Personal Loans · Miami, Florida

Best Credit Union Personal Loan Rates in 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

Personal Loan Rates — Miami, Florida

7 credit unions sorted by APR

#Credit UnionPersonal Loan APRCredit Card APR
1MIAMI FIREFIGHTERS

★ 3.6 · 15 reviews

8.89%10.90%
2MIAMI POSTAL SERVICE

★ 4.0 · 291 reviews

9.49%15.50%
3MIAMI

★ 3.7 · 16 reviews

12.00%8.99%
4BAPTIST HEALTH SOUTH FLORIDA

★ 3.6 · 17 reviews

14.20%18.00%
5SHAW-ROSS EMPLOYEES14.57%—
6EDUCATIONAL

★ 4.5 · 83 reviews

15.15%17.25%
7UNIVERSITY

★ 4.1 · 39 reviews

15.99%15.99%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Debt Consolidation in Miami

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.

Share-Secured Loans

Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.

Browse All Credit Unions in Miami

See member reviews, branch locations, and full rate details.