South Florida Educational

7800 Sw 117th Ave
Miami, FL 33183


General Credit Union Information

NCUA Insured Yes
Charter Number # # 176
Date Established 1935
Assets $1,012.76 million
Loans $208.17 million
Deposits $804.62 million
Capital $188.43 million

South Florida Educational is an NCUA insured institution located in Miami, FL. It was founded in 1935 and has approximately $1012.76 millions in assets.

Who May Join the Credit Union?

Membership is available to the following individuals and groups.

Employees of:
Miami-Dade County Public Schools (M-DCPS)
Miami-Dade College (MDC)
United Teachers of Dade (UTD)
Charter Schools sponsored by Miami-Dade County Public Schools in Miami, FL
Balere Language Academy
Dade Christian School
Alliance for Early Care & Education
South Florida Educational FCU

Students of:
Miami-Dade County Public Schools (M-DCPS)
Miami-Dade College (MDC)
Balere Language Academy
Dade Christian School

Persons retired as pensioners or annuitants from the above employers.

Relatives of members as follows:
Spouse, Children (including stepchildren), Sibling (including step sibling), Parent (including stepparent), Grandparent, Grandchild, Adoptive relationships

Spouses of persons who died while within the field of membership of the credit union.

Persons living in the same residence and maintaining a single economic unit with another credit union member.

Organizations of people eligible for membership in this Credit Union.

Field of Membership Restrictions

Membership in South Florida Educational Federal Credit Union is open to employees and students and their families of Miami-Dade County Public Schools, Miami-Dade College, Christ Fellowship and Academy, Dade Christian School, Mater Academy East Charter Middle/High School, The Thinking Child Christian Academy, Charter Schools Sponsored by Miami-Dade Public Schools, and Balere Language Academy. Membership is also open to employees of United Teachers of Dade and members of Alliance for Early Care & Education.

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K 0.35% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K 0.40% $100,000 - Learn MoreShow Less
6 Mo CD 10K 0.40% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K 0.45% $100,000 - Learn MoreShow Less
12 Mo CD 10K 0.45% $1,000 $99,999 Learn MoreShow Less
12 Mo CD 100K 0.50% $100,000 - Learn MoreShow Less
18 Mo CD 10K 0.50% $1,000 $99,999 Learn MoreShow Less
24 Mo CD 10K 0.55% $1,000 $99,999 Learn MoreShow Less
36 Mo CD 10K 0.80% $1,000 $99,999 Learn MoreShow Less
48 Mo CD 10K 1.00% $1,000 $99,999 Learn MoreShow Less
60 Mo CD 10K 1.51% $1,000 $99,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.25% $100 - Learn MoreShow Less
Fixed IRA 0K 0.45% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.55% $1 - Learn MoreShow Less
MM 10K 0.20% $2,500 $24,999 Learn MoreShow Less
MM 25K 0.20% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK0K 0.05% $1 $499 Learn MoreShow Less
Int Ckg 2.5K 0.15% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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

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South Florida Educational Locations

Financial Details

South Florida Educational Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of South Florida Educational. 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 Educational U.S. Average
0.37% 7.80%

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. As of December 31, 2016, South Florida Educational had $682,355 in non-current loans and $26,574 in owned assets. To cover these potential losses it had $188,426,312 in net worth and $1,215,486 in loans loss reserves. That gives it a Texas Ratio of 0.37%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
South Florida Educational U.S. Average
20.31% 13.06%

South Florida Educational FCU has a net worth of 20.31% versus the BestCashCow average of 13.06%. 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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