Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 University Credit Union Miami, FL Rates & Review September 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: September 22, 2026
University Credit Union Miami, FL's 2 Year CD rates are at 1.50%, 2 Year IRA CD rates are at 1.50%, 3 Year CD rates are at 1.50%, 3 Year IRA CD rates are at 1.50%, 5 Year CD rates are at 1.50%. University Credit Union Miami, FL's savings rates are at 0.10%. University Credit Union Miami, FL's money market rates are at 0.10%. 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%. 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 0.76%. Rates last updated and verified on 09/22/2026. 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 
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 0.39% in Q2 2023 to 0.76% in Q1 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
Powered by
MonitorBankRates
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
3
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
0.76%
Return on Assets (ROA)
0.0552%
Return on Equity (ROE)
0.5272%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
233,361,309
Total Amount of Shares and Deposits
206,047,454
Total Shares and Deposits < 1 Year
199,463,551
Total Shares and Deposits 1 3 Years
6,148,669
Total Shares and Deposits > 3 Years
435,234
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,523,820
Total Uninsured Shares and Deposits > $250K (F+J)
12,523,820
Total Insured Shares and Deposits > $250K (item 17 less item K)
193,523,634
Total Interest Expense (Sum of items 6 8)
450,915
Share Certificates
981
Number of Accounts for Share Drafts
6,814
IRA KEOGH Accounts
272
Number of Accounts for Regular Shares
15,331
Money Market Shares
719
Net Income (unless the amount is already included in Undivided Earnings)
128,902
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)
54,695,573
Total Liabilities
216,478,973
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for University Credit Union Miami, FL yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for University Credit Union Miami, FL
Frequently Asked Questions About University Credit Union Miami, FLHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Tremont Credit Union
Michigan United Credit Union
United Northwest Federal Credit Union
Pee Dee Federal Credit Union
Proponent Federal Credit Union
LOCAL 804
NAFT Federal Credit Union
Winslow Santa Fe Credit Union
Freedom United Federal Credit Union
Bristol Virginia School System Federal Credit Union
Polish National Credit Union
Fire Fighters Credit Union
Universal Federal Credit Union
Kaiperm Northwest Federal Credit Union
WCCU Credit Union
L and N Federal Credit Union
Port Terminal Federal Credit Union
Arabi Sugar Workers Federal Credit Union
Elizabeth Police Department Employees Federal Credit Union
Treasury Employees Federal Credit Union
Notre Dame Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking