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 May 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: May 12, 2026

MIAMI FIREFIGHTERS's 18 Month IRA CD rates are at 4.15%, 18 Month CD Rate 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 Rate rates are at 4.00%. MIAMI FIREFIGHTERS's savings rates are at 0.15%. MIAMI FIREFIGHTERS's Personal Loan Rates are at 8.40%. MonitorBankRates evaluates the financial stability of MIAMI FIREFIGHTERS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.32%. Rates were last updated on 05/12/2026.

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 Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.32%

Excellent Lower than avg

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%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
18 Month Share Certificate Rate	-	4.15%	18
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
18 month Share Certificates	4.07%	4.15%	18 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
12 Month IRA Share Certificate	3.92%	4.00%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
12 Month Share Certificates Rate	-	4.00%	12
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
12 month Share Certificates	3.92%	4.00%	12 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
24 Month IRA Share Certificate	3.83%	3.90%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
24 month Share Certificates	3.83%	3.90%	24 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
6 Month IRA Share Certificate	3.78%	3.85%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
6 month Share Certificates	3.78%	3.85%	6 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
36 Month IRA Share Certificate	3.73%	3.80%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
36 month Share Certificates	3.73%	3.80%	36 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
30 Month IRA Share Certificate	3.69%	3.75%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
30 month Share Certificates	3.69%	3.75%	30 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
48 Month IRA Share Certificate	3.59%	3.65%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
48 month Share Certificates	3.59%	3.65%	48 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
60 Month IRA Share Certificate	3.59%	3.65%
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
60 month Share Certificates	3.59%	3.65%	60 Months
Min Balance $1,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

MIAMI FIREFIGHTERS Savings Rates

Product	Rate	APY	View More
Membership Savings Account	0.15%	0.15%
Min Deposit $50 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

MIAMI FIREFIGHTERS Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	-	-	5.25%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity (Closed End - Fixed Rate) Single Family Homes and Townhomes	-	-	5.25%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity "Line of Credit" (Open End-Variable Rate) Single Family Homes and Townhomes	-	-	5.50%
Details As Low As; up to 18.00% Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

MIAMI FIREFIGHTERS Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	10.90%
Details Fixed Rate Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

MIAMI FIREFIGHTERS Personal Loan Rates

Product	Rate	APR
Personal	-	8.40%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	8.40%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	8.45%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	8.50%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	8.65%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	9.00%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	9.25%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Personal Loans	-	9.50%
Details As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

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.

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 20

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+ (99/100)

Texas Ratio

2.32%

Return on Assets (ROA)

0.7321%

Return on Equity (ROE)

6.0293%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

184,094,851

Total Amount of Shares and Deposits

159,943,726

Total Shares and Deposits < 1 Year

155,924,838

Total Shares and Deposits 1 3 Years

2,978,068

Total Shares and Deposits > 3 Years

1,040,820

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

28,861,888

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

28,861,888

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

131,081,838

Total Interest Expense (Sum of items 6 8)

2,579,558

Share Certificates

808

Number of Accounts for Share Drafts

3,578

IRA KEOGH Accounts

173

Number of Accounts for Regular Shares

6,875

Money Market Shares

628

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

1,554,347

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

17,556,745

Total Liabilities

161,748,996

Source: NCUA — Last Updated 09/30/2025

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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.