--- title: "Educational Credit Union Rates (Nov 2026): Auto 7.99%, CDs to 1.50%" description: "Educational Credit Union rates today: auto loans from 7.99% APR, savings & CDs up to 1.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Educational Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/educational" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Educational Credit Union Rates (Nov 2026): Auto 7.99%, CDs to 1.50% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Other Vehicle Loan** auto_any_120mo | — APR | 4.990% | 120 mo | Standard | | **Other Vehicle Loan** auto_any_84mo | 7.990% APR | 4.990% | 84 mo | Standard | Educational Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.250% | — | Standard | Educational Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Fixed Loan** personal_unsecured_60mo | — APR | 15.990% | 60 mo | Standard | Educational Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Secured Credit Card** credit_card_secured | — APR | 9.000% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 15.990% | — | Standard | | **Mastercard Classic** credit_card | 15.990% APR | 15.990% | — | Standard | Educational Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | 0.10% APY | 0.10% | — | Standard | | **Vacation Club** savings | — APY | 0.10% | — | Specialty offer | | **IRA Accumulation** ira | — APY | 0.50% | — | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 1.25% | 12 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 1.50% | 60 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 1.50% APY | 1.50% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 1.50% APY | 1.50% | 36 mo | Standard | Educational Credit Union savings & cd rates as of November 13, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **10 Years ($15,000.00)** other | — % | 6.250% | — | Standard | | **10 Years ($50,000.00)** other | — % | 6.250% | — | Standard | | **10 Years ($25,000.00)** other | — % | 6.250% | — | Standard | | **10 Years ($150,000.00)** other | — % | 7.250% | — | Standard | | **10 Years ($100,000.00)** other | — % | 7.250% | — | Standard | Educational Credit Union other rates as of November 13, 2026 Auto loans available from 7.99% APR for 84 months. Credit card rates from 15.99% APR. Savings and certificate yields up to 1.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/educational) , verified from [Educational Credit Union's official website](https://ucumiami.org/) Loading branch locator… ## About Educational Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 119.6K Assets $1.8B Founded 1935 Locations reported 10 NCUA charter 176 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 - Student scholarships 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. [**Space Coast** Space Coast Credit Union-Sunset · Miami · FL · 33183-2807 About 1.5 miles away](https://rateapi.dev/credit-unions/florida/space-coast) [**Dade County** Kendall Branch · Miami · FL · 33176 About 2.2 miles away](https://rateapi.dev/credit-unions/florida/dade-county) [**Tropical Financial** KENDALL · Miami · FL · 33176-1509 About 3.0 miles away](https://rateapi.dev/credit-unions/florida/tropical-financial) [**Baxter** Kendall · Miami · FL · 33196 About 3.3 miles away](https://rateapi.dev/credit-unions/illinois/baxter) [**Baptist Health South Florida** West Kendall Branch · Miami · FL · 33196 About 3.6 miles away](https://rateapi.dev/credit-unions/florida/baptist-health-south-florida) [**University** FIU University Park Branch · Miami · FL · 33165-7377 About 3.8 miles away](https://rateapi.dev/credit-unions/florida/university) 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 Educational Credit Union Membership eligibility from Educational Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Educational Credit Union's website. Check the membership page below to confirm whether you qualify. - Location miami-dade — FL - Employer UHealth, Legal Field - Association Florida Consumer Council - School University of Miami, Florida International University, St. Thomas University Verified from [Educational Credit Union's membership page](https://ucumiami.org/about/membership) . Final membership determination is always made by the credit union. ## Membership rules for Educational Credit Union Geography 1 county · Employers 3 · Associations · Schools 12 · Family 19 published paths to membership, last verified August 27, 2026, quoted from Educational Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Miami Dade County, FL “Anyone working or living in Miami-Dade County” > [source ↗](https://ucumiami.org/about/membership) ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of UHealth “UHealth staff and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Employee of UHealth - Employee of Legal Field “Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties” > [source ↗](https://ucumiami.org/about/membership) - Employee of Legal Field - Employee of UHealth - Family of a member immediate family “UHealth staff and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Employee of UHealth and Family member (immediate family) of a member ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Florida Consumer Council “Membership in Florida Consumer Council.” > [source ↗](https://ucumiami.org/about/membership) - Member of Florida Consumer Council ### Schools 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of University of Miami “Membership is open to University of Miami faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at University of Miami - School employee of University of Miami “Membership is open to University of Miami faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Employee of University of Miami - Alumni of University of Miami “Membership is open to University of Miami faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Alumnus of University of Miami - Student of Florida International University “Florida International University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at Florida International University - School employee of Florida International University “Florida International University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Employee of Florida International University - Alumni of Florida International University “Florida International University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Alumnus of Florida International University - Student of St. Thomas University “St. Thomas University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at St. Thomas University - School employee of St. Thomas University “St. Thomas University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Employee of St. Thomas University - Alumni of St. Thomas University “St. Thomas University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Alumnus of St. Thomas University - Student of University of Miami - Family of a member immediate family “University of Miami faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at University of Miami and Family member (immediate family) of a member - Student of Florida International University - Family of a member immediate family “Florida International University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at Florida International University and Family member (immediate family) of a member - Student of St. Thomas University - Family of a member immediate family “St. Thomas University faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Student at St. Thomas University and Family member (immediate family) of a member ### 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 immediate families “Membership is open to University of Miami faculty, staff, students, alumni and their immediate families” > [source ↗](https://ucumiami.org/about/membership) - Family member (immediate families) 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 Educational Credit Union? Yes No ## Work at Educational 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 Educational Credit Union ranks against Florida peers. - See which AI assistants fetched Educational 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=educational&state=florida&code=FL&name=Educational%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Educational Credit Union offer? Educational Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Educational Credit Union rates updated? RateAPI verifies Educational Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Educational Credit Union's rate data? Rate data is collected directly from Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Educational Credit Union's auto loan rates? As of November 13, 2026, Educational Credit Union offers auto loans from 7.99% APR. ### What is Educational Credit Union's best CD rate? As of November 13, 2026, Educational Credit Union offers savings and certificate (CD) yields up to 1.50% APY. ### Who can join Educational Credit Union? Educational Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 1 county, 3 employers, 1 association and 12 schools for Educational Credit Union, each quoted from Educational Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Educational 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://ucumiami.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 Educational 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 Educational Credit Union curl "https://api.rateapi.dev/credit-unions/florida /educational " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Educational Credit Union locations Search, filter, and browse all 10 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/educational Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp