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 University Credit Union Miami, FL Rates & Review April 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: April 8, 2026
University Credit Union Miami, FL's money market rates are at 0.10%. University Credit Union Miami, FL's Personal Loan Rates are at 15.99%. 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 2.14%. Rates were last updated on 04/08/2026. 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 Savings Rates
University Credit Union Miami, FL Money Market Rates
University Credit Union Miami, FL Home Equity & HELOC
University Credit Union Miami, FL Credit Card Rates
University Credit Union Miami, FL Personal Loan Rates
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
42
Part-Time Employees
2
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+ (99/100)
Texas Ratio
2.14%
Return on Assets (ROA)
0.1863%
Return on Equity (ROE)
1.8012%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
234,893,420
Total Amount of Shares and Deposits
206,912,426
Total Shares and Deposits < 1 Year
196,249,917
Total Shares and Deposits 1 3 Years
10,136,008
Total Shares and Deposits > 3 Years
526,501
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,683,190
Total Uninsured Shares and Deposits > $250K (F+J)
11,683,190
Total Insured Shares and Deposits > $250K (item 17 less item K)
195,229,236
Total Interest Expense (Sum of items 6 8)
1,498,999
Share Certificates
997
Number of Accounts for Share Drafts
6,707
IRA KEOGH Accounts
283
Number of Accounts for Regular Shares
15,177
Money Market Shares
742
Net Income (unless the amount is already included in Undivided Earnings)
437,693
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
60,832,194
Total Liabilities
218,767,020
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About University Credit Union Miami, FLIs University Credit Union Miami, FL a safe place to deposit money?Yes, University Credit Union Miami, FL is considered a safe financial institution. With a Texas Ratio of 2.1406914962787%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 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.
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