Featured Savings Rates
Featured Accounts

Dade County Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%5-year CD60 Month Share Certificate
0.50%1-year CD12 Month Share Certificate
0.30%SavingsShare Savings

Overview / Commentary
305-471-5080
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 387th largest credit union in the nation. It was established in 1991 and as of September of 2016, it had grown to 262 employees and 106,619 members at 12 locations. Dade County Federal Credit Union has an A+ 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

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Reviews (5)

Poor Customer Service, Witholding Of Funds

Posted by: bankocsaif | Aug 5, 2013

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: frank10b | Jul 14, 2013

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!

WORST BANK EVER

Posted by: YAN | May 1, 2013

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.

POOR CUSTOMER SERVICE

Posted by: MIAMIFL | May 14, 2012

WORST EXPERIENCE EVER. THIS BANK" DO NOT RESPECT YOU NOR VALUE YOU AS A CUSTOMER. POOR CUSTOMER SERVICE; THE AGENTS ARE NOT AUTHORIZED TO HELP YOU. WORST EXPERIENCE EVER. WILL NOT BE BACK!!!!!!

Customer Service Failure Regarding High Yield Checking Interest Payment

Posted by: Anonymous | Aug 30, 2010

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
A+

Health Grade Components

Overall
NCUA #24508
Year Chartered1991
Employees262
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.99%
Annual Interest Income$19.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$693.2MM$627.2MM
LoansQ3 2016vs Q3 2015$362.3MM$327.2MM
DepositsQ3 2016vs Q3 2015$604.2MM$542.5MM
Equity CapitalQ3 2016vs Q3 2015$75.0MM$72.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.5MM$3.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.4MM$2.3MM
Real Estate OwnedQ3 2016vs Q3 2015$0$202.00K
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$5k*-Share Savings
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $1k | 0.20% $1k - $5k
0.30%*$5k*-IRA Shares Savings
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $1k | 0.20% $1k - $5k
0.30%*$5k*-Club Accounts
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $1k | 0.20% $1k - $5k
0.30%*$5k*-Roth IRA Shares Savings
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $1k | 0.20% $1k - $5k
0.15%*$5k*-Business Share Savings
OTHER TIERS: 0.05% $100 - $500 | 0.10% $500 - $5k

Dade County Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Management
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.20%*$50k*-Business Money Management
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $50k

Dade County Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$5k*-Share Draft Checking
OTHER TIERS: 0.10% $1k - $5k
0.05%$3k-Simple Business Checking

Dade County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$500-36 Month IRA Share Certificate
0.60%$500-24 Month IRA Share Certificate
0.50%$500-12 Month IRA Share Certificate
Locations

Dade County Federal Credit Union has 12 locations. Click to view all Dade County Federal Credit Union locations.