Personal & Secured


A personal loan from Miami Firefighters FCU is a great way to borrow for an unexpected expense, a big purchase, a long awaited vacation, back to school expenses, auto mechanic expenses, dentistry/orthodontics or even debt consolidation.

Whatever the reason, we offer flexible terms, a competitive 10.9% fixed rate, convenient payments through payroll deduction or automatic transfer, and you can borrow a minimum of $500 to a maximum of $20,000.*

Apply for your loan now or you may also call us at your convenience at 305.324.4004 or stop by our office.

*The maximum MFFCU unsecured indebtedness of $20,000 per member includes Visa credit limit.

Credit Card Consolidation

Trying to find ways to fit your credit card payments into your budget?  Tired of paying excessive bank credit card interest rates and late fees?  Think making payments for 25-30 years to pay off your credit card balances is TOO LONG!!!

Miami Firefighters FCU has specifically created a loan product to help members stop using their expensive credit cards and pay-down their existing unsecured high-interest debt at a fair rate! Our credit card (debt) consolidation loan allows you to combine your credit cards into a closed end signature loan at a fixed low rate and flexible terms. Since the rate is lower it means the payments are usually lower than you are currently making and instead of paying on your credit card for 25-30 years you will have the entire balance paid off in 3-5 years!

Why pay higher interest and make more payments each month than you have to?

  • Rate as low as 8.00% APR*
  • Borrow up to $20,000**
  • Convenient payments through payroll deduction or automatic transfer

Apply for your loan now or you may also call us at your convenience at 305.324.4004 or stop by our office.

*APR – Annual Percentage Rate.  Loan rates, which are subject to change without notice, may vary with respect to your credit history.
** The maximum MFFCU unsecured indebtedness of $20,000 per member is inclusive of any Visa credit limit. Credit Union loans are granted on the basis of credit worthiness, ability to repay.


A share secured loan is a loan that is secured by funds in your share account or share certificate account.  The loan amount is put on “hold” in the corresponding account and you will continue to earn dividends. As you pay down your loan, the “hold” amount in your account is released back to you as available funds.

  • Secured loans are based on your available balances and can be used for any purpose.
  • Rate is 2% above the current share savings or share certificate dividend rate.
  • The maximum loan term is 60 months or the remaining term of the certificate.
  • Convenient payroll deduction or automatic payments.
  • Payments can be interest only or a fixed payment at the maturity of the certificate.

Member Rewards

Build your relationship with Miami Firefighters FCU. With our Member Rewards program the more you use your credit union for loans, checking and savings accounts, the more your credit union prospers and grows and this means more and better services and pricing for you.

Discover more of what we have to offer!

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Great Rates

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