Credit union · NCUA insured
Miami Firefighters Federal Credit Union
Top CarrotA $193.9M credit union headquartered in Miami, FL, with 6,235 members and 1 branch in Florida. Best rates: CDs 4.30% and savings 1.60% APY.
Miami Firefighters Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#7 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Miami Firefighters Federal Credit Union
Founded in 1935 by 28 firemen behind Station 1, Miami Firefighters Federal Credit Union was established to promote thrift and create a source of credit for its members.
Based in Miami, Florida, the cooperative banking institution serves City of Miami firefighters and associated municipal fire departments and employee groups.
- Headquarters
- 1111 NW 7th St, Miami, FL 33136
- NCUA charter
- 872
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This may be incomplete or out of date, so check with the credit union before you apply.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 Miami Firefighters FCU are eligible for membership.
- Members or employees associated with Local 1907 are eligible for membership.
- Active or retired members of Local 3080 across listed jurisdictions/units are eligible for membership.
- Active or retired members of Local 4321 are eligible for membership.
Military, government and schools
- Employees of the Village of Key Biscayne are eligible for membership.
- Active or retired employees of the City of Miami Fire Department are eligible for membership.
3 more ways to join
Military, government and schools
- Employees of the City of Miami Firefighters and Police Officers Retirement Trust are eligible for membership.
- Active or retired employees of select fire departments (Miami Beach Fire Department, Coral Gables Fire Department, Palm Beach County Fire Department – Local 2928, Delray Beach Fire Department – Local 1842, Hialeah Fire Department – Local 1102, Hollywood Fire Department – Local 1375, Miramar Fire Department – Local 2820, or Martin County Fire Rescue – Local 2959) are eligible for membership.
Family and household
- Immediate family members by blood or marriage, widows or widowers, and anyone sharing a household with eligible groups qualify for membership.
Branches
1 branch in Florida
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Florida
1 branch
- Miami Firefighters Federal Credit UnionMain office1111 NW 7th St, Miami, FL 33136Directions
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 | 12.52% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.90% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio12.52%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 Miami Firefighters Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.