What are the current interest rates at Miami Federal Credit Union?

Current rates for Miami Federal Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 2.52%, 24-Month CD: 2.52%, 60-Month CD: 1.51%, Savings: 0.10%

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Miami Federal Credit Union

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Miami Federal Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

Miami Federal Credit Union's Share Jumbo CDs 6 month rates are at 3.80%, CDs 6 month rates are at 3.55%, Share IRA CDs 12 month rates are at 3.55%, Share Jumbo CDs 12 month rates are at 3.55%, CDs 12 month 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 2.24%. Rates were last updated on 03/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.24%

Excellent Lower than avg

Miami Federal Credit Union
Main

51 SW 1st Ave Ste 604
Miami, FL 33130 1611

https://www.miamifcu.org

Miami Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Jumbo Certificates 6 month	3.75%	3.80%	6
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 6 month	3.50%	3.55%	6
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share IRA Certificates 12 month	3.50%	3.55%	12
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Jumbo Certificates 12 month	3.50%	3.55%	12
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 12 month	3.25%	3.29%	12
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Jumbo Certificates 18 month	3.00%	3.03%	18
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Jumbo Certificates 24 month	2.75%	2.78%	24
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 18 month	2.50%	2.52%	18
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 24 month	2.50%	2.52%	24
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share IRA Certificates 24 month	2.50%	2.52%	24
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 30 month	2.00%	2.02%	30
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share IRA Certificates 30 month	2.00%	2.02%	30
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Jumbo Certificates 30 month	2.00%	2.02%	30
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Certificates 60 month	1.50%	1.51%	60
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share IRA Certificates 60 month	1.50%	1.51%	60
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Jumbo Certificates 60 month	1.50%	1.51%	60
Min Deposit $10,000 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Miami Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.25%	0.25%
Min Balance $10,000 Details Tiered share account rates. Share Accounts dividends are based on Average Daily Balance, Compounded Quarterly. Rates and Terms subject to change without notice. Early withdrawal penalties may apply on Share Christmas Club Accounts. Fees may reduce the earnings on the account. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Savings	0.20%	0.20%
Min Balance $5,000 Details Tiered share account rates. Share Accounts dividends are based on Average Daily Balance, Compounded Quarterly. Rates and Terms subject to change without notice. Early withdrawal penalties may apply on Share Christmas Club Accounts. Fees may reduce the earnings on the account. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Clubs (Christmas & Vacation)	0.15%	0.15%
Details Early withdrawal penalties may apply on Share Christmas Club Accounts. Fees may reduce the earnings on the account. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Savings	0.15%	0.15%
Min Balance $1,001 Details Tiered share account rates. Share Accounts dividends are based on Average Daily Balance, Compounded Quarterly. Rates and Terms subject to change without notice. Early withdrawal penalties may apply on Share Christmas Club Accounts. Fees may reduce the earnings on the account. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Savings	0.10%	0.10%
Details Tiered share account rates. Share Accounts dividends are based on Average Daily Balance, Compounded Quarterly. Rates and Terms subject to change without notice. Early withdrawal penalties may apply on Share Christmas Club Accounts. Fees may reduce the earnings on the account. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Miami Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking	0.15%	0.15%
Details Share Draft Checking account dividends are based on Average Daily Balance, Compounded Monthly. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Miami Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic VISA	-	7.99%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Share Secured VISA	-	8.99%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Miami Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Line of Credit/Signature Loan	-	9.75%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.24%

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

Number of Accounts for Regular Shares

2,826

All other shares

156

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

227,583

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,969,205

Total Liabilities

41,085,835

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Miami Federal Credit Union

Is Miami Federal Credit Union a safe place to deposit money?

Yes, Miami Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2432855059084%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How 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.