 33172-2706

https://www.dcfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Dade County Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	4.02%	4.10%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Certificate	3.96%	4.00%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
18 Month Share Certificate	3.03%	3.07%	18 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
18 Month Share Certificate	3.03%	3.07%	18 month
Min Balance $10,000 Details Balance: $10,000 - $29,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
18 Month Share Certificate	3.03%	3.07%	18 month
Min Balance $30,000 Details Balance: $30,000 - over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
24 Month Share IRA Certificate	3.03%	3.07%	24 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Share Certificate	2.88%	2.92%	12 month
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.92% → 2.92% ▼ 0.00 pts · high 4.10% / low 2.92% Oct 5, 20262.92%▼ from 4.10% Sep 18, 20264.10%▲ from 2.92% Sep 14, 20262.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
12 Month Share IRA Certificate	2.88%	2.92%	12 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
36 Month Share IRA Certificate	2.52%	2.55%	36 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Share Certificate	2.52%	2.55%	60 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Share Certificate	2.52%	2.55%	60 month
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Share Certificate	2.52%	2.55%	60 month
Min Balance $40,000 Details Balance: $40,000 - $69,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Share Certificate	2.52%	2.55%	60 month
Min Balance $70,000 Details Balance: $70,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
60 Month Share Certificate	2.52%	2.55%	60 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Share Certificate	1.90%	1.91%	6 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
3 Month Share Certificate	0.70%	0.70%	3 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Savings & IRA Shares	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Club Accounts	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Savings & IRA Shares	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Club Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $499.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Club Accounts	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Savings & IRA Shares	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Savings & IRA Shares	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Checking Rates

Product	Rate	APY
Shared Draft Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Shared Draft Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.05% ▼ 0.40 pts · high 0.45% / low 0.05% Oct 5, 20260.05%▼ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Simple Business Checking	0.05%	0.05%
Min Balance $3,000 Details Balance: $3,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.25%	24 Months
Details As low as; Introductory APR Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.74%	36 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49% Sep 29, 20263.74%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	3.74%	36 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	4.24%	36 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Sep 29, 20264.24%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	4.24%	36 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	4.49%	48 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Sep 29, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	4.49%	48 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	4.74%	60 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Sep 29, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	4.74%	60 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	4.99%	66 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Sep 29, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	4.99%	66 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	4.99%	48 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Sep 29, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	4.99%	48 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	5.24%	72 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Sep 29, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	5.24%	72 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	5.24%	60 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Sep 29, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	5.24%	60 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	5.49%	75 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Sep 29, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	5.49%	75 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	5.49%	66 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Sep 29, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	5.49%	66 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	5.74%	78 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 29, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	5.74%	78 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	5.74%	72 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 29, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	5.74%	72 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	5.99%	84 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 29, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Business Auto Loan	-	-	5.99%	84 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	5.99%	75 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 29, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	5.99%	75 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Auto Loan	-	-	6.24%	78 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Sep 29, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Business Auto Loan	-	-	6.24%	78 Months
Details As Low As; Minimum Loan Amount: $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Auto Loan	-	-	6.94%	96 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69% Sep 29, 20266.94%▲ from 6.69% Sep 14, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	4.00%	up to 60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New RV Loan	-	4.75%	up to 84 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Motorcycle Loan	-	5.00%	up to 60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used RV Loan	-	5.75%	up to 60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Camping Unit & Travel Trailer Loans - New	-	6.75%	up to 72 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New Boat Loan	-	7.49%	up to 72 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Camping Unit & Travel Trailer Loans - Used	-	7.75%	up to 60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used Boat Loan	-	8.00%	up to 72 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum Credit Card	-	11.65%
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.40% → 11.65% ▲ 0.25 pts · high 11.65% / low 11.40% Oct 9, 202611.65%▲ from 11.40% Sep 14, 202611.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.49%	Up to 60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Dade County Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
County Line of Credit	-	-	10.74%	No Term
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
New - up to 72 months Loan	-	-	7.49%	up to 72 months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.49% ▲ 0.74 pts · high 7.49% / low 6.75% Oct 9, 20267.49%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Used - up to 72 months Loan	-	-	8.00%	up to 72 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Money Management	1.24%	-	1.25%
Min Balance $2,500 Details Balance: $2,500 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Money Management	1.49%	-	1.50%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Money Management	3.449%	-	3.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Money Management	3.69%	-	3.75%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Share	0.05%	-	0.05%
Min Balance $100 Details Balance: $100 - $499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Share	0.10%	-	0.10%
Min Balance $500 Details Balance: $500 - $999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Share	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Business Share	0.15%	-	0.15%
Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Management	0.40%	-	0.40%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Management	0.45%	-	0.45%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Management	0.65%	-	0.65%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Management	0.95%	-	0.95%
Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Money Management	1.05%	-	1.06%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Dade County Federal Credit Union’s Texas Ratio stayed near 1.70% in Q3 2023 to 1.61% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	1.61%	5.0	A+
March 31, 2026	$1.5B	1.30%	5.0	A+
December 31, 2025	$1.5B	2.07%	5.0	A+
September 30, 2025	$1.5B	1.54%	5.0	A+
June 30, 2025	$1.4B	1.89%	5.0	A+
March 31, 2025	$1.4B	1.36%	5.0	A+
December 31, 2024	$1.4B	1.72%	5.0	A+
September 30, 2024	$1.4B	1.79%	5.0	A+
June 30, 2024	$1.4B	1.95%	5.0	A+
March 31, 2024	$1.4B	2.07%	5.0	A+
December 31, 2023	$1.4B	1.79%	5.0	A+
September 30, 2023	$1.2B	1.70%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dade County Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dade County Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dade County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dade County Federal Credit Union

Website https://www.dcfcu.org

Address 1500 NW 107th Ave, Sweetwater, FL 33172-2706

Phone 305-471-5080

Fax 305-392-2597

President Bonnie Burrell

CEO George Joseph

Full-Time Employees 253

Part-Time Employees 2

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.61%

Return on Assets (ROA)

0.8457%

Return on Equity (ROE)

6.5952%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

1,535,328,817

Total Amount of Shares and Deposits

1,184,268,737

Total Shares and Deposits < 1 Year

1,178,225,362

Total Shares and Deposits 1 3 Years

4,774,477

Total Shares and Deposits > 3 Years

1,268,897

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

117,108,343

Total Uninsured Shares and Deposits > $250K (F+J)

117,108,343

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,067,160,394

Total Interest Expense (Sum of items 6 8)

10,054,557

Share Certificates

7,412

Number of Accounts for Share Drafts

54,291

IRA KEOGH Accounts

1,492

Number of Accounts for Regular Shares

119,903

All other shares

6,080

Non Member Deposits

Money Market Shares

2,553

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

40,708,255

Total Liabilities

1,359,893,663

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Dade County Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Dade County Federal Credit Union

How many branches does Dade County Federal Credit Union operate?

Dade County Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dade County Federal Credit Union?

Yes, to access services at Dade County Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dade County Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dade County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dade County Federal Credit Union offer online and mobile banking?

Most modern institutions like Dade County Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dcfcu.org.

Current Dade County Federal Credit Union Rates

12-Month CD2.92%
18-Month CD3.07%
24-Month CD3.07%
60-Month CD2.55%
Savings0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Dade County Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Dade County Federal Credit Union Texas Ratio

Dade County Federal Credit Union Health Trend

Dade County Federal Credit Union CD Rates

Dade County Federal Credit Union Savings Rates

Dade County Federal Credit Union Checking Rates

Dade County Federal Credit Union Business Checking Rates

Dade County Federal Credit Union Home Equity & HELOC

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Dade County Federal Credit Union RV, Boat and Powersport Loan Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Dade County Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Dade County Federal Credit Union

How many branches does Dade County Federal Credit Union operate?

Is a member application needed to join Dade County Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Dade County Federal Credit Union offer online and mobile banking?

Current Dade County Federal Credit Union Rates

Compare to Other Credit Unions