1902 NW 14TH AVE
Miami, FL 33125

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.55% 2.20% →
2-Year CD 1.76% 2.20% →
5-Year CD 2.26% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

South Florida is an NCUA insured institution located in Miami, FL. It was founded in 1978 and has approximately $28.07 millions in assets.

NCUA Insured Yes
Charter Number # # 23041
Date Established 1978
Assets $28.07 million
Loans $19.55 million
Deposits $24.79 million
Capital $3.19 million

Field of Membership Restrictions

If you live, work, worship, volunteer or attend school in, and businesses and other legal entities located in specific areas of Miami Dade County, you may be eligible for membership. Employees of VA Miami Medical Center, UM Hospital, Alterman Transport Lines, members of the Jewish Orthodox Community in South Florida and employees of other Select Employee Groups (SEGs) are eligible for membership as well.

Deposit Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.40% $2,500 - Learn MoreShow Less
Fixed IRA
1.55% $200 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.00% $200 - Learn MoreShow Less
6 Mo CD
1.15% $200 - Learn MoreShow Less
12 Mo CD
1.55% $200 - Learn MoreShow Less
18 Mo CD
1.65% $200 - Learn MoreShow Less
24 Mo CD
1.76% $200 - Learn MoreShow Less
30 Mo CD
1.86% $200 - Learn MoreShow Less
36 Mo CD
1.96% $200 - Learn MoreShow Less
48 Mo CD
2.01% $200 - Learn MoreShow Less
60 Mo CD
2.26% $200 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.75% $1 - Learn MoreShow Less

Loan Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTH FLORIDA

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


Below are South Florida 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:

South Florida Locations

Financial Details

South Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of South Florida. 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
South Florida U.S. Average
22.73% 5.86

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, 2019, South Florida had $772,647 in non-current loans and $12,545 in owned assets. To cover these potential losses it had $3,192,474 in net worth and $262,076 in loans loss reserves. That gives it a Texas Ratio of 22.73%.

Net Worth
South Florida U.S. Average
11.37% 13.65%

South Florida FCU has a net worth of 11.37% 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.

Frequently Asked Questions About South Florida

Branches and Savings

What is South Florida?

A federal credit union, registered with the NCUA under certificate #23041.
Learn more about credit unions here.

Is South Florida FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join South Florida?

Please see Field of Membership information above for information on who is eligible to join.

What are South Florida's share account and share certificate rates?

South Florida's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is South Florida?

South Florida has total capital of $3.19 million. Full information on South Florida's financial position is located above.

Who owns South Florida?

Credit Unions are owned by their members.

Where are South Florida branches located?

See branch locations nearby.

Are South Florida ATMs Open 24/7?

Do South Florida ATMs accept cash deposits?

Can South Florida customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does South Florida have a mobile app?

Does South Florida have mobile deposit?

Does South Florida have quick pay?

How can South Florida transfer money to other banks or credit unions?

Does South Florida report to credit bureaus?

Does South Florida use Chexsystems?

Does South Florida use Equifax?

What is South Florida's toll free phone number?

What is South Florida's ACH Routing Number?

What is South Florida's SWIFT code?

Where can I find South Florida's wire transfer form?

What is the South Florida address for deposits?

What Products Does South Florida Offer

Does South Florida offer mortgages?

Compare mortgage rates here.

Does South Florida offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does South Florida offer auto and RV loans?

Compare auto loan rates here.

Does South Florida offer student loans or personal loans?

Compare personal loan rates here.

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