MPS Credit Union

Overview / Commentary
2190 NW 72nd Ave
Miami, FL 33122

MPS Credit Union is headquartered in Miami and is the 55th largest credit union in the state of Florida. It is also the 1,292nd largest credit union in the nation. It was established in 1991 and as of September of 2023, it had grown to 44 employees and 13,621 members at 3 locations. MPS Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

MPS Credit Union is open to those who live, work, or worship in the Florida counties of Broward, Martin, Miami-Dade, Monroe, Palm Beach, or St. Lucie. Current and retired postal employees and Federal Government employees are eligible for membership, as well as immediate family members of a current MPS Credit Union member.
See current membership details

Reviews (2)

Okay Credit Union, Down Fall

It a nice credit union with good interest but only down fall is the check card limit is only three uses allowed per month at non MPS location after that it is 1.00 charge. after i established and read that in agreement. The representative didn't tell me that restrict or show me the fee I regret opening the account. the location are bit far from me. it does allow shared branch but the local credit union around me. I dont like them everytime i go there its an issue with them trying to find my account and giving me around this is at WE FLORIDA.

MPS Credit Union

I have been a member of Miami postal service credit union for a couple years now . They are one of the credit unions that has the lowest interest rate loans or automobile loans . The account number is easy to remember because it has only five digits . This downside of the credit union is that they're not conveniently located everywhere I believe in Florida they have approximately 2 to 3 locations . I have a savings account with them including CDs which have the highest interest rate .


Health Grade Components

NCUA #67330
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD8.8%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$190.6MM$168.7MM
LoansQ3 2023vs Q3 2022$112.7MM$85.9MM
DepositsQ3 2023vs Q3 2022$166.1MM$150.4MM
Equity CapitalQ3 2023vs Q3 2022$16.8MM$15.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.3MM$660K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.2MM$429K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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MPS Credit Union Savings Account Rates

0.40%--IRA Savings Account
0.05%--Regular Share
0.05%--Youth Share
0.05%--Club Account

MPS Credit Union CD Rates

3.56%$1k-60 Month CD
3.35%$1k-36 Month CD
3.30%$1k-24 Month CD
3.25%$1k-18 Month CD
2.99%$1k-12 Month CD
2.53%$5k-9 Month Jumbo CD
2.53%$25k-9 Month Super Jumbo CD
2.02%$1k-9 Month CD
1.97%$1k-6 Month CD
1.97%$250-6 Month Youth CD

MPS Credit Union IRA Rates

3.56%$1k-60 Month IRA
3.35%$1k-36 Month IRA
3.30%$1k-24 Month IRA
3.25%$1k-18 Month IRA
2.99%$1k-12 Month IRA
2.02%$1k-9 Month IRA
1.97%$1k-6 Month IRA

MPS Credit Union Locations
Branch Office12677 S Dixie Hwy Southpark CenterPinecrest, FL 33156-5958
Branch Office6171 NW 183rd StHialeah, FL 33015-6030
Branch Office2190 NW 72nd AveMiami, FL 33122-1824

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