7800 SW 117TH AVE
Miami, FL 33183


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 176
Date Established 1935
Assets $1,195.27 million
Loans $252.48 million
Deposits $953.03 million
Capital $219.09 million

South Florida Educational is an NCUA insured institution located in Miami, FL. It was founded in 1935 and has approximately $1195.27 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.

Deposit Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $24,999 Learn MoreShow Less
Money Market
0.35% $25,000 $49,999 Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.65% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.70% $100,000 - Learn MoreShow Less
0.70% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $100,000 - Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.80% $100,000 - Learn MoreShow Less
0.80% $1,000 $99,999 Learn MoreShow Less
0.85% $1,000 $99,999 Learn MoreShow Less
1.11% $1,000 $99,999 Learn MoreShow Less
1.31% $1,000 $99,999 Learn MoreShow Less
1.82% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.85% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $499 Learn MoreShow Less
Int Ckg
0.15% $500 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTH FLORIDA EDUCATIONAL

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.538% 3.500% 0.50 $1,175 $1,123 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.693% 3.625% 0.50 $2,122 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.761% 3.750% 0.13 $352 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 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 Educational 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 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
0.67% 6.77

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, 2019, South Florida Educational had $1,425,199 in non-current loans and $40,951 in owned assets. To cover these potential losses it had $219,090,283 in net worth and $1,251,067 in loans loss reserves. That gives it a Texas Ratio of 0.67%.

Net Worth
South Florida Educational U.S. Average
18.32% 13.47%

South Florida Educational FCU has a net worth of 18.32% versus the BestCashCow average of 13.47. 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 Educational

Branches and Savings

What is South Florida Educational?

A federal credit union, registered with the NCUA under certificate #176.
Learn more about credit unions here.

Is South Florida Educational 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 Educational?

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

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

South Florida Educational'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 Educational?

South Florida Educational has total capital of $219.09 million. Full information on South Florida Educational's financial position is located above.

Who owns South Florida Educational?

Credit Unions are owned by their members.

Where are South Florida Educational branches located?

See branch locations nearby.

Are South Florida Educational ATMs Open 24/7?

Do South Florida Educational ATMs accept cash deposits?

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

Does South Florida Educational have a mobile app?

Does South Florida Educational have mobile deposit?

Does South Florida Educational have quick pay?

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

Does South Florida Educational report to credit bureaus?

Does South Florida Educational use Chexsystems?

Does South Florida Educational use Equifax?

What is South Florida Educational's toll free phone number?

What is South Florida Educational's ACH Routing Number?

What is South Florida Educational's SWIFT code?

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

What is the South Florida Educational address for deposits?

What Products Does South Florida Educational Offer

Does South Florida Educational offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does South Florida Educational offer auto and RV loans?

Compare auto loan rates here.

Does South Florida Educational offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for South Florida Educational

There are currently no comments for South Florida Educational. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →