What are the current interest rates at University Credit Union Miami, FL?

Current rates for University Credit Union Miami, FL include: 12-Month CD: 1.25%, 24-Month CD: 1.50%, 60-Month CD: 1.50%, MMA: 0.10%

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University Credit Union Miami, FL

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University Credit Union Miami, FL Rates & Review August 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

University Credit Union Miami, FL's 2 Year CD rates are at 1.50%, 2 Year IRA CD rates are at 1.50%, 3 Year CD rates are at 1.50%, 3 Year IRA CD rates are at 1.50%, 5 Year CD rates are at 1.50%. 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 2.07%. Rates last updated and verified on 08/28/2026.

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.

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

2.07%

Excellent Lower than avg

University Credit Union Miami, FL
West Kendall Center

13241 SW 136th St
MIAMI, FL 33186 5822

https://ucumiami.org/en/

University Credit Union Miami, FL CD Rates

Product	Rate	APY	Term
2 Year Certificate	-	1.50%	2 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
2 Year IRA Certificate	-	1.50%	2 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
3 Year Certificate	-	1.50%	3 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
3 Year IRA Certificate	-	1.50%	3 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
5 Year Certificate	-	1.50%	5 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
5 Year IRA Certificate	-	1.50%	5 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
1 Year Certificate	-	1.25%	1 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
1 Year IRA Certificate	-	1.25%	1 Year
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
6 Month Certificate	-	1.00%	6 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
91 Days Certificate	-	0.50%	91 Days
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Savings Rates

Product	Rate	APY
Holiday Club	-	0.10%
Min Deposit $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vacation Club	-	0.10%
Min Deposit $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Money Market Rates

Product	Rate	APY
Money Market	-	0.30%
Min Balance $40,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Money Market	-	0.25%
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Money Market	-	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 5 Years	-	-	6.25%	5 Years
Details Fixed rate options, rates as low as: $25,000 to $150,0001 Max 80% LTV-Owner occupied homes and second homes. Appraised value X 80% minus mortgage= equity available. No application fee. Amount of closing costs varies based on your expected funding amount.3 See attached table. Interest may be tax-deductible4. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Home Equity Loans	-	-	6.25%	5 Years
Details 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Home Equity Loans	-	-	6.75%	10 Years
Details 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Home Equity Loans	-	-	7.25%	15 Years
Details 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Car Loan	-	-	3.99%
Details Qualifications Required: no previous losses to the credit union; accounts in good standing; full direct deposit of your payroll; an active checking account at University Credit Union; automatic payments set up from that checking account; Full Active Membership (FAM) is required to obtain the lowest rate. Full Active Membership qualifications include no previous losses to the credit union, accounts in good standing, full direct deposit of your payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic payments set up from that checking account. (FAM) rates for individuals with lower eligible credit scores are offered as low as 9.99% APR. Other rates and terms may apply, and your rate may differ based on the loan program, term of repayment and other factors. UCU membership required with $5.00 minimum in savings. Member must reside in a state within UCU lending area. Rates and offers are subject to change without notice. Current UCU accounts must be in good standing, not have any type of restrictions, and UCU loans paid to date. Vehicles must be Years 2020 and newer. Max vehicle mileage is 75,000. Other conditions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Other Vehicle Loan	-	-	4.99%
Details Qualifications Required: no previous losses to the credit union; accounts in good standing; full direct deposit of your payroll; an active checking account at University Credit Union; automatic payments set up from that checking account; Full Active Membership (FAM) is required to obtain the lowest rate. Full Active Membership qualifications include no previous losses to the credit union, accounts in good standing, full direct deposit of your payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic payments set up from that checking account. (FAM) rates for individuals with lower eligible credit scores are offered as low as 6.99% APR. Other rates and terms may apply, and your rate may differ based on the loan program, term of repayment and other factors. UCU membership required with $5.00 minimum in savings. Member must reside in a state within UCU lending area. Rates and offers are subject to change without notice. Current UCU accounts must be in good standing, not have any type of restrictions, and UCU loans paid to date. Max vehicle mileage is 75,000. Other conditions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Other Vehicle Loan	-	-	6.99%
Details Rates for individuals with lower eligible credit scores are offered as low as 6.99% APR. Other rates and terms may apply, and your rate may differ based on the loan program, term of repayment and other factors. UCU membership required with $5.00 minimum in savings. Member must reside in a state within UCU lending area. Rates and offers are subject to change without notice. Current UCU accounts must be in good standing, not have any type of restrictions, and UCU loans paid to date. Max vehicle mileage is 75,000. Other conditions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New & Used (up to 75k miles) Car Loan	3.99%	-	9.99%	Up to 36 months
Details As low as ; As low as * Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New & Used Car Loan	-	-	9.99%
Details Rates for individuals with lower eligible credit scores are offered as low as 9.99% APR. Other rates and terms may apply, and your rate may differ based on the loan program, term of repayment and other factors. UCU membership required with $5.00 minimum in savings. Member must reside in a state within UCU lending area. Rates and offers are subject to change without notice. Current UCU accounts must be in good standing, not have any type of restrictions, and UCU loans paid to date. Vehicles must be Years 2020 and newer. Max vehicle mileage is 75,000. Other conditions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Credit Card Rates

Product	Rate	APR
Mastercard Secured	-	9.00%
Details Regular APR: 9.0% (Max $10,000) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Mastercard Classic	-	15.99%
Details Regular APR: 15.99% * (Max $10,000) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Mastercard Gold	-	15.99%
Details Regular APR: 15.99% * (Max $20,000) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Mastercard Platinum	-	15.99%
Details Regular APR: 15.99% * (Max $30,000) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

University Credit Union Miami, FL Personal Loan Rates

Product	Rate	APR	View More
Personal Fixed Loan	-	15.99%
Details As low as; Max $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.07%

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

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)

60,832,194

Total Liabilities

218,767,020

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About University Credit Union Miami, FL

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/.