Credit union · NCUA insured
Miami Firefighters Federal Credit Union Credit Card Rates
Top CarrotMiami Firefighters Federal Credit Union credit card rates start at 8.00% APR. Rates checked October 15, 2026.
How Miami Firefighters Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Miami Firefighters Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Miami Firefighters Federal Credit Union
– –
No ongoing APR published
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Must meet credit union membership requirements. No annual fee, no balance transfer fee, no cash advance fee, and no penalty rate. Average daily balance method (including new purchases); 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 billing cycles / 6 months from account opening on purchases, balance transfers, and cash advances. Existing balances on MFFCU loan or credit card accounts not eligible for balance transfer introductory APR. |
| Ongoing | 10.90% | None | Non-variable APR for purchases after introductory period. |
| Ongoing | 13.00% | None | Non-variable APR for cash advances after introductory period (13.00% in application disclosure; 13.90% referenced in marketing text). |
Sources (4)
All captured Oct 5, 2026
Visa Secured
Secured credit card requiring pledged shares/collateral; must meet credit union membership requirements. Average daily balance method (including new purchases); 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 billing cycles on purchases, balance transfers, and cash advances. |
| Ongoing | 8.00% | None | Standard non-variable APR for purchases, balance transfers, and cash advances after introductory period. |
Sources (3)
All captured Oct 5, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.