Credit union · NCUA insured
Baptist Health South Florida FCU
Top CarrotA $135.8M credit union headquartered in Miami, FL, with 13,934 members and 6 branches in Florida. Best rates: CDs 4.25% and savings 0.50% APY.
Baptist Health South Florida FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#18 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Baptist Health South Florida FCU
Serving members since 1961, Baptist Health South Florida Federal Credit Union is a member-owned cooperative financial institution originally established as South Miami Hospital Employees FCU.
The credit union merged with Baptist Employees CU in 1997 to become Florida Health Systems FCU before adopting its current name in 2006.
- Headquarters
- 13200 SW 128th St, Building C-1, Miami, FL 33186
- NCUA charter
- 14391
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Baptist Health South Florida Federal Credit Union are eligible for membership.
- Employees and contracted workers of Baptist Health South Florida and its subsidiaries are eligible for membership.
- Retirees as pensioners or annuitants from Baptist Health South Florida and members of their immediate family or household are eligible for membership.
- Volunteers, trustees, and members of the Board of Directors of Baptist Health South Florida facilities are eligible for membership.
Military, government and schools
- Healthcare students training in Baptist Health South Florida facilities are eligible for membership.
Family and household
- Immediate family members of existing BHSFFCU members are eligible for membership.
Branches
6 branches in Florida
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Florida
6 branches
- Boca Branch800 Meadows Rd, Boca Raton, FL 33486Directions
- Doctor's Branch5000 University Dr, Coral Gables, FL 33146Directions
- Homestead Branch975 Baptist Way, Homestead, FL 33033Directions
- Baptist Branch8900 N Kendall Dr, Miami, FL 33176Directions
- West Kendall Branch9555 SW 162nd Ave, Miami, FL 33196Directions
- South Miami Branch6200 SW 73rd St, South Miami, FL 33143Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.62% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio11.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.62%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Baptist Health South Florida FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.