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1500 Nw 107th Ave
Doral, FL 33172

Dade County Federal Credit Union is headquartered in Doral and is the 19st largest credit union in the state of Florida. It is also the 384th largest credit union in the nation. It was established in 1991 and as of March of 2014, it had grown to 255 employees and 93,043 members. Dade County Federal Credit Union has a A+ health rating.

Field of Membership Restrictions

Persons (and their family members) who either live, work, worship, attend school, operate businesses or other legal entities located in Miami-Dade County are welcome to join our credit union. All persons (and their family members) who work in any of our Member Groups may also join. Membership is also open to businesses and other legal entities located in Miami-Dade County, Florida. - See Details

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Reviews (5)

Be Careful Of The Tricks And Traps This CU Engages In

Yes they often mail out bonuses to open accts to locals, but WATCH OUT!  This CU alone with Pan AM Horizions now Power Financial Credit Union,  are full of tricks and traps.   Their car loans, acct fees and other tricks and traps are all aimed to take advantage of ill informed account holders.  Be careful!

Customer Service Failure Regarding High Yield Checking Interest Payment

One of the requirements to get the High Yield is to have a monthly direct deposit. Since I had just qualified to start receiving my pension a couple years ago, I directed it to go to Dade Fed'd CU.  Everything was fine for about 1 1/2 years.  Since the pension was payable on the 1st, it usually posted between the 1st and 3rd of each month.  But the January 1St check was posted by the CU on Dec 30th and so they did not pay me the high yield for the month of January.  First I called customer service, expecting them to apologize and credit me with the difference since it was not my fault they posted it early. Plus I had been a loyal customer with direct deposit, etc, ect.  No Success.  So I went in to the local branch expecting a manager or supervisor to make the interest adjustment.  The Supervisor said he could not make any adjustment and blamed the situation on the fact that they are closed on New Years day and that it isn't their fault it posted early.   Even after supposedly checking with his manager, he said they couldn't make the adjustment. (Which Really Meant That My Business Wasn't Worth their Time Or $90). So 3 minutes later, they no longer had my business. To add insult to injury, they had the gall to charge me $3 to issue a bank check since I didn't want to carry $25K around in Cash. This was one of several disappointments I had with this institution, all revolving around their lack of customer service skills at all levels at both Miami Dade branches as well as their phone center.   This is the one that cost me money and the one straw that broke the camel's back.

Poor Customer Service, Witholding Of Funds

I've had an account with DCFCU for over four years and they continually hold my deposited checks for longer than what Federal Reserve Bank rules call for. I have never deosited a check that was returned, for any reason. This week they mailed a notice that my recent deposit would not be released to me when originally stated (5 days). They are holding it for an extra week. When I showed the branch manager proof, a copy of the cancelled check from my payor that cleared in two days, she said, "that's not proof." I'm now searching for a local bank/CU where I can switch my business.


This is the worst bank I have been, every thing you do takes days to process, they tell you they are going to call to give you information and they never call. I applied for a credit card there, i had to fill my application 3 times, because they were losing my information, after going 5 times to correct their mistakes, i was told that i was approved for $500 credit, but they needed to verify my employment, they call my employee and gave him the wrong information so they could not verify. They told me that my social security information in the bank was incorrect i  told them it was impossible to check again, they made me go to the bank again, when they showed me the credit card application, it was not even the same application i filed up, it was not even my hand writing, they told me they were going to correct the situation, that I did not have to worry, one week later I call again to see any update and they told me that the closed my application and that i had to run my credit again and apply. This bank is the worst bank experience i have ever had.




Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Dade County Federal Credit Union had $2.26 million in non-current loans and owned real-estate with $70.43 million in equity and loan loss allowances on hand to cover it. This gives Dade County Federal Credit Union a Texas Ratio of 3.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Dade County Federal Credit Union decreased slightly from 3.81% as of March 31, 2013 to 3.21% as of March 31, 2014, resulting in a positive change of 15.68%.This indicates that the balance sheet and financial strength for Dade County Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Dade County Federal Credit Union has increased its total deposits by $20.2 million, resulting in 4.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dade County Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dade County Federal Credit Union has $597.28 million in assets with $70.43 million in equity, resulting in a capitalization level of 11.79%, which is excellent.

Institution Statistics

NCUA #24508
Year Chartered1991
Primary Regulator
Assets and Liabilities
Assets$597.28 million
Loans$284.63 million
Deposits$511.71 million
Equity Capital$66.64 million
Loan Loss Allowance$3.79 million
Unbacked Noncurrent Loans$2.26 million
Real Estate Owned$0
Historic Data - March 2013
Assets$576.42 million
Equity Capital$67.20 million
Loan Loss Allowance$4.36 million
Unbacked Noncurrent Loans$2.26 million
Real Estate Owned$75,000
Profit Margin - Quarterly
Return on Assets0.73%
Return on Equity6.58%
Interest Income$5.63 million

Always verify rates and promotions with the bank or credit union. We are not Dade County Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Dade County Federal Credit Union Savings Account Rates

0.30%$5k-Share Savings
0.30%$5k-IRA Shares Savings
0.30%$5k-Club Accounts
0.30%$5k-Roth IRA Shares Savings
0.20%$5k-Business Share Savings

Dade County Federal Credit Union Money Market Rates

0.40%$50k-Business Money Management
0.35%$50k-Money Management

Dade County Federal Credit Union Checking Account Rates

2.00%-$5kRewards Checking - Qualifying
0.50%$3k-Simple Business Checking
0.15%$5k-Share Draft Checking
0.10%--Rewards Checking - Non Qualifying

Dade County Federal Credit Union CD Rates

1.75%$500-60 Month Share Certificate
0.75%$500-30 Month Share Certificate
0.55%$500-18 Month Share Certificate
0.50%$500-12 Month Share Certificate
0.40%$500-6 Month Share Certificate
0.35%$500-3 Month Share Certificate

Dade County Federal Credit Union IRA Rates

0.80%$500-36 Month IRA Share Certificate
0.60%$500-24 Month IRA Share Certificate
0.50%$500-12 Month IRA Share Certificate

Dade County Federal Credit Union has 14 locations. Click to view all Dade County Federal Credit Union locations.