Looking to buy a new car, boat, or home? Need to consolidate your debts? If so, then Miami Federal Credit Union has a loan to meet your needs. Get Pre-Approved today.


Quick approvals, low rates, and flexible terms

Whether you want a new or used vehicle, you can finance it through us. We may finance up to 100% for new cars for qualified members. Preview our loan rates, complete an online application today, and drive in your new car tomorrow.



Better than the Usual Car Loan – DrivingSense
Drive More Car for Your Money!

  • Lower Monthly Payments
  • No down payment*
  • No First or Last Payment Required Up Front
  • No hidden and/or up-front costs
  • No Early Payoff Penalty
  • Mileage Options o 12,000/15,000/18,000 per year
  • Option to sell, trade, finance or return vehicle at loan maturity

Driving Sense program offer great flexible options:

  • Buy the Vehicle or Trade it in
  • Finance the Residual Value as Used Vehicle Loan
  • Return the Vehicle at the End of the term

To find out more please call 305-377-1017, Ext. 221 to speak to a loan representative today!

Loan Services

GAP - Guaranteed Asset Protection
Guaranteed Asset Protection (GAP) offers you the peace of mind of knowing that you will be covered for the difference between the actual cash value of your vehicle and the loan balance. Consider adding GAP Protection to your loan.

What can GAP Protection do for you?
Vehicles start depreciating the moment you drive them off the lot. Many people assume if their vehicle is stolen or damaged beyond repair, their insurance coverage will pay the remaining balance owed to the lender. This is not always so. In many cases, the amount paid to you by the insurance company may be less than what you owe the lender—and you are held responsible for the difference. GAP Protection can cover this "gap" for you.

How do you get GAP Protection?
GAP Protection is available for a nominal cost and may be purchased within 30 days of vehicle purchase date. Get a quote when you speak to a Miami FCU representative about your loan. Just call us at (305) 377-1017.

Certain limitations and qualifications may apply. Ask a representative for more information. Protection is offered to Miami FCU members by Cuna Mutual Group. For detailed information, refer to the terms & conditions of the Cuna agreement(s).

Members Choice Payment Protection
Members Choice payment protection offers you two plans: term life insurance and disability insurance. The difference? Term life reduces or pays off your eligible loan should you die before completing repayment. Disability coverage makes your monthly payment on an eligible loan should become disabled. Payments continue until you return to work, the loan is repaid, or you reach the policy maximum.

Low group rates make this coverage affordable for you and your family. Your premium is based on the size of your loan and type of policy, not your age or medical condition.

In addition, you purchase just enough insurance to cover your insurable loan balance. Check with your loan officer for additional details.


Low rates and flexible terms

Personal loans are a cost-effective alternative to credit cards. Your Credit Union can offer personal loans as low as $300 and up to $10,000 - we have a program to fit everyone's needs.

Whatever your personal needs may be, a Miami Federal Credit Union, low interest personal loan is a smart choice for you.

Complete an online application today.

No Credit Check Loan
Need some extra cash for a gateway…..Unexpected expenses…. home repairs? How does $500 or $1,000 sound? It can be yours with our $500 & $1,000 No Credit Check Loans! Just like the loan says, there are no credit checks to get the money. Here’s how you may be eligible:

  • Must be a member for at least 30 days.

  • You must be a member in good standing.

  • You must have one year of employment with your current employer or same line of work.

  • You should repay the loan through payroll deduction in 6 monthly payments or 13 bi-weekly payments.

  • You may not refinance the loan

  • Approximate monthly payment is $174.58 with option of 13 bi-weekly payments is also available – approximate bi-weekly payment is $80.86.

  • A $20 application fee will be assessed.

Complete an application today and fax (305-577-4423) it to the Loan Department along with a current paystub.

“Action Toys” FOR LAND OR SEA………………………………

If you’re ready for an “action toy” , wheel in a great deal at Miami Federal Credit Union. We’re offering some of the best “motion” loans you’ll find anywhere. See America in your new RV, Rev it up on your motorcycle, or set sail for fun with a boat or jet ski loan. Whether new or used, your Credit Union can finance your sunny dreams at an excellent rate. Complete an online application today to get started.



Visa Credit Cards Secured/Unsecured

The credit you deserve.

The Credit Union offers a Visa credit card with fixed, low interest rates. Miami Federal Credit Union's Visa is an excellent value, offering the following benefits:

  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • 25 Day Interest-Free Grace Period

Learn more and get your own Visa soon.

Proudly serving Federal employees & their families in Dade, Broward and Monroe Counties.


Miami Federal Credit Union
51 SW 1st Avenue, Suite 604, Miami, Florida 33130

305.377.1017 Phone / 305.577.4423 Fax
Audio Response System 1.800.778.1626
Routing & Transit # 266080369

Your savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, A U.S. Government Agency.


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