What are the current interest rates at Miami Federal Credit Union?

Current rates for Miami Federal Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 2.52%, 24-Month CD: 2.52%, 60-Month CD: 1.51%, Savings: 0.10%

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Miami Federal Credit Union

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Miami Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Miami Federal Credit Union?

Yes, to access services at Miami Federal Credit Union, 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Miami Federal Credit Union 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 5, 2026

Miami Federal Credit Union's 6 month Share Jumbo CD rates are at 3.80%, 12 month Share IRA CD rates are at 3.55%, 12 month Share Jumbo CD rates are at 3.55%, 6 month CD rates are at 3.55%, 12 month CD rates are at 3.29%. Miami Federal Credit Union's savings rates are at 0.10%. Miami Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Miami Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.94%. Rates last updated and verified on 09/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Miami Federal Credit Union
Main

51 SW 1st Ave Ste 604
Miami, FL 33130-1611

https://www.miamifcu.org

Miami Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month Share Jumbo Certificate	3.75%	3.80%	6 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 month Share IRA Certificate	3.50%	3.55%	12 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Effective 12/9/2025. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 month Share Jumbo Certificate	3.50%	3.55%	12 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
6 month Share Certificate	3.50%	3.55%	6 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 month Share Certificate	3.25%	3.29%	12 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
18 month Share Jumbo Certificate	3.00%	3.03%	18 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 month Share Jumbo Certificate	2.75%	2.78%	24 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
18 month Share Certificate	2.50%	2.52%	18 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 month Share Certificate	2.50%	2.52%	24 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 month Share IRA Certificate	2.50%	2.52%	24 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Effective 12/9/2025. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30 month Share Certificate	2.00%	2.02%	30 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30 month Share IRA Certificate	2.00%	2.02%	30 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Effective 12/9/2025. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30 month Share Jumbo Certificate	2.00%	2.02%	30 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60 month Share Certificate	1.50%	1.51%	60 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60 month Share IRA Certificate	1.50%	1.51%	60 Months
Min Deposit $200 Details Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Effective 12/9/2025. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60 month Share Jumbo Certificate	1.50%	1.51%	60 Months
Min Balance $10,000 Details New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Miami Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.25%	0.25%
Min Balance $10,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Share Savings	0.20%	0.20%
Min Balance $10,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Clubs (Christmas & Vacation)	0.15%	0.15%
Details Early withdrawal penalties may apply on Share Christmas Club Accounts. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Share Savings	0.15%	0.15%
Min Balance $5,000 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Share Savings	0.10%	0.10%
Min Balance $1,001 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Miami Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking	0.15%	0.15%
Details Share Draft Checking account dividends are based on Average Daily Balance, Compounded Monthly. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Miami Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Classic VISA	-	7.99%
Details Annual Fee: $0.00 Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Miami Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit/Signature Loan	9.75%	60 Months
Details Terms stated above are for the maximum length of time allowed and do not necessarily correspond to the lowest rate shown. Rates may vary due to Credit evaluation, Term Agreement and other applicable conditions. Credit Union loans are granted on the basis of credit worthiness, ability to repay and satisfactory collateral. Advertised rates are subject to change without notice and subject to Credit Union policies. Last Updated 09/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

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

Miami Federal Credit Union’s Texas Ratio rose from 1.29% in Q2 2023 to 3.94% 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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	$44M	3.94%	5.0	A+
December 31, 2025	$46M	3.06%	5.0	A+
September 30, 2025	$46M	2.19%	5.0	A+
June 30, 2025	$46M	2.97%	5.0	A+
March 31, 2025	$43M	2.88%	5.0	A+
December 31, 2024	$42M	1.35%	5.0	A+
September 30, 2024	$43M	2.66%	5.0	A+
June 30, 2024	$45M	1.91%	5.0	A+
March 31, 2024	$46M	1.74%	5.0	A+
December 31, 2023	$45M	2.14%	5.0	A+
September 30, 2023	$44M	1.21%	5.0	A+
June 30, 2023	$43M	1.29%	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 Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Miami Federal Credit Union

Website https://www.miamifcu.org

Address 51 SW 1st Ave Ste 604, Miami, FL 33130-1611

Phone 305-377-1017

Fax 305-577-4423

President James Tassone

CEO Colin Betty

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.94%

Return on Assets (ROA)

0.0631%

Return on Equity (ROE)

0.5179%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

43,775,696

Total Amount of Shares and Deposits

38,293,636

Total Shares and Deposits < 1 Year

37,414,401

Total Shares and Deposits 1 3 Years

781,861

Total Shares and Deposits > 3 Years

97,370

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

2,472,972

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

2,472,972

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

35,820,664

Total Interest Expense (Sum of items 6 8)

165,488

Share Certificates

118

Number of Accounts for Share Drafts

1,493

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,831

All other shares

160

Non Member Deposits

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

194,567

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)

2,393,007

Total Liabilities

38,439,244

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Miami Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Miami Federal Credit Union

How many branches does Miami Federal Credit Union operate?

Miami Federal Credit Union 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 Federal Credit Union?

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

Does Miami Federal Credit Union offer online and mobile banking?

Most modern institutions like Miami Federal Credit Union 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://www.miamifcu.org.