Credit Unions in Miami, FL
7 member-owned, NCUA-insured credit unions headquartered in or near Miami, serving a combined 174,915 members. The largest is Educational. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Educational
MIAMI, FL🇺🇸
122,426 members
Credit Unions & BankingView details →University
MIAMI, FL🇺🇸
16,273 members
Credit Unions & BankingView details →Baptist Health South Florida
Miami, FL🇺🇸
13,942 members
Credit Unions & BankingView details →Miami Postal Service
Miami, FL🇺🇸
12,757 members
Credit Unions & BankingView details →Miami Firefighters
MIAMI, FL🇺🇸
6,331 members
Credit Unions & BankingView details →Miami
MIAMI, FL🇺🇸
2,611 members
Credit Unions & BankingView details →Shaw-Ross Employees
Miami, FL🇺🇸
575 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Miami: they are based in or near Miami. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Miami
11 more credit unions headquartered elsewhere have a branch in Miami, FL. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Space Coast
Melbourne, FL🇺🇸
705,088 members
Credit Unions & BankingView details →American Airlines
Fort Worth, TX🇺🇸
374,627 members
Credit Unions & BankingView details →Dade County
Sweetwater, FL🇺🇸
111,518 members
Credit Unions & BankingView details →Justice
Chantilly, VA🇺🇸
79,173 members
Credit Unions & BankingView details →Tropical Financial
MIRAMAR, FL🇺🇸
62,337 members
Credit Unions & BankingView details →Guardians
WEST PALM BEACH, FL🇺🇸
36,157 members
Credit Unions & BankingView details →Power Financial
Pembroke Pines, FL🇺🇸
34,561 members
Credit Unions & BankingView details →People'S Alliance
Hauppauge, NY🇺🇸
33,068 members
Credit Unions & BankingView details →Jetstream
Miami Lakes, FL🇺🇸
14,143 members
Credit Unions & BankingView details →Connect Credit Union
Fort lauderdale, FL🇺🇸
5,032 members
Credit Unions & BankingView details →Powernet
Tampa, FL🇺🇸
3,830 members
Credit Unions & BankingView details →- Space Coast — branches: 12200 SW 127th Ave Miami, FL 33186-6599; 13793 S Dixie Hwy Miami, FL 33176-7220; 7171 SW 117th Ave Miami, FL 33183-2807; 5785 Bird Rd Miami, FL 33155-5334; 7250 SW 157TH AVE Miami, FL 33193; 20395 NW 2nd Ave Miami, FL 33169; 20395 NW 2nd Ave Miami, FL 33169
- American Airlines — branches: 6205 Waterford District Dr Ste 100 Miami, FL 33126-6015; 6150 NW 17th St Ste 206 Bldg 714 Miami, FL 33126; 4450 NW 22nd Ct Bldg 3095 Ste 268 Miami, FL 33142; Miami International Airport Concourse H, Ground Level Miami, FL 33122; Miami International Airport 25 NE 3rd Ave Rm DB3470 Miami, FL 33132
- Dade County — branches: 111 NW 1st ST Miami, FL 33128; 1611 NW 12th Ave Ste H Miami, FL 33136-1005; 10900 SW 88th St Miami, FL 33176
- Justice — branch: 400 NW 2nd Ave Ste 309 Miami, FL 33128-1706
- Tropical Financial — branch: 10510 N Kendall Dr Miami, FL 33176-1509
- Guardians — branch: 1902 NW 14th Ave Miami, FL 33125-1658
- Power Financial — branch: 1100 NW 95th St Miami, FL 33150-2038
- People'S Alliance — branch: 5757 Waterford District Dr Ste 100 Miami, FL 33126-2035
- Jetstream — branches: 7500 NW 58th St Miami, FL 33166; 3663 S Miami Ave Fl 2 Miami, FL 33133-4253
- Connect Credit Union — branch: 1000 NW 111th Ave Miami, FL 33172-5800
- Powernet — branch: 1657 NW 17th Ave Miami, FL 33125
How to join a credit union in Florida
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Miami or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Miami — common questions
How many credit unions are in Miami?
7 member-owned, NCUA-insured credit unions are headquartered in or near Miami, Florida, with a combined 174,915 members. The largest is Educational.
Are these the closest credit unions to me in Miami?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Miami, geocoded to the city. The second list adds 11 more credit unions headquartered elsewhere that NCUA shows with a branch in Miami, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Miami?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Florida accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Miami?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.