24/7 Loan Application Online

Getting ready to make a large purchase? Get pre-approved so you can negotiate as a "Cash" buyer. Just complete the below application and submit it. Once received, your Credit Union loan officer will process your application and grant you a pre-approval, subject to verification of information. To speed up the process you may fax your most recent pay stub to (305) 577-4423. 

For your security, we use SSL encryption, and do not request sensitive information such as your Social Security Number or Date of Birth. If you prefer, you can print out this application, complete it and fax it to the above number. You should see a secure symbol on your browser, if not, click through to the secure server.


USA PATRIOT ACT DISCLOSURE
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license, or other identifying documentation.


Loan Type Requested      
Loan Amount Requested    $

Repayment Method 

Credit Type  Individual Credit    Joint Credit
If joint, fill out Co-Applicant section also
 
 Applicant Information

Account #
Name
Address 1
Address 2
City   State    Zip 
Home Number -
Work Number -
Other Number - (i.e. pager, cellular)
Email

How Long at this Residence?   Years  Months
Rent   Own    Monthly Payment $

Employer Name
Employer Address
Employer City/State   State
Department/Position
Length of Employment Years  Months
Gross Income $
 * Income from alimony, child support or separate maintenance payment
    need not be revealed if you do not choose to   disclose it as income.
Other Income* $

Name and Address of Nearest Relative Not Living With You
Name
Address
City/State   State
Relationship
Home Number -

Outstanding Debts
Payment Type Monthly Payment Balance Owed
Auto Payment(s) $ $
Credit Card(s) $ $
Other
$
$
 
 Co-Applicant Information (Fill out only if Joint Credit)
 
Account #
Name
Address 1
Address 2
City   State    Zip 
Home Number -
Work Number -
Other Number - (i.e. pager, cellular)
Email

How Long at this Residence?   Years  Months
Rent   Own    Monthly Payment $

Employer Name
Employer Address
Employer City/State   State
Department/Position
Length of Employment Years  Months
Gross Income $
*  Income from alimony, child support or separate maintenance payment need not be revealed if you do not choose to disclose it as income.
Other Income* $

Name and Address of Nearest Relative Not Living With You

Name
Address
City/State   State
Relationship
Home Number -

Outstanding Debts
Payment Type Monthly Payment Balance Owed
Auto Payment(s) $ $
Credit Card(s) $ $
Other $ $

Comments/Other

By clicking on the Submit button below, I/we certify that the information herein is true and complete. I/we agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. Subject to credit union lending guidelines. I/We understand that you shall retain this application whether or not it is approved. Upon submitting this application you are authorizing MFCU to verify your credit history and withdraw a $30 Advance Request fee from your share or share draft account and $25.00 on disbursed loans. Please press submit if you wish to continue..

Note: Approval decisions will normally be made within 24 hours (except weekends). You will be contacted once a decision has been made.
 

VISA
Application and Solicitation Disclosure

 Interest Rates and Interest Charges  

Annual Percentage Rate (APR) For Purchases

 7.99% to 15.00% 

 APR for Cash Advances  7.99% to 15.00%
 APR for Balance Transfers  7.99% to 15.00%
 How to Avoid paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
 
For Credit Card Tips from the Federal Reserve Board
 
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at

http://www.federalreserve.gov/creditcard
 
Fees  

 Transaction Fees
   ● Foreign Transaction Fee
 

 
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
 

 Penalty Fees
   ● Late payment Fee
   ● Over-the-Credit-Limit Fee
   ● Returned Payment Fee
 


 Up to $25.00
 Up to $25.00 (if applicable)
 Up to $25.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Effective Date. The information about the costs of the card described in this application is accurate as of September 21,2011. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
 


OTHER DISCLOSURES

 Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
 
 Over-the-Credit-Limit Fee $25.00 or the amount of the transaction exceeding your credit limit, whichever is less.
 
 Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less
 
 Card Replacement Fee $10.00 per card

 

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

ONCE A MEMBER ALWAYS A MEMBER!

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.

 

Copyright © 2008, Miami Federal Credit Union. All Rights Reserved.
Unauthorized Access is Prohibited. All Accesses are Monitored.

To assist members in accessing information not maintained on this site, the credit union provides links to other Internet addresses. Be advised that: 1) by clicking on any link to other Internet addresses, you are leaving the credit unions web site; 2) you are linking to an alternate web site not operated by the credit union; 3) the credit union is not responsible for the content of the alternate web site; 4) the credit union does not represent either the third party or the member if the two enter into a transaction; and 5) privacy and security policies may differ from those practiced by the Credit Union.

The Credit Union does not endorse, approve, certify or control any of the 'live' links to other Internet addresses
which are provided for members' convenience in accessing information not maintained on this site.