Credit union · NCUA insured
Miami Federal Credit Union Savings Rates
Miami Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 15, 2026.
How Miami Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Earns on $10,000 a year
- $25
Share Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Miami Federal Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings
0.25%APY
Tiered share account rates. Dividends are based on Average Daily Balance, Compounded Quarterly. Primary share account establishes Membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Dividends based on Average Daily Balance, Compounded Quarterly. | 0.10% | — | Dividends based on Average Daily Balance, Compounded Quarterly. |
| $1,001 – $4,999Dividends based on Average Daily Balance, Compounded Quarterly. | 0.15% | — | Dividends based on Average Daily Balance, Compounded Quarterly. |
| $5,000 – $9,999Dividends based on Average Daily Balance, Compounded Quarterly. | 0.20% | — | Dividends based on Average Daily Balance, Compounded Quarterly. |
| $10,000 and upDividends based on Average Daily Balance, Compounded Quarterly. | 0.25% | $25 | Dividends based on Average Daily Balance, Compounded Quarterly. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Clubs (Christmas & Vacation)
0.15%APY
Can be set up with automated transfer or payroll deduction. Early withdrawal penalties may apply on Share Christmas Club Accounts. Share Accounts dividends are based on Average Daily Balance, Compounded Quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends based on Average Daily Balance, Compounded Quarterly. Early withdrawal penalties may apply on Share Christmas Club Accounts.Any balance | 0.15% | $15 | Dividends based on Average Daily Balance, Compounded Quarterly. Early withdrawal penalties may apply on Share Christmas Club Accounts. |
Sources (2)
All captured Sep 18, 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.