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 393rd largest credit union in the nation. It was established in 1991 and as of June of 2018, it had grown to 263 employees and 96,027 members at 12 locations. Dade County Federal Credit Union's money market rates are 59% higher than the national average, and it 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 (7)

WORSE EXPERIENCE EVER !!!!

Posted by: rvalde | May 3, 2018

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: 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

Health Grade Components

Overall
NCUA #24508
Year Chartered1991
Employees263
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD12.72%
Annual Interest Income$17.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$765.5MM$720.6MM
LoansQ2 2018vs Q2 2017$463.2MM$418.9MM
DepositsQ2 2018vs Q2 2017$666.8MM$629.7MM
Equity CapitalQ2 2018vs Q2 2017$77.4MM$75.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$5.7MM$3.6MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.6MM$1.7MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Share Savings
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $5k | 0.30% $5k - $50k
0.40%*$50k*-IRA Shares Savings
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $5k | 0.30% $5k - $50k
0.40%*$50k*-Club Accounts
OTHER TIERS: 0.05% $100 - $500 | 0.15% $500 - $5k | 0.30% $5k - $50k
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
0.70%*$100k*-Money Management
OTHER TIERS: 0.20% $2.5k - $5k | 0.40% $5k - $50k | 0.50% $50k - $100k
0.20%*$50k*-Business Money Management
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k

Dade County Federal Credit Union Checking Account Rates

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

Dade County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.87% $500 - $10k | 1.92% $10k - $40k | 1.97% $40k - $70k | 2.02% $70k - $100k
1.16%*$30k*-30 Month Share Certificate
OTHER TIERS: 0.95% $500 - $10k | 1.06% $10k - $30k
1.00%*$30k*-18 Month Share Certificate
OTHER TIERS: 0.75% $500 - $10k | 0.95% $10k - $30k
0.80%$500-12 Month Share Certificate
0.60%$500-6 Month Share Certificate
0.35%$500-3 Month Share Certificate

Dade County Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500-36 Month IRA Share Certificate
0.85%$500-24 Month IRA Share Certificate
0.80%$500-12 Month IRA Share Certificate
Locations

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