Credit union · NCUA insured
Miami Firefighters Federal Credit Union CD Rates
Top CarrotMiami Firefighters Federal Credit Union’s best CD rate is 4.30% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Miami Firefighters Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Miami Firefighters Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Miami Firefighters Federal Credit Union
4.30%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $878
Share 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 Firefighters Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.30%
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 Firefighters 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 Certificates
Up to 4.30%APY · 8 terms
A balance of at least one share ($5) is required to establish and maintain membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.15% | $415 |
| 18 months | 4.25% | $644 |
| 24 months | 4.30% | $878 |
| 30 months | 3.75% | $964 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.65% | $1,963 |
Sources (4)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.15%APY · 8 terms
Available in Traditional, Roth, and Educational IRA certificate plans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.00% | $400 |
| 18 months | 4.15% | $629 |
| 24 months | 3.90% | $795 |
| 30 months | 3.75% | $964 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.65% | $1,963 |
Who can join Miami Firefighters Federal Credit Union
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.
Membership information collected October 5, 2026.