Personal Loans · Miami, Florida
7 credit unions in Miami report personal loan rates to the NCUA. Rates range from 8.89% to 15.99%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
8.89%
Lowest Rate
12.90%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MIAMI FIREFIGHTERS ★ 3.6 · 15 reviews | 8.89% | 10.90% |
| 2 | MIAMI POSTAL SERVICE ★ 4.0 · 291 reviews | 9.49% | 15.50% |
| 3 | MIAMI ★ 3.7 · 16 reviews | 12.00% | 8.99% |
| 4 | BAPTIST HEALTH SOUTH FLORIDA ★ 3.6 · 17 reviews | 14.20% | 18.00% |
| 5 | SHAW-ROSS EMPLOYEES | 14.57% | — |
| 6 | EDUCATIONAL ★ 4.5 · 83 reviews | 15.15% | 17.25% |
| 7 | UNIVERSITY ★ 4.1 · 39 reviews | 15.99% | 15.99% |
If you have high-rate credit card balances, a personal loan from a Miami credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.