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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.
 Miami Federal Credit Union Rates & Review October 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 28, 2026
Miami Federal Credit Union's 6 Month Share Jumbo CD rates are at 3.80%, 12 Month 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 0.25%. Miami Federal Credit Union's checking rates are as high as 0.15%. Miami Federal Credit Union's Personal Loan Rates are as low as 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 6.33%. Rates last updated and verified on 10/28/2026. 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. 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. Miami Federal Credit Union CD Rates
Miami Federal Credit Union Savings Rates
Miami Federal Credit Union Checking Rates
Miami Federal Credit Union Auto Loan Rates
Miami Federal Credit Union RV, Boat and Powersport Loan Rates
Miami Federal Credit Union Personal Loan Rates
Financial Health HistoryMiami Federal Credit Union’s Texas Ratio rose from 1.21% in Q3 2023 to 6.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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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 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
12
Part-Time Employees
0
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.33%
Return on Assets (ROA)
0.1735%
Return on Equity (ROE)
1.4560%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
45,204,139
Total Amount of Shares and Deposits
38,185,871
Total Shares and Deposits < 1 Year
37,173,886
Total Shares and Deposits 1 3 Years
933,933
Total Shares and Deposits > 3 Years
78,051
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,689,174
Total Uninsured Shares and Deposits > $250K (F+J)
2,689,174
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,496,697
Total Interest Expense (Sum of items 6 8)
316,164
Share Certificates
118
Number of Accounts for Share Drafts
1,508
IRA KEOGH Accounts
95
Number of Accounts for Regular Shares
2,828
All other shares
159
Non Member Deposits
22
Net Income (unless the amount is already included in Undivided Earnings)
78,436
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)
3,362,106
Total Liabilities
39,816,889
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Miami Federal Credit Union 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 Miami Federal Credit Union
Frequently Asked Questions About Miami Federal Credit UnionDoes Miami Federal Credit Union offer CDs?Yes. Miami Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 28, 2026 include 3.803% APY on its 6 Month Share Jumbo CD, 3.546% APY on its 12 Month IRA CD and 3.546% APY on its 12 Month Share Jumbo CD. Are CDs from Miami Federal Credit Union NCUA insured?Yes. Miami Federal Credit Union 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 Miami Federal Credit Union?The highest CD rate MonitorBankRates has verified for Miami Federal Credit Union is 3.803% APY on its 6 Month Share Jumbo CD, as of October 28, 2026. What CD terms does Miami Federal Credit Union offer?The Miami Federal Credit Union CD terms MonitorBankRates tracks include 6 month, 12 month, 18 month, 2 year and 5 year terms, with rates from 3.29% to 3.803% APY. The institution may offer other terms or specials that are not listed here, so check with Miami Federal Credit Union for its full lineup. What is the highest savings rate at Miami Federal Credit Union?The highest savings rate MonitorBankRates has verified for Miami Federal Credit Union is 0.25% APY on its Savings, as of October 28, 2026. What is the highest checking rate at Miami Federal Credit Union?The highest checking rate MonitorBankRates has verified for Miami Federal Credit Union is 0.15% APY on its Share Draft Checking, as of October 28, 2026. What is the lowest auto loan rate at Miami Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Miami Federal Credit Union is 3.25% APR on its New Auto, as of October 28, 2026. What is the lowest personal loan rate at Miami Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Miami Federal Credit Union is 9.75% APR on its Personal Line of Credit/Signature Loan, as of October 28, 2026. 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. 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 Miami Federal Credit Union rates compare?Miami Federal Credit Union's top rates are 3.803% APY on its 6 Month Share Jumbo CD, 0.25% APY on its Savings, 0.15% APY on its Share Draft Checking and 9.75% APR on its Personal Line of Credit/Signature Loan, verified by MonitorBankRates on October 28, 2026. Current Miami Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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