Dade County Federal Credit Union

Overview / Commentary
1500 Nw 107th Ave
Doral, FL 33172

Dade County Federal Credit Union is headquartered in Sweetwater and is the 21st largest credit union in the state of Florida. It is also the 343rd largest credit union in the nation. It was established in 1991 and as of March of 2024, it had grown to 247 employees and 103,927 members at 10 locations. Dade County Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Dade County Federal Credit Union is open to those who live, work, worship, attend school in Miami-Dade County in Florida.
See current membership details

Reviews (7)


Posted by: |

Run away from this place. Horrible customer service outrageous fees I opened an account for my son in 2009 along with CD's that barely accumulated any interest. They took $100 from a $380 savings account for returned mail. The account was opened for over 8 years. Who charges returned mail of $5 when stamps are $.50. Needless to say the attempt to change the address over the phone was impossible. They want you to come to the branch to change your address that way if your not able they steal your money. It's 2018 they can easily take your email and email your statement!!! Thieves is the only way to describe this institution you can see the lack of customer service in every ones face specially in the Miami Gardens branch. Branch manager was rude and not willing to help. His support for stealing my money was to pull out a piece of paper revised 11/17 clearly not what I agreed on in 2009. How can you have $380 in a savings account for over 8 years and finish with $280 when you haven't pulled one dime. Once again thieves!!!! My review is a minus 100

Be Very Careful Using DCFCU To Pay Your Bills

I was using a commercial bank, but I decided to transfer my direct deposit to this credit union hoping to have better deals, but shortly thereafter I deposited money to make up for a utility bill, and everything looked fine. When the payment request came, they pretend the additional deposit came too late and slapped me with a $29 NSF. So when you deposit cash in off business hours, they will play with that if you have to use your account to pay for anything. And they say they will NEVER waive any NSF. Everything takes forever with them except applying fees.

Poor Customer Service, Witholding Of Funds

Posted by: |

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.

Be Careful Of The Tricks And Traps This CU Engages In

Posted by: |

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!


Posted by: |

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.


Posted by: |


Customer Service Failure Regarding High Yield Checking Interest Payment

Posted by: |

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.


Health Grade Components

NCUA #24508
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD16.54%
Annual Interest Income$16.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.37B$1.18B
LoansQ1 2024vs Q1 2023$872.9MM$736.5MM
DepositsQ1 2024vs Q1 2023$1.06B$1.05B
Equity CapitalQ1 2024vs Q1 2023$104.5MM$88.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$11.8MM$11MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.4MM$1.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dade County Federal Credit Union Savings Account Rates

0.15%*$5k*-Business Share Savings
OTHER TIERS: 0.05% $100 - $500 | 0.10% $500 - $5k
0.15%*$50k*-Share Savings
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $50k
0.15%*$50k*-IRA Shares Savings
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $50k
0.15%*$50k*-Holiday Club
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $50k
0.15%*$50k*-Vacation Club
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $50k

Dade County Federal Credit Union Money Market Rates

3.82%*$1m*-Business Money Management
OTHER TIERS: 0.35% $2.5k - $25k | 0.40% $25k - $50k | 0.45% $50k - $1m
1.06%*$250k*-Money Management
OTHER TIERS: 0.40% $2.5k - $5k | 0.45% $5k - $50k | 0.65% $50k - $100k | 0.95% $100k - $250k

Dade County Federal Credit Union Checking Account Rates

0.05%$3k-Simple Business Checking
0.05%$1k-Secured Checking
0.05%$1k-Shared Draft Checking
0.05%$1k-Perfect Checking

Dade County Federal Credit Union CD Rates

3.07%$500-18 Month Share Certificate
2.92%$500-12 Month Share Certificate
2.55%$500-60 Month Share Certificate
1.91%$500-6 Month Share Certificate
0.70%$500-3 Month Share Certificate

Dade County Federal Credit Union IRA Rates

3.07%$500-24 Month IRA Share Certificate
2.92%$500-12 Month IRA Share Certificate
2.55%$500-36 Month IRA Share Certificate

Cities: Cutler Bay, Hialeah, Homestead, Miami, Miami Gardens, Sweetwater

Cutler Bay Branches
Branch Office20295 S Dixie HwyCutler Bay, FL 33189-1207

Hialeah Branches
Branch Office1012 W 49th StHialeah, FL 33012-3322

Homestead Branches
Branch Office29850 S Dixie HwyHomestead, FL 33033

Miami Branches
Branch Office3100 SW 62nd AveMiami, FL 33155
Branch Office10900 SW 88th StMiami, FL 33176
Branch Office111 NW 1st STMiami, FL 33128
Branch Office1611 NW 12th Ave Ste HMiami, FL 33136-1005

Miami Gardens Branches
Branch Office19501 NW 27th AveMiami Gardens, FL 33056
Branch Office20645 NW 2nd AveMiami Gardens, FL 33169

Sweetwater Branches
Branch Office1500 NW 107th AveSweetwater, FL 33172-2706

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