--- title: "Miami Credit Union Rates - Florida" description: "Current personal loan, credit card, and savings & cd rates from Miami Credit Union in Florida. Updated daily with source verification. See who can join Miami Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/miami" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Miami Credit Union Rates - Florida ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit/Signature Loan** ploc_variable | — APR | 9.750% | — | Standard | Miami Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Classic VISA** credit_card | — APR | 7.990% | — | Standard | | **Share Secured VISA** credit_card_secured | — APR | 8.990% | — | Standard | Miami Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **24-Month Certificate** cd_24mo | — APY | 3.25% | 24 mo | Standard | Miami Credit Union savings & cd rates as of November 12, 2026 Miami Credit Union is a credit union in Florida. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/miami) , verified from [Miami Credit Union's official website](https://www.miamifcu.org/) Loading branch locator… ## About Miami Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $43.8M Founded 1954 Locations reported 5 NCUA charter 9287 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Bilingual services - Payday Alternative Loans I - Payday Alternative Loans II 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. [**Dade County** Downtown Branch · Miami · FL · 33128 About 0.6 miles away](https://rateapi.dev/credit-unions/florida/dade-county) [**Miami Firefighters** Miami Firefighters Federal Credit Union · Miami · FL · 33136 About 1.0 miles away](https://rateapi.dev/credit-unions/florida/miami-firefighters) [**Educational** Downtown · Miami · FL · 33132 About 1.6 miles away](https://rateapi.dev/credit-unions/florida/educational) [**University** MEDICAL CENTER · Miami · FL · 33136-1005 About 1.7 miles away](https://rateapi.dev/credit-unions/florida/university) [**American Airlines** AAFCU - MIAD · Miami · FL · 33132 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/american-airlines) [**Powernet** Miami Office · Miami · FL · 33125 About 2.0 miles away](https://rateapi.dev/credit-unions/florida/powernet) 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 Miami Credit Union Membership eligibility from Miami Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Miami Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Jackson Memorial Hospital, Federal Reserve Bank of Atlanta, Economic Opportunities Family Health Center, Inc., IXE Dollar Express, Inc., Tools For Change/Black Economic Development Coalition, Inc. - Association Friends of the Foundation, The Wilkie D. Ferguson Scholarship Fund, Neighbors and Neighbors Association, Inc., Advisory Councils and the Board of Directors, Health Systems Agency of South Florida - Place of worship Bethel Apostolic Temple, Inc., First Church of North Miami Verified from [Miami Credit Union's membership page](https://www.miamifcu.org/index.php/membership) . Final membership determination is always made by the credit union. ## Membership rules for Miami Credit Union Employers 5 · Associations 5 · Places of worship 2 · Military · Family 14 published paths to membership, last verified August 21, 2026, quoted from Miami Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Jackson Memorial Hospital “Jackson Memorial Hospital Employees, Subcontractors and their family members are also eligible for membership.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Employee of Jackson Memorial Hospital - Employee of Federal Reserve Bank of Atlanta “Federal Reserve Bank of Atlanta, who work in Miami” > [source ↗](https://www.miamifcu.org/index.php/membership) - Employee of Federal Reserve Bank of Atlanta - Employee of Economic Opportunities Family Health Center, Inc. “Economic Opportunities Family Health Center, Inc.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Employee of Economic Opportunities Family Health Center, Inc. - Employee of IXE Dollar Express, Inc. “IXE Dollar Express, Inc.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Employee of IXE Dollar Express, Inc. - Employee of Tools For Change/Black Economic Development Coalition, Inc. “Tools For Change/Black Economic Development Coalition, Inc.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Employee of Tools For Change/Black Economic Development Coalition, Inc. ### Associations 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Friends of the Foundation “Other way to qualify for membership - a donation of $15 to the Friends of the Foundation.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of Friends of the Foundation - Member of The Wilkie D. Ferguson Scholarship Fund “The Wilkie D. Ferguson Scholarship Fund” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of The Wilkie D. Ferguson Scholarship Fund - Member of Neighbors and Neighbors Association, Inc. “Voting members of the Neighbors and Neighbors Association, Inc.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of Neighbors and Neighbors Association, Inc. - Member of Advisory Councils and the Board of Directors “Congregational Members of the Advisory Councils and the Board of Directors” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of Advisory Councils and the Board of Directors - Member of Health Systems Agency of South Florida “Health Systems Agency of South Florida” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of Health Systems Agency of South Florida ### Places of worship 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Bethel Apostolic Temple, Inc. “Bethel Apostolic Temple, Inc.” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of Bethel Apostolic Temple, Inc. - Member of First Church of North Miami “First Church of North Miami” > [source ↗](https://www.miamifcu.org/index.php/membership) - Member of First Church of North Miami ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “honorably discharged veterans of any branch of the United States Armed Forces” > [source ↗](https://www.miamifcu.org/index.php/membership) - Military: veterans ### 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 family, household member “members of their immediate family or household” > [source ↗](https://www.miamifcu.org/index.php/membership) - Family member (immediate family, household 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 Miami Credit Union? Yes No ## Work at Miami 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 Miami Credit Union ranks against Florida peers. - See which AI assistants fetched Miami 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=miami&state=florida&code=FL&name=Miami%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Miami Credit Union offer? Miami Credit Union currently offers 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 Miami Credit Union rates updated? RateAPI verifies Miami 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 Miami Credit Union's rate data? Rate data is collected directly from Miami Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Miami Credit Union? Miami Credit Union publishes its membership criteria on its own website. RateAPI tracks 14 published membership paths covering 5 employers, 5 associations, 2 places of worship and 1 military for Miami Credit Union, each quoted from Miami Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Miami Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [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.miamifcu.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 Miami 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 Miami Credit Union curl "https://api.rateapi.dev/credit-unions/florida /miami " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Miami Credit Union locations Search, filter, and browse all 5 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/miami Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp