--- title: "Miami Firefighters Credit Union Rates (Nov 2026): CDs to 4.40%" description: "Miami Firefighters Credit Union rates today: savings & CDs up to 4.40% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Miami Firefighters Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/miami-firefighters" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Miami Firefighters Credit Union Rates (Nov 2026): CDs to 4.40% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **5/6 Month ARM** 5 1 arm | — APR | 7.250% | — | Standard | Miami Firefighters Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 31 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 3.590% | 36 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 3.840% | 48 mo | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.090% | 60 mo | Standard | | **66-Month Auto Loan** auto_any_66mo | — APR | 4.440% | 66 mo | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 4.490% | 36 mo · used | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 4.690% | 72 mo | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 4.740% | 48 mo · used | Standard | | **36-Month RV Loan** rv_any_36mo | — APR | 4.750% | 36 mo | Standard | | **60-Month RV Loan** rv_any_60mo | — APR | 4.800% | 60 mo | Standard | | **84-Month RV Loan** rv_any_84mo | — APR | 4.850% | 84 mo | Standard | | **108-Month RV Loan** rv_any_108mo | — APR | 4.900% | 108 mo | Standard | | **120-Month RV Loan** rv_any_120mo | — APR | 4.950% | 120 mo | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 5.090% | 60 mo · used | Standard | | **144-Month RV Loan** rv_any_144mo | — APR | 5.250% | 144 mo | Standard | | **180-Month RV Loan** rv_any_180mo | — APR | 5.300% | 180 mo | Standard | | **66-Month Used Auto Loan** auto_used_66mo | — APR | 5.340% | 66 mo · used | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 5.440% | 84 mo | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 5.590% | 72 mo · used | Standard | | **36-Month Motorcycle Loan** motorcycle_any_36mo | — APR | 6.240% | 36 mo | Standard | | **36-Month Boat Loan** boat_any_36mo | — APR | 6.290% | 36 mo | Standard | | **60-Month Boat Loan** boat_any_60mo | — APR | 6.340% | 60 mo | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 6.340% | 84 mo · used | Standard | | **84-Month Boat Loan** boat_any_84mo | — APR | 6.390% | 84 mo | Standard | | **108-Month Boat Loan** boat_any_108mo | — APR | 6.440% | 108 mo | Standard | | **48-Month Motorcycle Loan** motorcycle_any_48mo | — APR | 6.490% | 48 mo | Standard | | **120-Month Boat Loan** boat_any_120mo | — APR | 6.490% | 120 mo | Standard | | **144-Month Boat Loan** boat_any_144mo | — APR | 6.540% | 144 mo | Standard | | **180-Month Boat Loan** boat_any_180mo | — APR | 6.590% | 180 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 6.840% | 60 mo | Standard | | **66-Month Motorcycle Loan** motorcycle_any_66mo | — APR | 6.840% | 66 mo | Standard | | **72-Month Motorcycle Loan** motorcycle_any_72mo | — APR | 7.340% | 72 mo | Standard | Miami Firefighters Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Single Family Homes** heloc | — APR | 5.250% | — | Standard | Miami Firefighters Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 8.400% | 12 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 8.450% | 24 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 8.500% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 8.650% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.000% | 60 mo | Standard | | **66-Month Unsecured Personal Loan** personal_unsecured_66mo | — APR | 9.250% | 66 mo | Standard | | **72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 9.500% | 72 mo | Standard | Miami Firefighters Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **10.9% FIXED RATE CREDIT CARD** credit_card | — APR | 5.875% | — | Standard | Miami Firefighters Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **IRA** ira | — APY | 0.60% | — | Standard | | **Money Market ($50–$2,500)** money_market | — APY | 1.00% | — | Standard | | **Money Market ($2,501–$10,000)** money_market | — APY | 1.60% | — | Standard | | **Money Market ($10,001–$250,000)** money_market | — APY | 1.65% | — | Standard | | **Money Market ($250,001+)** money_market | — APY | 1.85% | — | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.59% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.59% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 3.59% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.59% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.65% APY | 3.59% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.65% APY | 3.59% | 60 mo | Standard | | **30-Month Certificate** share_certificate_30mo | — APY | 3.69% | 30 mo | Standard | | **30-Month IRA Certificate** ira_cd_30mo | — APY | 3.69% | 30 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 3.73% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.73% | 36 mo | Standard | | **30-Month Certificate** share_certificate_30mo | 3.75% APY | 3.69% | 30 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.78% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.78% | 6 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.80% APY | 3.73% | 36 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.85% APY | 3.78% | 6 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 4.11% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 4.11% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.20% APY | 4.11% | 24 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 4.21% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 4.21% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 4.30% APY | 4.21% | 18 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 4.31% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 4.31% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.40% APY | 4.31% | 12 mo | Standard | Miami Firefighters Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **10-Year U.S. Inflation: Average 1.9%** other | — % | 0.100% | — | Standard | | **Inflation** other | — % | 2.900% | — | Standard | | **Single Family Homes ** other | — % | 18.000% | — | Standard | Miami Firefighters Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.40% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/miami-firefighters) , verified from [Miami Firefighters Credit Union's official website](https://www.mffcu.org/) Loading branch locator… ## About Miami Firefighters Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.2K Assets $193.9M Founded 1935 Locations reported 1 NCUA charter 872 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 - Bilingual services 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** Jackson Memorial Hospital Branch · Miami · FL · 33136-1005 About 0.6 miles away](https://rateapi.dev/credit-unions/florida/dade-county) [**University** MEDICAL CENTER · Miami · FL · 33136-1005 About 0.6 miles away](https://rateapi.dev/credit-unions/florida/university) [**Educational** Downtown · Miami · FL · 33132 About 0.9 miles away](https://rateapi.dev/credit-unions/florida/educational) [**Guardians** South Florida FCU Main Branch · Miami · FL · 33125-1658 About 1.0 miles away](https://rateapi.dev/credit-unions/florida/guardians) [**Miami** Wilkie · Miami · FL · 33128 About 1.0 miles away](https://rateapi.dev/credit-unions/florida/miami) [**Powernet** Miami Office · Miami · FL · 33125 About 1.1 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 Firefighters Credit Union Membership eligibility from Miami Firefighters Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Miami Firefighters Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Miami Fire Department, Miami Beach Fire Department, Coral Gables Fire Department, City of Miami Firefighters and Police Officers Retirement Trust, Village of Key Biscayne Local 1907, Miami Firefighters FCU, Palm Beach County Fire Department – Local 2928, Local 1907 - Association Local 3080, Local 4321 Verified from [Miami Firefighters Credit Union's membership page](https://www.mffcu.org/membership-information) . Final membership determination is always made by the credit union. ## Membership rules for Miami Firefighters Credit Union Employers 12 · Associations 2 · Family 2 16 published paths to membership, last verified August 27, 2026, quoted from Miami Firefighters Credit Union’s own published criteria. ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of City of Miami Fire Department “Any active or retired employee of the City of Miami Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Employee of City of Miami Fire Department - Employee of Miami Beach Fire Department “Miami Beach Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Employee of Miami Beach Fire Department - Employee of Coral Gables Fire Department “Coral Gables Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Employee of Coral Gables Fire Department - Employee of City of Miami Firefighters and Police Officers Retirement Trust “Employees of the City of Miami Firefighters and Police Officers Retirement Trust” > [source ↗](https://www.mffcu.org/membership-information) - Employee of City of Miami Firefighters and Police Officers Retirement Trust - Employee of Village of Key Biscayne Local 1907 “Employees of the Village of Key Biscayne Local 1907” > [source ↗](https://www.mffcu.org/membership-information) - Employee of Village of Key Biscayne Local 1907 - Employee of Miami Firefighters FCU “Employees of Miami Firefighters FCU” > [source ↗](https://www.mffcu.org/membership-information) - Employee of Miami Firefighters FCU - Retired employee of City of Miami Fire Department “Any active or retired employee of the City of Miami Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Retiree of City of Miami Fire Department - Retired employee of Miami Beach Fire Department “Miami Beach Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Retiree of Miami Beach Fire Department - Retired employee of Coral Gables Fire Department “Coral Gables Fire Department” > [source ↗](https://www.mffcu.org/membership-information) - Retiree of Coral Gables Fire Department - Employee of Fire Department “Palm Beach County Fire Department – Local 2928” > [source ↗](https://www.mffcu.org/membership-information) - Employee of Fire Department - Retired employee of Fire Department “Palm Beach County Fire Department – Local 2928” > [source ↗](https://www.mffcu.org/membership-information) - Retiree of Fire Department - Retired employee of Village of Key Biscayne Local 1907 “Local 1907” > [source ↗](https://www.mffcu.org/membership-information) - Retiree of Village of Key Biscayne Local 1907 ### Associations 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Local 3080 “Any active or retired members of Local 3080” > [source ↗](https://www.mffcu.org/membership-information) - Member of Local 3080 - Member of Local 4321 “Active or retired members of Local 4321” > [source ↗](https://www.mffcu.org/membership-information) - Member of Local 4321 ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, spouse, widow, widower, household member “Immediate family* members by blood or marriage, widows or widowers of the above groups and anyone sharing a household with the above mentioned groups” > [source ↗](https://www.mffcu.org/membership-information) - Family member (blood relative, spouse, widow, widower, household member) of a member - Family of a member immediate family, household member “Immediate family* members by blood or marriage, widows or widowers of the above groups and anyone sharing a household with the above mentioned groups” > [source ↗](https://www.mffcu.org/membership-information) - 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 Firefighters Credit Union? Yes No ## Work at Miami Firefighters 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 Firefighters Credit Union ranks against Florida peers. - See which AI assistants fetched Miami Firefighters 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-firefighters&state=florida&code=FL&name=Miami%20Firefighters%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Miami Firefighters Credit Union offer? Miami Firefighters Credit Union currently offers mortgage, vehicle 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 Miami Firefighters Credit Union rates updated? RateAPI verifies Miami Firefighters 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 Firefighters Credit Union's rate data? Rate data is collected directly from Miami Firefighters 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 Miami Firefighters Credit Union's best CD rate? As of November 12, 2026, Miami Firefighters Credit Union offers savings and certificate (CD) yields up to 4.40% APY. ### Who can join Miami Firefighters Credit Union? Miami Firefighters Credit Union publishes its membership criteria on its own website. RateAPI tracks 16 published membership paths covering 12 employers and 2 associations for Miami Firefighters Credit Union, each quoted from Miami Firefighters Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Miami Firefighters Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.mffcu.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 Firefighters 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 Firefighters Credit Union curl "https://api.rateapi.dev/credit-unions/florida /miami-firefighters " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Miami Firefighters Credit Union locations Search, filter, and browse all 1 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-firefighters Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp