Credit union · NCUA insured
University Credit Union
A $233.4M credit union headquartered in Miami, FL, with 16,134 members and 4 branches in Florida. Best rates: CDs 1.50% and savings 0.25% APY.
University Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#43 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About University Credit Union
Founded in 1947 as the University of Miami Credit Union, University Credit Union is a member-owned, not-for-profit cooperative financial institution.
It rebranded after Florida International University became a sponsor in 1982, added St. Thomas University in 1988, and merged with Lawyers Credit Union in 2005.
The credit union is dedicated to serving working-class members and business owners, offering tailored banking products to enhance employee benefits packages.
- Headquarters
- 13241 SW 136th St, Miami, FL 33186-5822
- NCUA charter
- 67348
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone working or living in Miami-Dade County is eligible for membership.
Employers and groups
- Membership in Florida Consumer Council qualifies for eligibility.
- Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties is eligible for membership.
- UHealth staff and their immediate families are eligible for membership.
Military, government and schools
- Florida International University faculty, staff, students, alumni and their immediate families are eligible for membership.
- St. Thomas University faculty, staff, students, alumni and their immediate families are eligible for membership.
1 more way to join
Military, government and schools
- University of Miami faculty, staff, students, alumni and their immediate families are eligible for membership.
Cost to join
- An initial deposit into the new account is required using a credit or debit card.
Branches
4 branches in Florida
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Florida
4 branches
- West Kendall CenterMain office13241 SW 136th St, Miami, FL 33186Directions
- FIU University Park Branch10720 SW 16th St, Miami, FL 33165Directions
- Medical Center1611 NW 12th Ave, Suite J, Miami, FL 33136Directions
- Red Road Branch6250 SW 57th Ave, Miami, FL 33143Directions
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 | 10.75% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.22% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio10.75%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.22%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ 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 University Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.