Important Notice:

Miami Federal Credit Union branch lobbies are closed for members’ access until further notice. MFCU makes decisions in the best interest of our members, employees, and the community. We are prepared to offer a variety of financial assistance solutions for members affected by the pandemic and encourage members to take advantage of our mobile app, and online services as we continue to practice social distancing. Have a question? We will call you, let us know via e-mail or call us at 305-377-1017.

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

Special Federal Furlough Relief Program!


Miami Federal Credit Union Announces Special Assistance to Members Affected by the Government Shutdown

Effective immediately, Miami Federal Credit Union offers special assistance in the form of

Unsecured, low interest rate loans and deferred payments to our federal employee members.

Our Furlough Relief Loan* will feature a 60 days no interest, if the member elects not to pay the loan in full, the remaining balance will convert to a Signature Loan with a repayment set at 24 months with rates determined by the member’s credit score, as low as 12.00% APR**

The amount of the loan will be granted by calculating the lesser of the member’s monthly gross income, not to exceed $3,000.   To be eligible for this loan you must have the following:

A checking account, Direct Deposit, Be a member in good standing.

Applicants will be required to submit a recent paystub along with proof of the furlough period and fill out a credit application.

Members with existing loans

Deferred Loan Payments up to two monthly payments per MFCU loan (excluding mortgages and credit cards) free of charge.  Loans must be current and not participating on the current Skip-a-Payment Promotion.

Mortgage Assistance may be available.  Complete an online credit application today.


*Loan approval is subject to MFCU underwriting guidelines.  **APR = Annual Percentage Rate. APR is based on evaluation of applicant’s creditworthiness.  Your APR will be stated and disclosed at the time of disbursement.  Pay stub required.  Interest rate will continue to accrue.

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