--- title: "Dade County Credit Union Rates (Nov 2026): CDs to 4.10%" description: "Dade County Credit Union rates today: savings & CDs up to 4.10% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Dade County Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/dade-county" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Dade County Credit Union Rates (Nov 2026): CDs to 4.10% ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates (New Auto Loans 36 Months)** auto_new_36mo | — APR | 3.740% | 36 mo · new | Standard | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 4.000% | 60 mo · new | Standard | | **Used Business Auto Loans (36 Months)** auto_used_36mo | — APR | 4.240% | 36 mo · used | Standard | | **New Business Auto Loans (48 Months)** auto_new_48mo | — APR | 4.490% | 48 mo · new | Standard | | **New Business Auto Loans (60 Months)** auto_new_60mo | — APR | 4.740% | 60 mo · new | Standard | | **Up to 84-Month New Auto Loan** auto_new_84mo | — APR | 4.750% | 84 mo · new | Standard | | **New Business Auto Loans (66 Months)** auto_new_66mo | — APR | 4.990% | 66 mo · new | Standard | | **Used Business Auto Loans (48 Months)** auto_used_48mo | — APR | 4.990% | 48 mo · used | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 5.000% | 60 mo · used | Standard | | **New Business Auto Loans (72 Months)** auto_new_72mo | — APR | 5.240% | 72 mo · new | Standard | | **Used Business Auto Loans (60 Months)** auto_used_60mo | — APR | 5.240% | 60 mo · used | Standard | | **Used Business Auto Loans (66 Months)** auto_used_66mo | — APR | 5.490% | 66 mo · used | Standard | | **New Business Auto Loans (75 Months)** auto_new_75mo | — APR | 5.490% | 75 mo · new | Standard | | **New Business Auto Loans (78 Months)** auto_new_78mo | — APR | 5.740% | 78 mo · new | Standard | | **Used Business Auto Loans (72 Months)** auto_used_72mo | — APR | 5.740% | 72 mo · used | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 5.750% | 60 mo · used | Standard | | **New Business Auto Loans (84 Months)** auto_new_84mo | — APR | 5.990% | 84 mo · new | Standard | | **Used Business Auto Loans (75 Months)** auto_used_75mo | — APR | 5.990% | 75 mo · used | Standard | | **Used Business Auto Loans (78 Months)** auto_used_78mo | — APR | 6.240% | 78 mo · used | Standard | | **96-Month New Auto Loan** auto_new_96mo | — APR | 6.940% | 96 mo · new | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 7.490% | 72 mo · new | Standard | | **Up to 72-Month Used Auto Loan** auto_used_72mo | — APR | 8.000% | 72 mo · used | Standard | Dade County Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates (HELOC (HELOC) 12 Months)** heloc_variable | — APR | 4.990% | — | Standard | | **2-Year HELOC (Variable)** heloc_variable | — APR | 7.750% | — | Standard | Dade County Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan (60 Months)** personal_secured_60mo | — APR | 2.500% | 60 mo | Standard | | **Featured Rates (Signature Loan Up to 60 months)** personal_unsecured_60mo | — APR | 10.490% | 60 mo | Standard | | **County Line of Credit (No Term)** ploc_variable | — APR | 10.740% | — | Standard | Dade County Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Revolving** credit_card | — APR | 11.650% | — | Standard | Dade County Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 50 offers | Product | Published | Rate | Term / condition | Status | | **$1,000 – $4,999.99** savings | 0.05% APY | 0.05% | — | Standard | | **Share Savings** & IRA Shares*** ($100 - $499.99)** ira | — APY | 0.05% | — | Standard | | **Share Savings** & IRA Shares*** ($500 - $4,999.99)** ira | — APY | 0.05% | — | Standard | | **Club Accounts** ($100 – $499.99)** savings | — APY | 0.05% | — | Specialty offer | | **Club Accounts** ($500 – $4,999.99)** savings | — APY | 0.05% | — | Specialty offer | | **$100 – $499.99** savings | 0.05% APY | 0.05% | — | Standard | | **$5,000 And Over** savings | 0.05% APY | 0.05% | — | Standard | | **Share Savings** & IRA Shares*** ($5,000 – $49,999.99)** ira | — APY | 0.10% | — | Standard | | **Club Accounts** ($5,000 – $49,999.99)** savings | — APY | 0.10% | — | Specialty offer | | **Club Accounts** ($50,000 and over)** savings | — APY | 0.15% | — | Specialty offer | | **IRA ($50,000+)** ira | — APY | 0.15% | — | Standard | | **Money Management † ($2,500 – $4,999.99)** savings | — APY | 0.40% | — | Standard | | **Money Management † ($5,000 – $49,999.99)** savings | — APY | 0.45% | — | Standard | | **Money Management † ($50,000 – $99,999.99)** savings | — APY | 0.65% | — | Standard | | **3-Month Certificate** share_certificate_3mo | 0.70% APY | 0.70% | 3 mo | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 0.70% | 3 mo | Standard | | **Money Management † ($100,000 – 249,999.99)** savings | — APY | 0.95% | — | Standard | | **Money Management † ($250,000 and over)** savings | — APY | 1.05% | — | Standard | | **$250,000 And Over** savings | 1.06% APY | 1.05% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 1.90% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 1.91% APY | 1.90% | 6 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.50% | 60 mo | Standard | | **Share Certificates (60 month: $500 – $9,999.99)** share_certificate_60mo | — APY | 2.52% | 60 mo | Standard | | **Share Certificates (60 month: $70,000 – $99,999.99)** share_certificate_60mo | — APY | 2.52% | 60 mo | Standard | | **60-Month Certificate ($100,000+)** share_certificate_60mo | — APY | 2.52% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.52% | 36 mo | Standard | | **Share Certificates (60 month: $10,000 – $39,999.99)** share_certificate_60mo | — APY | 2.52% | 60 mo | Standard | | **Share Certificates (60 month: $40,000 – $69,999.99)** share_certificate_60mo | — APY | 2.52% | 60 mo | Standard | | **60 Month: $40,000 – $69,999.99** cd_60mo | 2.55% APY | 2.52% | 60 mo | Standard | | **60 Month: $70,000 – $99,999.99** cd_60mo | 2.55% APY | 2.52% | 60 mo | Standard | | **60 Month: $100,000 And Over** cd_60mo | 2.55% APY | 2.52% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | 2.55% APY | 2.52% | 36 mo | Standard | | **60 Month: $10,000 – $39,999.99** cd_60mo | 2.55% APY | 2.52% | 60 mo | Standard | | **60 Month: $500 – $9,999.99** cd_60mo | 2.55% APY | 2.52% | 60 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.88% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.88% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 2.92% APY | 2.88% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.03% | 24 mo | Standard | | **Share Certificates (18 month: $10,000 – $29,999.99)** share_certificate_18mo | — APY | 3.03% | 18 mo | Standard | | **Share Certificates (18 month: $500 – $9,999.99)** share_certificate_18mo | — APY | 3.03% | 18 mo | Standard | | **Share Certificates (18 month: $30,000 – over)** share_certificate_18mo | — APY | 3.03% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 3.07% APY | 3.03% | 24 mo | Standard | | **18 Month: $30,000 – Over** cd_18mo | 3.07% APY | 3.03% | 18 mo | Standard | | **18 Month: $500 – $9,999.99** cd_18mo | 3.07% APY | 3.03% | 18 mo | Standard | | **18 Month: $10,000 – $29,999.99** cd_18mo | 3.07% APY | 3.03% | 18 mo | Standard | | **Certificate Promotional Rates (6 Months)** share_certificate_6mo | — APY | 3.96% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.00% APY | 3.96% | 6 mo | Standard | | **Certificate Promotional Rates (12 Months)** share_certificate_12mo | — APY | 4.02% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.10% APY | 4.02% | 12 mo | Standard | | **Featured Rates (Certificate Promotional Rates 12 Months)** share_certificate_12mo | — APY | 4.10% | 12 mo | Standard | Dade County Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New - up to 72 months** other | — % | 6.750% | — | Standard | | **Used - up to 60 months** other | — % | 7.750% | — | Standard | | **No Term** other | — % | 10.740% | — | Standard | Dade County Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.10% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/dade-county) , verified from [Dade County Credit Union's official website](https://www.dcfcu.org/) Best statewide position **#2 of 41** New Auto Loan (best offer, cars) Percentile band **Top 5%** among comparable FL offers Products tracked **5** in this dated snapshot Best-position spread **120 bp better than state median** 24 bp from state best | Product | Published rate | State rank | State best | State median | Position vs. median | | New Auto Loan (best offer, cars) | 3.49% APR | #2 of 41 · top 5% | 3.25% | 4.69% | 120 bp better than state median | | Used Auto Loan (best offer, cars) | 3.99% APR | #4 of 45 · top 9% | 3.25% | 5.24% | 125 bp better than state median | | HELOC (best offer) | 4.49% APR | #6 of 44 · top 14% | 3.99% | 6.25% | 176 bp better than state median | | Personal Loan (unsecured, best offer) | 10.49% APR | #42 of 61 · top 69% | 4.99% | 9.99% | 50 bp behind state median | | 12-Month CD (best APY) | 4.00% APY | #2 of 21 · top 10% | 4.25% | 3.55% | 45 bp better than state median | Published rate position by comparable product on August 1, 2026 Loading branch locator… ## About Dade County Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 110.4K Assets $1.5B Founded 1991 Locations reported 11 NCUA charter 24508 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Connect Credit Union** Miami · Miami · FL · 33172-5800 About 0.7 miles away](https://rateapi.dev/credit-unions/florida/connect-credit-union) [**Space Coast** Space Coast Credit Union-Doral · Doral · FL · 33178-2944 About 1.8 miles away](https://rateapi.dev/credit-unions/florida/space-coast) [**Tropical Financial** Doral branch · Doral · FL · 33126 About 2.5 miles away](https://rateapi.dev/credit-unions/florida/tropical-financial) [**Jetstream** Doral Branch · Doral · FL · 33126-1816 About 2.6 miles away](https://rateapi.dev/credit-unions/florida/jetstream) [**Miami Postal Service** Main Office · Miami · FL · 33122-1824 About 3.3 miles away](https://rateapi.dev/credit-unions/florida/miami-postal-service) [**American Airlines** AAFCU - MIAH · Miami · FL · 33122 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/american-airlines) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dade County Credit Union Membership eligibility from Dade County Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Dade County Credit Union's website. Check the membership page below to confirm whether you qualify. - Location broward, miami-dade, palm beach, monroe — FL Verified from [Dade County Credit Union's membership page](https://www.dcfcu.org/join) . Final membership determination is always made by the credit union. ## Membership rules for Dade County Credit Union Geography 4 counties · Family 21 published paths to membership, last verified August 27, 2026, quoted from Dade County Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Broward County, FL - Miami Dade County, FL - Monroe County, FL - Palm Beach County, FL “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Broward County, FL; Miami-Dade County, FL” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami Dade, or Monroe County are eligible to join our Credit Union.” > [source ↗](https://www.dcfcu.org/about-us/join-our-team/) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dade County Credit Union? Yes No ## Work at Dade County Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dade County Credit Union ranks against Florida peers. - See which AI assistants fetched Dade County Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dade-county&state=florida&code=FL&name=Dade%20County%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dade County Credit Union offer? Dade County Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Dade County Credit Union rates updated? RateAPI verifies Dade County Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Dade County Credit Union's rate data? Rate data is collected directly from Dade County Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Dade County Credit Union's best CD rate? As of November 12, 2026, Dade County Credit Union offers savings and certificate (CD) yields up to 4.10% APY. ### Who can join Dade County Credit Union? Dade County Credit Union publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 4 counties for Dade County Credit Union, each quoted from Dade County Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Dade County Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida HELOC rate leaders](https://rateapi.dev/heloc-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dcfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dade County Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dade County Credit Union curl "https://api.rateapi.dev/credit-unions/florida /dade-county " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dade County Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/dade-county Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp