Miami Federal Credit Union


51 Sw 1st Avenue, Suite 604
Miami, FL 33130
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 4.01% →
1-Year CD 0.60% 4.50% →
2-Year CD 0.70% 4.73% →
5-Year CD 1.00% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Miami is an NCUA insured institution located in Miami, FL. It was founded in 1954 and has approximately $42.66 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9287
Date Established 1954
Assets $42.66 million
Loans $24.11 million
Deposits $37.37 million
Capital $5.22 million

Field of Membership Restrictions

Membership is open to employees of the U.S. government, military personnel headquartered in Miami-Dade, Broward or Monroe County, and employees of Capital Grill Restaurant, Bethel Apostolic Temple, Henderson Clinic, Economic Opportunities Family Health Center, Inc., First Church of North Miami Congregational, Tools for Change, Church of the Open Door, Health Systems Agency of South Florida, Inc., or IXE Dollar Express, Inc..

Deposit Rates - December 1, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $200 - Learn More
6 Mo CD
0.40% $50,000 - Learn More
12 Mo CD
0.40% $200 - Learn More
12 Mo CD
0.60% $50,000 - Learn More
18 Mo CD
0.45% $200 - Learn More
18 Mo CD
0.65% $50,000 - Learn More
24 Mo CD
0.55% $200 $14,999 Learn More
24 Mo CD
0.70% $50,000 $199,999 Learn More
30 Mo CD
0.60% $200 - Learn More
30 Mo CD
0.85% $50,000 - Learn More
60 Mo CD
0.75% $200 - Learn More
60 Mo CD
1.00% $50,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $99 Learn MoreShow Less
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 1, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MIAMI

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
7.138% 6.990% 1.00 $3,750 $1,662 Learn More
First Internet Bank
NMLS ID: 424182
6.200% 6.125% 0.75 $1,998 $1,520 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.400% 7.250% 1.00 $3,750 $1,706 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

Note to MIAMI
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Miami branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Climate Initiatives

MIAMI is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Miami Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Miami. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Miami U.S. Average
1.56% 4.24

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2022, Miami had $71,126 in non-current loans and $11,795 in owned assets. To cover these potential losses it had $5,220,045 in net worth and $82,589 in loans loss reserves. That gives it a Texas Ratio of 1.56%.

Net Worth
Miami U.S. Average
12.24% 12.40%

Miami FCU has a net worth of 12.24% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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