Credit union · NCUA insured
Miami Federal Credit Union CD Rates
Miami Federal Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Miami Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Miami Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Miami Federal Credit Union
3.80%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $188
Share Jumbo Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Miami Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo1.51%
- QualifiedQualified3.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Miami Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Jumbo Certificates
Up to 3.80%APY · 6 terms
$10,000 minimum deposit applies to Share Jumbo Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.55% | $355 |
| 18 months | 3.03% | $459 |
| 24 months | 2.78% | $563 |
| 30 months | 2.02% | $511 |
| 60 months | 1.51% | $777 |
Sources (1)
- miamifcu.org/index.php/accounts/share-rates · captured Oct 15, 2026
Share Certificates
Up to 3.55%APY · 6 terms
$200 minimum deposit applies to all Share Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.29% | $329 |
| 18 months | 2.52% | $381 |
| 24 months | 2.52% | $511 |
| 30 months | 2.02% | $511 |
| 60 months | 1.51% | $777 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Share IRA Certificates
Up to 3.55%APY · 4 terms
Available types include Share Traditional IRA Certificate, Share Roth IRA Certificate, and Share Educational IRA Certificate. Variable rate account. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 24 months | 2.52% | $511 |
| 30 months | 2.02% | $511 |
| 60 months | 1.51% | $777 |
Sources (2)
All captured Oct 15, 2026
Who can join Miami Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership with a donation of $15 to the Friends of the Foundation.
Employers and groups
- Employees of the Federal Reserve Bank of Atlanta who work in Miami are eligible for membership.
- Members, employees, or participants of designated partner groups, associations, churches, and scholarship funds are eligible for membership.
- Jackson Memorial Hospital employees and subcontractors are eligible for membership.
Military, government and schools
- Federal employees, Civilian employees, Military personnel of the U.S. government, employees of the State of Florida, and employees of municipal governments who work in or have headquarters in Miami-Dade, Broward, Monroe, or Palm Beach County are eligible to join.
- Honorably discharged veterans of any branch of the United States Armed Forces are eligible for membership.
2 more ways to join
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership, pensioners/annuitants retired from qualifying employment, credit union volunteers and employees, and related entities/organizations are eligible for membership.
Cost to join
- A donation of $15 to the Friends of the Foundation is required for qualification through that path.
Membership information collected October 5, 2026.