Important Notice:

On Thursday, November 19th, your credit union will be launching a new and enhanced version of our Bill payment service.  Please be advised, bill pay access will be removed on Tuesday, November 17th at 4:00 pm ET.  Access will be restored on Thursday, November 19th by 1 pm ET. If you are an existing bill pay user, we are converting your payees, accounts and scheduled payments, along with six months of history.  If you have ‘time sensitive payments’ due in the week of the conversion, (November 17 through November 20th) we recommend allowing additional processing time for those payments.

The enhanced Bill Pay will offer many new benefits and features including better cash flow control and the ability to accept electronic bills.  Best of all, the new bill pay features a new payment model where your account will be charged on the same day the biller receives the funds for your payment!

You will continue to access bill pay through Virtual Branch by clicking on the bill pay menu option.  As a valued Member, we thank you for your patience during this transition and we are confident you will be pleased with our new and enhanced bill payment service.

We are sorry for any inconvenience this may cause

Have a question? Please let us know via e-mail or call us at 305-377-1017.

Please keep updated with MFCU’s response to COVID-19

Privacy Disclosure






Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all of the sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.



The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and account balances

  • Credit history and credit scores

  • Income and payment history

When you are no longer our member, we continue to share your information as described in this notice.



All financial companies need to share members' information to run their everyday business. In the section below, we list reasons financial companies can share their members' personal information; the reasons Miami Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your information Does the Credit Union share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes -
to offer our product and services to you
For joint marketing with other financial companies NO  We don't share
For our affiliates’ everyday business purposes -
information about your transactions and experiences
NO  We don't share
For our affiliates’ everyday business purposes -
information about your credit worthiness
NO  We don't share
For non-affiliates to market to you NO We don't share



 • Call (305) 377-1017


Who we are
Who is providing this notice? Miami Federal Credit Union


What we do
How does Miami Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings
How does Miami Federal Credit Union collect my personal information? We collect your personal information, for example, when you

 • open an account or show your government-issued ID
 • apply for financing or give us your wage statements
 • show us your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only

 • Sharing for affiliates everyday business purposes – information about your creditworthiness
 • Affiliates from using your information to market to you
 • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights limit sharing.


Affiliates  Companies related by common ownership or control. They can be financial and nonfinancial companies.

  Miami Federal Credit Union has no affiliates
Nonaffiliates  Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  Miami Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint Marketing  A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  Miami Federal Credit Union doesn't jointly market

We’re better than a bank. We’re your Credit Union.