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Miami Firefighters Credit Union

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Miami Firefighters Credit Union Rates & Review November 2026

Q: What are the current interest rates at Miami Firefighters Credit Union?

Current rates for Miami Firefighters Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.15%, 24-Month CD: 3.90%, 60-Month CD: 3.65%, Savings: 0.15%, MMA: 0.20%

Q: What CD terms does Miami Firefighters Credit Union offer?

Miami Firefighters Credit Union CD rates are 3.85% APY for a 6 month CD, 4.15% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.30% APY for a 2 year CD, 3.80% APY for a 3 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Miami Firefighters Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Miami Firefighters Credit Union's 24 Month CD rates are at 4.30%, 18 Month CD rates are at 4.25%, 12 Month CD rates are at 4.15%, 6 Month CD rates are at 3.85%, 36 Month CD rates are at 3.80%. Miami Firefighters Credit Union's savings rates are at 0.15%. Miami Firefighters Credit Union's money market rates are at 0.20%. Miami Firefighters Credit Union's Fixed Rate Mortgage - 10 Year rates are at 5.88%, Fixed Rate Mortgage - 15 Year rates are at 6.00%, Fixed Rate Mortgage - 20 Year rates are at 6.38%, Fixed Rate Mortgage - 30 Year rates are at 6.50%. Miami Firefighters Credit Union's Personal Loan Rates are as low as 8.40%. Miami Firefighters Credit Union's Credit Card Rates are at 10.90%. Miami Firefighters Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Miami Firefighters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.26%. Rates last updated and verified on 10/30/2026.

Miami Firefighters 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 Firefighters Credit Union? Share your experience about Miami Firefighters Credit Union by leaving a review below, or read customer reviews before you decide to use Miami Firefighters Credit Union.

Verified Healthy 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

2.26%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Miami Firefighters Credit Union
Miami Firefighters Federal Credit Union

1111 NW 7th St
Miami, FL 33136

http://www.mffcu.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.

Miami Firefighters Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificate	4.21%	4.30%	24 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
18 Month Share Certificate	4.16%	4.25%	18 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
12 Month Share Certificate	4.07%	4.15%	12 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
18 Month IRA Share Certificate	4.07%	4.15%	18 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
12 Month IRA Share Certificate	3.92%	4.00%	12 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
24 Month IRA Share Certificate	3.83%	3.90%	24 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
6 Month IRA Share Certificate	3.78%	3.85%	6 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
6 Month Share Certificate	3.78%	3.85%	6 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
36 Month IRA Share Certificate	3.73%	3.80%	36 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
36 Month Share Certificate	3.73%	3.80%	36 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
30 Month IRA Share Certificate	3.69%	3.75%	30 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
30 Month Share Certificate	3.69%	3.75%	30 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
48 Month IRA Share Certificate	3.59%	3.65%	48 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
48 Month Share Certificate	3.59%	3.65%	48 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
60 Month IRA Share Certificate	3.59%	3.65%	60 Month
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
60 Month Share Certificate	3.59%	3.65%	60 Months
Min Balance $1,000 Details Dividend rate and APY effective Monday, October 19th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Savings Rates

Product	Rate	APY
IRA Share	0.60%	0.60%
Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Membership Savings Account	0.15%	0.15%
Min Balance $50 Details Balance: $50.00; Share Rates effective May 1st, 2025; A balance of at least one share ($5) is required to establish and maintain membership. Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Checking Rates

Product	Rate	APY	View More
Money Market Checking Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000; Effective Date: May 1st, 2025 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - 10 Year	-	-	5.875%	10 years
Details As Low As; LTV: 80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Fixed Rate Mortgage - 15 Year	-	-	6.00%	15 years
Details As Low As; LTV: 80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Fixed Rate Mortgage - 20 Year	-	-	6.375%	20 years
Details As Low As; LTV: 80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Fixed Rate Mortgage - 30 Year	-	-	6.50%	30 years
Details As Low As; LTV: 80% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity (Closed End - Fixed Rate) - Single Family Homes	-	-	5.25%
Details As Low As; LTV: Up to 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Home Equity Line of Credit (Open End-Variable Rate) - Single Family Homes	-	-	6.00%
Details As Low As; Rate range: as low as 6% up to 18.00%; LTV: Up to 80%; Variable rate may change quarterly, based on WSJ Prime Rate plus margin with a 4.00% floor rate; Closing costs typically $900 - $3,000 (CU credit of $500 for loans up to $75,000 and $1,000 for loans greater than $75,000); no membership or annual fees; Homeowners/property insurance may be required Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.68% → 6.00% ▲ 0.33 pts · high 6.00% / low 5.68% Oct 19, 20266.00%▲ from 5.68% Sep 14, 20265.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.59%	36 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 3.59% ▼ 0.65 pts · high 4.24% / low 3.59% Oct 6, 20263.59%▼ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan	-	-	3.84%	48 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 3.84% ▼ 0.90 pts · high 4.74% / low 3.84% Sep 18, 20263.84%▼ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	3.99%	36 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 3.99% ▼ 0.50 pts · high 4.49% / low 3.99% Oct 6, 20263.99%▼ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan	-	-	4.09%	60 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 4.09% ▼ 0.75 pts · high 4.84% / low 4.09% Oct 6, 20264.09%▼ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Auto Loan - 48 Months	-	-	4.24%	48 Months
Details As Low As; Auto Rates (New column pair); 0.25% payroll deduction and 0.25% direct deposit discounts apply Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.74% / low 4.24% Oct 30, 20264.24%▼ from 4.74% Oct 14, 20264.74%▲ from 4.24% Sep 22, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	4.24%	48 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.24% ▼ 0.50 pts · high 4.74% / low 4.24% Oct 6, 20264.24%▼ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan	-	-	4.44%	66 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.34% → 4.44% ▼ 0.90 pts · high 5.34% / low 4.44% Sep 18, 20264.44%▼ from 5.34% Sep 14, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 36 Months	-	-	4.49%	36 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.59% → 4.49% ▲ 0.90 pts · high 4.49% / low 3.59% Oct 19, 20264.49%▲ from 3.59% Sep 14, 20263.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan - 36 Months	-	-	4.49%	36 Months
Details As Low As; Rate APR* Used; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 19, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	4.59%	60 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.09% → 4.59% ▼ 0.50 pts · high 5.09% / low 4.59% Oct 6, 20264.59%▼ from 5.09% Sep 18, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan	-	-	4.69%	72 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 5.59% → 4.69% ▼ 0.90 pts · high 5.59% / low 4.69% Oct 6, 20264.69%▼ from 5.09% Sep 22, 20265.09%▲ from 4.69% Sep 18, 20264.69%▼ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 48 Months	-	-	4.74%	48 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.84% → 4.74% ▲ 0.90 pts · high 4.74% / low 3.84% Oct 19, 20264.74%▲ from 3.84% Sep 14, 20263.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan - 48 Months	-	-	4.74%	48 Months
Details As Low As; Rate APR* Used; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24% Oct 19, 20264.74%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Auto Loan - 66 Months	-	-	4.84%	66 Months
Details As Low As; Auto Rates (New column pair); 0.25% payroll deduction and 0.25% direct deposit discounts apply Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.84% → 4.84% ▼ 0.00 pts · high 5.34% / low 4.84% Oct 30, 20264.84%▼ from 5.34% Oct 14, 20265.34%▲ from 4.84% Sep 22, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	4.84%	66 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.34% → 4.84% ▼ 0.50 pts · high 5.34% / low 4.84% Oct 6, 20264.84%▼ from 5.34% Sep 14, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Auto Loan - 72 Months	-	-	5.09%	72 Months
Details As Low As; Auto Rates (New column pair); 0.25% payroll deduction and 0.25% direct deposit discounts apply Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 5.09% → 5.09% ▼ 0.00 pts · high 5.59% / low 5.09% Oct 30, 20265.09%▼ from 5.59% Oct 14, 20265.59%▲ from 5.09% Sep 18, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 60 Months	-	-	5.09%	60 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.09% → 5.09% ▲ 1.00 pts · high 5.09% / low 4.09% Oct 19, 20265.09%▲ from 4.09% Sep 14, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	5.09%	72 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.59% → 5.09% ▼ 0.50 pts · high 5.59% / low 5.09% Oct 6, 20265.09%▼ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 66 Months	-	-	5.34%	66 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.44% → 5.34% ▲ 0.90 pts · high 5.34% / low 4.44% Oct 19, 20265.34%▲ from 4.44% Sep 14, 20264.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan - 66 Months	-	-	5.34%	66 Months
Details As Low As; Rate APR* Used; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 5.34% ▲ 0.50 pts · high 5.34% / low 4.84% Oct 19, 20265.34%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan	-	-	5.44%	84 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.34% → 5.44% ▼ 0.90 pts · high 6.34% / low 5.44% Sep 18, 20265.44%▼ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 72 Months	-	-	5.59%	72 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 5.59% ▲ 0.90 pts · high 5.59% / low 4.69% Oct 19, 20265.59%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan - 72 Months	-	-	5.59%	72 Months
Details As Low As; Rate APR* Used; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.09% → 5.59% ▲ 0.50 pts · high 5.59% / low 5.09% Oct 19, 20265.59%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan	-	-	5.84%	84 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.34% → 5.84% ▼ 0.50 pts · high 6.34% / low 5.84% Oct 6, 20265.84%▼ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
New Auto Loan - 84 Months	-	-	6.34%	84 Months
Details As Low As; Rate APR* New; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 6.34% ▲ 0.90 pts · high 6.34% / low 5.44% Oct 19, 20266.34%▲ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Used Auto Loan - 84 Months	-	-	6.34%	84 Months
Details As Low As; Rate APR* Used; based on 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84% Oct 19, 20266.34%▲ from 5.84% Sep 14, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Loan - 36 Months	-	4.75%	36 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	4.75%	36 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.75% ▲ 0.51 pts · high 4.75% / low 4.24% Oct 19, 20264.75%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 60 Months	-	4.80%	60 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	4.80%	60 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 4.80% ▼ 0.04 pts · high 4.84% / low 4.80% Oct 19, 20264.80%▼ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 84 Months	-	4.85%	84 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	4.85%	84 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 108 Months	-	4.90%	108 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	4.90%	108 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 120 Months	-	4.95%	120 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	4.95%	120 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 144 Months	-	5.25%	144 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.25%	144 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 180 Months	-	5.30%	180 Months
Details As Low As; New; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.30%	180 Months
Details As Low As; New; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 36 Months	-	5.50%	36 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.50%	36 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 5.50% ▲ 1.26 pts · high 5.50% / low 4.24% Oct 19, 20265.50%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 60 Months	-	5.55%	60 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.55%	60 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 5.55% ▲ 0.71 pts · high 5.55% / low 4.84% Oct 19, 20265.55%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 84 Months	-	5.60%	84 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.60%	84 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 108 Months	-	5.65%	108 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.65%	108 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 120 Months	-	5.70%	120 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.70%	120 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 144 Months	-	5.75%	144 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.75%	144 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RV Loan - 180 Months	-	5.80%	180 Months
Details As Low As; Used; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
RVs Loan	-	5.80%	180 Months
Details As Low As; Used; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	5.94%	36 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	5.94%	36 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.94% ▲ 1.19 pts · high 5.94% / low 4.75% Oct 14, 20265.94%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	5.99%	60 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	5.99%	60 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.80% → 5.99% ▲ 1.19 pts · high 5.99% / low 4.80% Oct 14, 20265.99%▲ from 4.80% Sep 14, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	5.99%	36 Months
Details As Low As; New; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	6.04%	84 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	6.04%	84 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.85% → 6.04% ▲ 1.19 pts · high 6.04% / low 4.85% Oct 14, 20266.04%▲ from 4.85% Sep 14, 20264.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	6.09%	108 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	6.09%	108 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.90% → 6.09% ▲ 1.19 pts · high 6.09% / low 4.90% Oct 14, 20266.09%▲ from 4.90% Sep 14, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	6.14%	120 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	6.14%	120 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.95% → 6.14% ▲ 1.19 pts · high 6.14% / low 4.95% Oct 14, 20266.14%▲ from 4.95% Sep 14, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	6.19%	144 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	6.19%	144 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 6.19% ▲ 0.94 pts · high 6.19% / low 5.25% Oct 14, 20266.19%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - New	-	6.24%	180 Months
Details As Low As; New boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - New Loan	-	6.24%	180 Months
Details As Low As; New boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.30% → 6.24% ▲ 0.94 pts · high 6.24% / low 5.30% Oct 14, 20266.24%▲ from 5.30% Sep 14, 20265.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.24%	36 Months
Details As Low As; Used; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.24%	48 Months
Details As Low As; New; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.29%	36 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.29%	36 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.29% ▲ 0.79 pts · high 6.29% / low 5.50% Oct 14, 20266.29%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.34%	60 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.34%	60 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.55% → 6.34% ▲ 0.79 pts · high 6.34% / low 5.55% Oct 14, 20266.34%▲ from 5.55% Sep 14, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.39%	84 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.39%	84 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.60% → 6.39% ▲ 0.79 pts · high 6.39% / low 5.60% Oct 14, 20266.39%▲ from 5.60% Sep 14, 20265.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.44%	108 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.44%	108 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 6.44% ▲ 0.79 pts · high 6.44% / low 5.65% Oct 14, 20266.44%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.49%	120 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.49%	120 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.70% → 6.49% ▲ 0.79 pts · high 6.49% / low 5.70% Oct 14, 20266.49%▲ from 5.70% Sep 14, 20265.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.49%	48 Months
Details As Low As; Used; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.54%	144 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.54%	144 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.54% ▲ 0.79 pts · high 6.54% / low 5.75% Oct 14, 20266.54%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boat Loan - Used	-	6.59%	180 Months
Details As Low As; Used boat; Rate APR; 0.25% payroll deduction discount and 0.25% direct deposit discount apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Boats - Used Loan	-	6.59%	180 Months
Details As Low As; Used boat loan; based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.80% → 6.59% ▲ 0.79 pts · high 6.59% / low 5.80% Oct 14, 20266.59%▲ from 5.80% Sep 14, 20265.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.59%	60 Months
Details As Low As; New; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.84%	60 Months
Details As Low As; Used; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	6.84%	66 Months
Details As Low As; New; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	7.09%	72 Months
Details As Low As; New; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Motorcycle Loan	-	7.34%	72 Months
Details As Low As; Used; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	10.90%
Details Fixed rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

Miami Firefighters Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 12 Months	8.40%	12 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 24 Months	8.45%	24 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 36 Months	8.50%	36 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 48 Months	8.65%	48 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 60 Months	9.00%	60 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 66 Months	9.25%	66 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%
Personal Loans - 72 Months	9.50%	72 Months
Details As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.26%

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.

Financial Health History

Miami Firefighters Credit Union’s Texas Ratio rose from 1.22% in Q3 2023 to 2.26% 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	$189M	2.26%	5.0	A+
March 31, 2026	$194M	0.75%	5.0	A+
December 31, 2025	$184M	3.14%	5.0	A+
September 30, 2025	$184M	2.29%	5.0	A+
June 30, 2025	$183M	0.89%	5.0	A+
March 31, 2025	$184M	0.48%	5.0	A+
December 31, 2024	$180M	0.83%	5.0	A+
September 30, 2024	$169M	1.35%	5.0	A+
June 30, 2024	$162M	0.51%	5.0	A+
March 31, 2024	$164M	0.93%	5.0	A+
December 31, 2023	$160M	0.50%	5.0	A+
September 30, 2023	$152M	1.22%	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 Miami Firefighters 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 Firefighters 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 Firefighters Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Miami Firefighters Credit Union

Website http://www.mffcu.org

Address 1111 NW 7th St, Miami, FL 33136

Phone 305-324-4004

Fax 305-324-9881

President Terry Remland

CEO Bryan Woodward

Full-Time Employees 23

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

2.26%

Return on Assets (ROA)

0.4453%

Return on Equity (ROE)

3.5556%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

189,239,180

Total Amount of Shares and Deposits

165,109,191

Total Shares and Deposits < 1 Year

146,081,237

Total Shares and Deposits 1 3 Years

18,510,072

Total Shares and Deposits > 3 Years

517,882

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

30,353,727

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

30,353,727

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

134,755,464

Total Interest Expense (Sum of items 6 8)

1,622,658

Share Certificates

833

Number of Accounts for Share Drafts

3,728

IRA KEOGH Accounts

185

Number of Accounts for Regular Shares

7,102

Money Market Shares

632

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

842,649

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)

11,249,606

Total Liabilities

165,539,956

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Miami Firefighters Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Miami Firefighters Credit Union

Does Miami Firefighters Credit Union offer CDs?

Yes. Miami Firefighters Credit Union current CD rates include its 24 Month CD at 4.30% APY, its 18 Month CD at 4.25% APY and its 12 Month CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Miami Firefighters Credit Union NCUA insured?

Yes. Miami Firefighters Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Miami Firefighters Credit Union?

The highest Miami Firefighters Credit Union CD rate is its 24 Month CD at 4.30% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Miami Firefighters Credit Union offer?

Miami Firefighters Credit Union CD rates are 3.85% APY for a 6 month CD, 4.15% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.30% APY for a 2 year CD, 3.80% APY for a 3 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Miami Firefighters Credit Union for its full lineup.

What is the highest savings rate at Miami Firefighters Credit Union?

The highest Miami Firefighters Credit Union savings rate is its Membership Savings Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Miami Firefighters Credit Union?

The highest Miami Firefighters Credit Union money market rate is its Money Market Checking Account at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Miami Firefighters Credit Union?

The highest Miami Firefighters Credit Union checking rate is its Money Market Checking Account at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Miami Firefighters Credit Union?

The lowest Miami Firefighters Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 6.50% APR, verified by MonitorBankRates as of October 30, 2026. Miami Firefighters Credit Union mortgage rates are 6.50% APR for a 30 year mortgage, 6.375% APR for a 20 year mortgage, 6.00% APR for a 15 year mortgage and 5.875% APR for a 10 year mortgage.

What is the lowest auto loan rate at Miami Firefighters Credit Union?

The lowest Miami Firefighters Credit Union auto loan rate is its New Auto Loan at 3.59% APR, verified by MonitorBankRates as of October 30, 2026. Miami Firefighters Credit Union auto loan rates are 4.49% APR for a 36 month auto loan, 4.24% APR for a 48 month auto loan, 5.09% APR for a 60 month auto loan, 4.84% APR for a 66 month auto loan, 5.09% APR for a 72 month auto loan and 6.34% APR for an 84 month auto loan.

What is the lowest personal loan rate at Miami Firefighters Credit Union?

The lowest Miami Firefighters Credit Union personal loan rate is its Personal Loans - 12 Months at 8.40% APR, verified by MonitorBankRates as of October 30, 2026. Miami Firefighters Credit Union personal loan rates are 8.40% APR for a 12 month personal loan, 8.45% APR for a 24 month personal loan, 8.50% APR for a 36 month personal loan, 8.65% APR for a 48 month personal loan, 9.00% APR for a 60 month personal loan, 9.25% APR for a 66 month personal loan and 9.50% APR for a 72 month personal loan.

What is the lowest credit card APR at Miami Firefighters Credit Union?

The lowest Miami Firefighters Credit Union credit card APR is its Credit Card at 10.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Miami Firefighters Credit Union operate?

Miami Firefighters 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 Firefighters Credit Union?

Yes, to access services at Miami Firefighters 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 Firefighters 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 Firefighters Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Miami Firefighters Credit Union offer online and mobile banking?

Most modern institutions like Miami Firefighters 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: http://www.mffcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Miami Firefighters Credit Union rates compare?

Miami Firefighters Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. Miami Firefighters Credit Union's top rates are its 24 Month CD at 4.30% APY, its Membership Savings Account at 0.15% APY, its Money Market Checking Account at 0.20% APY, its Fixed Rate Mortgage - 10 Year at 5.875%, its Personal Loans - 12 Months at 8.40% APR and its Credit Card at 10.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Miami Firefighters Credit Union Rates

12-Month CD4.00%
18-Month CD4.15%
24-Month CD3.90%
60-Month CD3.65%
Savings0.15%
MMA0.20%

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

Compare to Other Credit Unions

Miami Firefighters Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

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Miami Firefighters Credit Union CD Rates

Miami Firefighters Credit Union Savings Rates

Miami Firefighters Credit Union Checking Rates

Miami Firefighters Credit Union Mortgage Rates

Miami Firefighters Credit Union Home Equity & HELOC

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Miami Firefighters Credit Union RV, Boat and Powersport Loan Rates

Miami Firefighters Credit Union Credit Card Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Miami Firefighters Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Miami Firefighters Credit Union

Does Miami Firefighters Credit Union offer CDs?

Are CDs from Miami Firefighters Credit Union NCUA insured?

What is the highest CD rate at Miami Firefighters Credit Union?

What CD terms does Miami Firefighters Credit Union offer?

What is the highest savings rate at Miami Firefighters Credit Union?

What is the highest money market rate at Miami Firefighters Credit Union?

What is the highest checking rate at Miami Firefighters Credit Union?

What is the lowest 30 year fixed mortgage rate at Miami Firefighters Credit Union?

What is the lowest auto loan rate at Miami Firefighters Credit Union?

What is the lowest personal loan rate at Miami Firefighters Credit Union?

What is the lowest credit card APR at Miami Firefighters Credit Union?

How many branches does Miami Firefighters Credit Union operate?

Is a member application needed to join Miami Firefighters Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Miami Firefighters Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Miami Firefighters Credit Union rates compare?

Current Miami Firefighters Credit Union Rates

Compare to Other Credit Unions