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 Miami Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Miami Federal Credit Union's 6 month Share Jumbo CD rates are at 3.80%, 12 month Share IRA CD rates are at 3.55%, 12 month Share Jumbo CD rates are at 3.55%, 6 month CD rates are at 3.55%, 12 month CD rates are at 3.29%. Miami Federal Credit Union's savings rates are at 0.10%. Miami Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Miami Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.19%. Rates last updated and verified on 08/28/2026. Miami 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 Miami Federal Credit Union? Share your experience about Miami Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Miami Federal Credit Union. 
Miami Federal Credit Union CD Rates
Miami Federal Credit Union Savings Rates
Miami Federal Credit Union Checking Rates
Miami Federal Credit Union Auto Loan Rates
Miami Federal Credit Union Credit Card Rates
Miami Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Miami 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 Miami 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 Miami Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Miami Federal Credit Union
Website
https://www.miamifcu.org
Address
51 SW 1st Ave Ste 604,
Miami, FL 33130 1611
Phone
305-377-1017
Fax
305-577-4423
President
James Tassone
CEO
Colin Betty
Full-Time Employees
11
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.19%
Return on Assets (ROA)
0.4899%
Return on Equity (ROE)
4.2250%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
46,455,303
Total Amount of Shares and Deposits
38,596,247
Total Shares and Deposits < 1 Year
37,559,158
Total Shares and Deposits 1 3 Years
924,420
Total Shares and Deposits > 3 Years
112,665
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,638,068
Total Uninsured Shares and Deposits > $250K (F+J)
2,638,068
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,958,179
Total Interest Expense (Sum of items 6 8)
466,664
Share Certificates
122
Number of Accounts for Share Drafts
1,476
IRA KEOGH Accounts
96
Number of Accounts for Regular Shares
2,826
All other shares
156
Non Member Deposits
20
Net Income (unless the amount is already included in Undivided Earnings)
227,583
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)
3,969,205
Total Liabilities
41,085,835
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Miami Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Miami Federal Credit Union
Frequently Asked Questions About Miami Federal Credit UnionHow many branches does Miami Federal Credit Union operate?Miami 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 Miami Federal Credit Union?Yes, to access services at Miami 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, Miami 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, Miami Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Miami Federal Credit Union offer online and mobile banking?Most modern institutions like Miami 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.miamifcu.org. Current Miami Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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