South Florida Federal Credit Union
Headquarters
1902 Nw 14th Ave
Miami, FL 33125
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2024 Overview
General Credit Union Information
South Florida is an NCUA insured institution located in Miami, FL. It was founded in 1978 and has approximately $27.35 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 23041 |
| Date Established | 1978 |
| Assets | $27.35 million |
| Loans | $19.50 million |
| Deposits | $24.15 million |
| Capital | $3.07 million |
Field of Membership Restrictions
If you live, work, worship, volunteer or attend school in, and businesses and other legal entities located in specific areas of Miami Dade County, you may be eligible for membership. Employees of VA Miami Medical Center, UM Hospital, Alterman Transport Lines, members of the Jewish Orthodox Community in South Florida and employees of other Select Employee Groups (SEGs) are eligible for membership as well.
Deposit Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.75% | $1 | $499 | Learn More |
Loan Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for South Florida
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to South Florida
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Branches
Below are South Florida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
South Florida Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 766.17 | A | View Lobby Hours | |
| 990.02 | B | View Lobby Hours |
Climate Policy and Initiatives
SOUTH FLORIDA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
South Florida Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of South Florida. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| South Florida | U.S. Average |
|---|---|
| 21.77% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, South Florida had $734,441 in non-current loans and $8,600 in owned assets. To cover these potential losses it had $3,073,904 in net worth and $339,153 in loans loss reserves. That gives it a Texas Ratio of 21.77%.
Net Worth
| South Florida | U.S. Average |
|---|---|
| 11.24% | 13.93% |
South Florida FCU has a net worth of 11.24% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for South Florida
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