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 University Credit Union Miami, FL Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
University Credit Union Miami, FL's CD - 2 Year rates are at 1.50%, CD - 3 Year rates are at 1.50%, CD - 5 Year rates are at 1.50%, CD - 1 Year rates are at 1.25%, CD - 6 Month rates are at 1.00%. University Credit Union Miami, FL's money market rates are at 0.30%. University Credit Union Miami, FL's Personal Loan Rates are as low as 15.99%. University Credit Union Miami, FL's Credit Card Rates are at 9.00%. University Credit Union Miami, FL's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026. 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. University Credit Union Miami, FL
West Kendall Center 13241 SW 136th St
https://ucumiami.org/en/ MIAMI, FL 33186-5822  Customer Reviews
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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
University Credit Union Miami, FL Savings Rates
University Credit Union Miami, FL Money Market Rates
University Credit Union Miami, FL Home Equity & HELOC
University Credit Union Miami, FL Auto Loan Rates
University Credit Union Miami, FL RV, Boat and Powersport Loan Rates
University Credit Union Miami, FL Credit Card Rates
University Credit Union Miami, FL Personal Loan Rates
University Credit Union Miami, FL Other Rates
Financial Health HistoryUniversity 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About University Credit Union Miami, FLDoes University Credit Union Miami, FL offer CDs?Yes. University Credit Union Miami, FL current CD rates include its CD - 2 Year at 1.50% APY, its CD - 3 Year at 1.50% APY and its CD - 5 Year at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from University Credit Union Miami, FL NCUA insured?Yes. University Credit Union Miami, FL 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 University Credit Union Miami, FL?The highest University Credit Union Miami, FL CD rate is its 2 Year IRA CD at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does University Credit Union Miami, FL offer?University Credit Union Miami, FL CD rates are 1.00% APY for a 6 month CD, 1.25% APY for a 12 month CD, 1.50% APY for a 2 year CD, 1.50% APY for a 3 year CD and 1.50% 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 University Credit Union Miami, FL for its full lineup. What is the highest money market rate at University Credit Union Miami, FL?The highest University Credit Union Miami, FL money market rate is its Money Market at 0.30% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at University Credit Union Miami, FL?The lowest University Credit Union Miami, FL auto loan rate is its New & Used Car Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at University Credit Union Miami, FL?The lowest University Credit Union Miami, FL personal loan rate is its Personal Fixed Loan at 15.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at University Credit Union Miami, FL?The lowest University Credit Union Miami, FL credit card APR is its Mastercard Secured Credit Card at 9.00% APR, verified by MonitorBankRates as of October 30, 2026. 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/. 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 University Credit Union Miami, FL rates compare?University Credit Union Miami, FL's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. University Credit Union Miami, FL's top rates are its 2 Year IRA CD at 1.50% APY, its Money Market at 0.30% APY, its Personal Fixed Loan at 15.99% APR and its Mastercard Secured Credit Card at 9.00% APR, verified by MonitorBankRates on October 30, 2026. Current University Credit Union Miami, FL Rates
Retrieved from our database of financial products. Rates subject to change.
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