What are the current interest rates at University Credit Union Miami, FL?

Current rates for University Credit Union Miami, FL include: 12-Month CD: 1.25%, 24-Month CD: 1.50%, 60-Month CD: 1.50%, MMA: 0.30%

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University Credit Union Miami, FL

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University Credit Union Miami, FL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University Credit Union Miami, FL 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

University Credit Union Miami, FL's top rates as of October 9, 2026 are 1.50% APY on its 2 Year IRA CD, 0.30% APY on money market accounts, personal loans from 15.99% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. Other University Credit Union Miami, FL CD rates include 2 Year CD at 1.50%, 3 Year IRA CD at 1.50%, and 3 Year CD at 1.50%. MonitorBankRates evaluates the financial stability of University Credit Union Miami, FL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.98%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

University Credit Union Miami, FL
West Kendall Center

13241 SW 136th St
MIAMI, FL 33186-5822

https://ucumiami.org/en/

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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.

University Credit Union Miami, FL CD Rates

Product	Rate	APY	Term
2 Year IRA Certificate	-	1.50%	2 Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
2 Year Share Certificate	-	1.50%	2 Year
Min Deposit $500 Min Balance $500 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: 0.98%
3 Year IRA Certificate	-	1.50%	3 Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
3 Year Share Certificate	-	1.50%	3 Year
Min Deposit $500 Min Balance $500 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: 0.98%
5 Year IRA Certificate	-	1.50%	5 Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
5 Year Share Certificate	-	1.50%	5 Year
Min Deposit $500 Min Balance $500 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: 0.98%
1 Year IRA Certificate	-	1.25%	1 Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
1 Year Share Certificate	-	1.25%	1 Year
Min Deposit $500 Min Balance $500 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: 0.98%
6 Month Share Certificate	-	1.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
91 Day Share Certificate	-	0.50%	91 Days
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
91 Days Certificate	-	0.50%	91 Days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Savings Rates

Product	Rate	APY
Holiday Club	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Vacation Club	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Money Market Rates

Product	Rate	APY
Money Market	-	0.30%
Min Balance $40,000 Details Balance: $40,000.00 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Money Market	-	0.25%
Min Balance $2,000 Details Balance: $2,000.00 - $39,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Money Market	-	0.10%
Min Balance $0 Details Balance: $0 - $1,999.99 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: 0.98%

University Credit Union Miami, FL Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan	-	-	6.25%	5 Years
Details As Low As; Max 80% LTV-Owner occupied homes and second homes. Appraised value X 80% minus mortgage= equity available Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Home Equity Loan	6.25%	-	6.25%	10 Years
Details Amount: $15,000.00 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25% Oct 5, 20266.25%▼ from 6.75% Sep 22, 20266.75%▲ from 6.25% Sep 18, 20266.25%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Home Equity Loan	-	-	6.25%	5 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Fixed Rate Home Equity Loan	-	-	6.75%	10 Years
Details As Low As; Max 80% LTV-Owner occupied homes and second homes. Appraised value X 80% minus mortgage= equity available Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Home Equity Loan	6.75%	-	6.75%	10 Years
Details Amount: $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Fixed Rate Home Equity Loan	-	-	7.25%	15 Years
Details As Low As; Max 80% LTV-Owner occupied homes and second homes. Appraised value X 80% minus mortgage= equity available Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Home Equity Loan	7.25%	-	7.25%	15 Years
Details Amount: $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used (up to 75k miles) Car Loan	4.99%	-	4.99%
Details Qualifications Required: Full Active Membership (FAM) is required to obtain the lowest promotional rate. The 4.99% APR promotional rate is available exclusively to qualifying individuals affiliated with FL International University (FIU), the University of Miami (UM), and St. Thomas University. For all other eligible borrowers, the lowest potential rate is 4.99% APR. Full Active Membership qualifications include no previous losses to University Credit Union, accounts in good standing, full direct deposit of payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic loan payments established from that checking account. FAM rates for individuals with lower eligible credit scores may be offered at rates as low as 9.99% APR. Other rates and terms may apply, and the actual rate offered may vary based on the applicable loan program, repayment term, credit profile, and other underwriting factors.; Intro rate expires: 12 months; Regular APR: 4.99% - 29.99% Last Updated 10/09/2026 Rate History No change since Sep 27, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	Up to 36 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	48 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	60 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	72 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	78 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	4.99%	84 months
Details Published APR range: As low as 4.99% . FAM Annual Percentage Rate Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 1, 20264.99%▲ from 3.99%* Sep 22, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Other Vehicle Loan	4.99%	-	4.99%
Details Qualifications Required: Full Active Membership (FAM) is required to obtain the lowest promotional rate. The 4.99% APR promotional rate is available exclusively to qualifying individuals affiliated with FL International University (FIU), the University of Miami (UM), and St. Thomas University. For all other eligible borrowers, the lowest potential rate is 4.99% APR. Full Active Membership qualifications include no previous losses to University Credit Union, accounts in good standing, full direct deposit of payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic loan payments established from that checking account. FAM rates for individuals with lower eligible credit scores may be offered at rates as low as 9.99% APR. Other rates and terms may apply, and the actual rate offered may vary based on the applicable loan program, repayment term, credit profile, and other underwriting factors.; Intro rate expires: 12 months; Regular APR: 4.99% - 29.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	Up to 36 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	48 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	60 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	72 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	78 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	4.99%	-	9.99%	84 months
Details As low as; * Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Other Vehicle Loan	9.99%	-	9.99%
Details Qualifications Required: Full Active Membership (FAM) is required to obtain the lowest promotional rate. The 4.99% APR promotional rate is available exclusively to qualifying individuals affiliated with FL International University (FIU), the University of Miami (UM), and St. Thomas University. For all other eligible borrowers, the lowest potential rate is 4.99% APR. Full Active Membership qualifications include no previous losses to University Credit Union, accounts in good standing, full direct deposit of payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic loan payments established from that checking account.; FAM rates for individuals with lower eligible credit scores may be offered at rates as low as 9.99% APR. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 9.99% ▲ 5.00 pts · high 9.99% / low 4.99% Oct 9, 20269.99%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	4.99%	Up to 84 months
Details As low as; Min $5,000/Max $30,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 4.99% ▼ 3.00 pts · high 7.99% / low 4.99% Oct 1, 20264.99%▼ from 7.99%* Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New Boat 100% Loan	-	7.99%	Up to 240 months
Details As low as*; Max $250,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New Boat Loan	-	7.99%	Up to 240 months
Details As low as*; Max $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New Camping Trailer or Motor Home Loan	-	7.99%	Up to 180 months
Details As low as*; Up to $250,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Credit Card Rates

Product	Rate	APR
Mastercard Secured	-	9.00%
Details Max $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Mastercard Classic	-	15.99%
Details Max $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Mastercard Gold	-	15.99%
Details Max $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Mastercard Platinum	-	15.99%
Details Max $30,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Personal Loan Rates

Product	APR	Term
Personal Fixed Loan	15.99%	Up to 60 months
Details As low as ** (Max $20,000) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Personal Loan	15.99%
Details As low as rate includes applicable discounts of Premier Member(.15%), Existing Direct Deposit (.25%), Automatic Payment(.25%), Existing Auto Loan with Credit Union(1.00%). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

University Credit Union Miami, FL Other Rates

Product	Rate	Points	APY/APR	Term
Home Equity Loan	-	-	6.75%	10 Years
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Home Equity Loan	-	-	7.25%	15 Years
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	Up to 36 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	48 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	60 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	72 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	78 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
New & Used (up to 75k miles) Car Loan	-	-	9.99%	84 months
Details Published APR range: As low as 9.99% **. Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
IRA Accumulation	-	-	0.50%
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%
Shares	-	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.98%

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

University Credit Union Miami, FL’s Texas Ratio stayed near 0.71% in Q3 2023 to 0.98% 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	$229M	0.98%	5.0	A+
March 31, 2026	$233M	0.76%	5.0	A+
December 31, 2025	$234M	1.35%	5.0	A+
September 30, 2025	$235M	2.07%	5.0	A+
June 30, 2025	$235M	1.74%	5.0	A+
March 31, 2025	$241M	0.93%	5.0	A+
December 31, 2024	$239M	0.85%	5.0	A+
September 30, 2024	$243M	0.33%	5.0	A+
June 30, 2024	$249M	0.24%	5.0	A+
March 31, 2024	$256M	0.92%	5.0	A+
December 31, 2023	$256M	0.80%	5.0	A+
September 30, 2023	$262M	0.71%	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 University Credit Union Miami, FL 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 University Credit Union Miami, FL 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 University Credit Union Miami, FL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University Credit Union Miami, FL

Website https://ucumiami.org/en/

Address 13241 SW 136th St, MIAMI, FL 33186-5822

Phone 786-425-5000

Fax 305-534-4543

President Scott Ingold

CEO Albert Rose

Full-Time Employees 38

Part-Time Employees 0

Branch Locations 4

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.98%

Return on Assets (ROA)

0.1121%

Return on Equity (ROE)

1.0429%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

228,661,219

Total Amount of Shares and Deposits

202,369,621

Total Shares and Deposits < 1 Year

197,177,730

Total Shares and Deposits 1 3 Years

4,649,873

Total Shares and Deposits > 3 Years

542,018

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

10,862,733

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

10,862,733

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

191,506,888

Total Interest Expense (Sum of items 6 8)

841,439

Share Certificates

911

Number of Accounts for Share Drafts

6,883

IRA KEOGH Accounts

271

Number of Accounts for Regular Shares

15,492

Money Market Shares

710

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

256,325

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)

52,973,222

Total Liabilities

211,707,542

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

University Credit Union Miami, FL earned the Verified Healthy badge

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Frequently Asked Questions About University Credit Union Miami, FL

How many branches does University Credit Union Miami, FL operate?

University Credit Union Miami, FL 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 University Credit Union Miami, FL?

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

Does University Credit Union Miami, FL offer online and mobile banking?

Most modern institutions like University Credit Union Miami, FL 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://ucumiami.org/en/.

Current University Credit Union Miami, FL Rates

12-Month CD1.25%
24-Month CD1.50%
60-Month CD1.50%
MMA0.30%

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

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University Credit Union Miami, FL Rates & Review October 2026

Brian McKay

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University Credit Union Miami, FL earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About University Credit Union Miami, FL

How many branches does University Credit Union Miami, FL operate?

Is a member application needed to join University Credit Union Miami, FL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does University Credit Union Miami, FL offer online and mobile banking?

Current University Credit Union Miami, FL Rates

Compare to Other Credit Unions