Loans

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.

Automobile Loans

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.

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.

 Personal Loans

Personal loans are a cost-effective alternative to credit cards. Your Credit Union can offer personal loans as low as $500 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 winter getaway…unexpected expenses…home repairs? How does $500 or $900 sound?Need some extra cash for a getaway…unexpected expenses…home repairs? How does $1,000 sound? It can be yours with our $1,000 No Credit Check Loan! 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.

Boat Loans
Get ready to sail away. If you have been looking to get that special boat for your weekend getaways, Miami Federal Credit Union can help. 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 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.

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


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.