What are the current interest rates at MIAMI FIREFIGHTERS?

Current rates for MIAMI FIREFIGHTERS include: 12-Month CD: 4.00%, 18-Month CD: 4.15%, 24-Month CD: 3.90%, 60-Month CD: 3.65%, Savings: 0.15%

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MIAMI FIREFIGHTERS Rates & Review September 2026

Q: How many branches does MIAMI FIREFIGHTERS operate?

MIAMI FIREFIGHTERS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join MIAMI FIREFIGHTERS?

Yes, to access services at MIAMI FIREFIGHTERS, 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.

Q: Is there a first-time homebuyer program?

Currently, MIAMI FIREFIGHTERS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MIAMI FIREFIGHTERS 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: September 22, 2026

MIAMI FIREFIGHTERS's 18 Month IRA CD rates are at 4.15%, 18 Month CDs rates are at 4.15%, 12 Month IRA CD rates are at 4.00%, 12 Month CDs rates are at 4.00%, 24 Month IRA CD rates are at 3.90%. MIAMI FIREFIGHTERS's savings rates are at 0.15%. MIAMI FIREFIGHTERS's 10 Year Fixed Rate Mortgage rates are at 5.88%, 15 Year Fixed Rate Mortgage rates are at 6.00%, 20 Year Fixed Rate Mortgage rates are at 6.38%, 30 Year Fixed Rate Mortgage rates are at 6.50%, Fixed Rate Mortgage rates are at 6.62%. MIAMI FIREFIGHTERS's Personal Loan Rates are as low as 8.40%. MIAMI FIREFIGHTERS's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of MIAMI FIREFIGHTERS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates last updated and verified on 09/22/2026.

MIAMI FIREFIGHTERS 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? Share your experience about MIAMI FIREFIGHTERS by leaving a review below, or read customer reviews before you decide to use MIAMI FIREFIGHTERS.

Verified Healthy 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

0.75%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

MIAMI FIREFIGHTERS
Miami Firefighters Federal Credit Union

1111 NW 7th St
Miami, FL 33136

http://www.mffcu.org

MIAMI FIREFIGHTERS CD Rates

Product	Rate	APY	Term
18 Month IRA Share Certificate	4.07%	4.15%	18 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
18 Month Share Certificates	4.07%	4.15%	18 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
12 Month IRA Share Certificate	3.92%	4.00%	12 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
12 Month Share Certificates	3.92%	4.00%	12 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
24 Month IRA Share Certificate	3.83%	3.90%	24 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
24 Month Share Certificates	3.83%	3.90%	24 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
6 Month IRA Share Certificate	3.78%	3.85%	6 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
6 Month Share Certificates	3.78%	3.85%	6 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
36 Month IRA Share Certificate	3.73%	3.80%	36 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
36 Month Share Certificates	3.73%	3.80%	36 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
30 Month IRA Share Certificate	3.69%	3.75%	30 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
30 Month Share Certificates	3.69%	3.75%	30 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
48 Month IRA Share Certificate	3.59%	3.65%	48 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
48 Month Share Certificates	3.59%	3.65%	48 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
60 Month IRA Share Certificate	3.59%	3.65%	60 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
60 Month Share Certificates	3.59%	3.65%	60 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Savings Rates

Product	Rate	APY	View More
Membership Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $50 Details A balance of at least one share ($5) is required to establish and maintain membership. The balance in your Membership Savings Account must not be reduced below the value of one share ($5) at any given time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate Mortgage	-	-	5.88%	10 Year
Details Fixed Rate Mortgages Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
15 Year Fixed Rate Mortgage	-	-	6.00%	15 Year
Details Fixed Rate Mortgages Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
20 Year Fixed Rate Mortgage	-	-	6.38%	20 Year
Details Fixed Rate Mortgages Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
30 Year Fixed Rate Mortgage	-	-	6.50%	30 Year
Details Fixed Rate Mortgages Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Fixed Rate Mortgage	-	-	6.63%	180 month (15 year)
Details Payment example based on a $200,000 loan. This payment example does not include mortgage insurance premiums and taxes. Actual payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Fixed Rate Mortgage	-	-	7.00%	240 month (20 year)
Details Payment example based on a $200,000 loan. This payment example does not include mortgage insurance premiums and taxes. Actual payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Fixed Rate Mortgage	-	-	7.13%	360 month (30 year)
Details Payment example based on a $200,000 loan. This payment example does not include mortgage insurance premiums and taxes. Actual payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity (Closed End - Fixed Rate) - Single Family Homes	-	-	5.25%
Details As Low As; Up to 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity "Line of Credit" (Open End-Variable Rate) - Single Family Homes	-	-	5.68%
Details As Low As; Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal plus margin with a floor rate of 4.00%. Closing costs typically range between $900 - $3,000 (Currently the CU gives you a credit of $500 for loans up to $75,000 and a credit of $1,000 for loans greater than $75,000). There are no membership fees or annual fees associated with this type of loan. Homeowners/property insurance may be required. Up to 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Fixed Rate	-	-	6.75%	180 month (15 year)
Details Payment example based on a $100,000 loan. This payment example does not include mortgage insurance premiums and taxes. Actual payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.59%	36 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	3.84%	48 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	3.99%	36 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.09%	60 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.24%	48 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.44%	66 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	4.49%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.59%	60 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.69%	72 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	4.74%	48 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	4.84%	66 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Auto Loan	-	-	4.84%	60 month
Details Payment example based on a $20,000 loan Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	5.09%	72 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Auto Loan	-	-	5.09%	72 month
Details Payment example based on a $20,000 loan Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	5.09%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	5.34%	66 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	5.44%	84 Months
Details Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	5.59%	72 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Auto Loan	-	-	5.84%	84 Months
Details Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Auto Loan	-	-	6.34%	84 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats - New Loan	-	4.75%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	4.80%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	4.85%	84 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	4.90%	108 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	4.95%	120 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	5.25%	144 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	5.30%	180 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.50%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.55%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.60%	84 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.65%	108 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.70%	120 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.75%	144 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	5.80%	180 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	5.94%	36 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	5.99%	60 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - New Loan	-	5.99%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	5.99%	36 Months
Details Rate APR* New; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	6.04%	84 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	6.09%	108 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	6.14%	120 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	6.19%	144 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - New Loan	-	6.24%	180 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - New Loan	-	6.24%	48 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - Used Loan	-	6.24%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.24%	36 Months
Details Rate APR* Used; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.24%	48 Months
Details Rate APR* New; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.29%	36 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.34%	60 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.39%	84 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.44%	108 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.49%	120 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - Used Loan	-	6.49%	48 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.49%	48 Months
Details Rate APR* Used; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.54%	144 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Boats - Used Loan	-	6.59%	180 Months
Details The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - New Loan	-	6.59%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.59%	60 Months
Details Rate APR* New; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - New Loan	-	6.84%	66 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - Used Loan	-	6.84%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - Used Loan	-	6.84%	66 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.84%	60 Months
Details Rate APR* Used; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	6.84%	66 Months
Details Rate APR* New; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - New Loan	-	7.09%	72 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	7.09%	72 Months
Details Rate APR* New; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles - Used Loan	-	7.34%	72 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Motorcycles Loan	-	7.34%	72 Months
Details Rate APR* Used; As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	10.90%
Details Fixed 10.90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Personal Loan Rates

Product	APR	Term
Personal Loans	8.40%	12 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	8.45%	24 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	8.50%	36 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	8.65%	48 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	9.00%	60 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	9.25%	66 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Personal Loans	9.50%	72 Months
Details As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

MIAMI FIREFIGHTERS Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Share	0.60%	-	0.60%
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

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.
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Financial Health History

MIAMI FIREFIGHTERS’s Texas Ratio fell from 3.09% in Q2 2023 to 0.75% in Q1 2026, so its financial health has improved and is now 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
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+
June 30, 2023	$148M	3.09%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MIAMI FIREFIGHTERS

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 21

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+ (100/100)

Texas Ratio

0.75%

Return on Assets (ROA)

0.2281%

Return on Equity (ROE)

1.8982%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

193,852,807

Total Amount of Shares and Deposits

169,958,206

Total Shares and Deposits < 1 Year

157,814,284

Total Shares and Deposits 1 3 Years

11,564,144

Total Shares and Deposits > 3 Years

579,778

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

33,699,568

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

33,699,568

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

136,258,638

Total Interest Expense (Sum of items 6 8)

829,024

Share Certificates

815

Number of Accounts for Share Drafts

3,679

IRA KEOGH Accounts

184

Number of Accounts for Regular Shares

6,987

Money Market Shares

327

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

442,250

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)

20,927,790

Total Liabilities

170,553,982

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

MIAMI FIREFIGHTERS earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About MIAMI FIREFIGHTERS

How many branches does MIAMI FIREFIGHTERS operate?

MIAMI FIREFIGHTERS 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?

Yes, to access services at MIAMI FIREFIGHTERS, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does MIAMI FIREFIGHTERS offer online and mobile banking?

Most modern institutions like MIAMI FIREFIGHTERS 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.