Miami Federal Credit Union


51 Sw 1st Avenue, Suite 604
Miami, FL 33130
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Notable Rates APY Vs.Others
Savings 0.25% 5.50% →
1-Year CD 0.60% 5.38% →
2-Year CD 0.75% 4.95% →
5-Year CD 1.00% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Miami is an NCUA insured institution located in Miami, FL. It was founded in 1954 and has approximately $46.41 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9287
Date Established 1954
Assets $46.41 million
Loans $28.89 million
Deposits $37.99 million
Capital $5.29 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 - July 23, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $1,001 $4,999 Learn More
0.20% $5,000 $9,999 Learn More
0.25% $10,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $200 - Learn More
6 Mo CD
0.50% $10,000 - Learn More
12 Mo CD
0.50% $200 - Learn More
12 Mo CD
0.60% $10,000 - Learn More
18 Mo CD
0.55% $200 - Learn More
18 Mo CD
0.70% $10,000 - Learn More
24 Mo CD
0.60% $200 - Learn More
24 Mo CD
0.75% $10,000 - Learn More
30 Mo CD
0.65% $200 - Learn More
Jumbo 30 Month
0.80% $10,000 - Learn More
30 Mo CD
0.90% $50,000 - Learn More
60 Mo CD
0.70% $200 - Learn More
60 Mo CD
1.00% $50,000 - Learn More
Int Checking Rates APY MIN MAX
0.15% $0 - Learn MoreShow Less

Loan Rates - July 23, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.706% 6.625% 0.63 $2,684 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.844% 6.750% 1.00 $3,098 $2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Miami
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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:

Miami Locations around zip code 20146

BranchDistance Map View Lobby Hours

Ft Lauderdale

903.52 A View Lobby Hours


927.45 B View Lobby Hours


927.47 C View Lobby Hours


927.80 D View Lobby Hours

Climate Policy and Initiatives

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

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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
1.10% 6.52

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 March 31, 2024, Miami had $47,178 in non-current loans and $11,795 in owned assets. To cover these potential losses it had $5,288,275 in net worth and $80,172 in loans loss reserves. That gives it a Texas Ratio of 1.10%.

Net Worth
Miami U.S. Average
11.39% 13.65%

Miami FCU has a net worth of 11.39% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Miami

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