Credit union · NCUA insured
Miami Firefighters Federal Credit Union Savings Rates
Top CarrotMiami Firefighters Federal Credit Union’s best savings rate is 1.60% APY on $10,000, with its Money Market Savings Account. Rates checked October 15, 2026.
How Miami Firefighters Federal Credit Union’s savings 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
1.60%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $160
Money Market Savings Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Miami Firefighters Federal Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.60%
- $100,000 balance$100,0001.65%
- QualifiedQualified1.60%
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 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.
Money Market Savings Account
1.60%APY
Tiered account. Once a particular range is met the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open the account, however a minimum balance of $50 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.00% | — |
| $2,501 – $10,000 | 1.60% | $160 |
| $10,001 – $250,000 | 1.65% | — |
| $250,001 and up | 1.85% | — |
Money Market Checking
0.20%APY
No minimum balance required to open the account, however a minimum balance of $10,000 is required to earn dividends. Features check writing and Visa debit card access, with no early withdrawal penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 0.20% | $20 |
Share (Savings) Account
0.15%APY
A balance of at least one share ($5) is required to establish and maintain membership. The balance in the Membership Savings Account must not be reduced below $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upA balance of at least one share ($5) is required to establish and maintain membership. Must maintain a minimum balance of one share ($5).$50 and up | 0.15% | $15 | A balance of at least one share ($5) is required to establish and maintain membership. Must maintain a minimum balance of one share ($5). |
Special-purpose accounts
IRA Share
0.60%APY
Traditional, Roth, and Educational IRAs offered.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.60% | $60 |
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.