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Share (Savings) Account
In order to obtain membership into the Credit Union, a Share Account, or basic savings account, must be established with a minimum balance of $5. Generally, our Share Account pays a higher return rate than similar accounts at other financial institutions.
Checking Account
No minimum balance requirements, no monthly service fees, and no per check charges are just a few features that our checking accounts offer. In addition, members receive the added benefits of overdraft protection, 24-hour account access at ATMs, and automatic deposits through payroll deductions or direct deposit of net pay.
Money Market Account
Earn high yields with no penalties for early withdrawls with a minimum investment of $2,500 through our money market account.
Club Accounts
Whether saving for a vacation or for the holidays, Club Accounts can assist our members in meeting their goals while earning dividends.
Share Certificate Accounts
Lock in higher rates of return for terms as short as 3 months and as long as 60 months. Minimum deposit to open a CD is only $500.00. IRA CD’s are also available for the same terms and rates.
Individual Retirement Accounts (IRAs)
The Credit Union offers Traditional, Roth and Education IRAs, each with their own long-term benefits or tax-advantage savings. Members can choose from various investment plans, including a no minimum Share IRA, Certificate IRAs or Market Index Certificates.
Interest rates are highly competitive and often vary according to the purpose of the loan, an individuals' credit history and collateral, if offered. All Credit Union loans are calculated as simple interest, with finance charges based on the actual time the borrowed funds are used.
The following types of loans are available through the Credit Union:
- New and Used Cars
- Home Equity
- Personal Line of Credit
- Boats
- RV's
- Motorcycles
- Share Secured
Click here to apply online!
For an application, contact us at 305.545.0744
Direct Deposit: Convenient! Free! Immediate access to your money!
Enrollment is simple! Just complete a form with your employer and you can enjoy the convenience of having Direct Deposit payments into your South Florida Federal Credit Union account. If you need assistance, please contact a member service representative online, stop by or call us at 305.545.0744 #114.
South Florida Federal Credit Union’s Routing and Transit Number is 266080686
Go Direct
 Go Direct - the safest, easiest way to get Social Security or SSI.Sign up for direct deposit of your Social Security or SSI payment today!
Call toll-free helpline at (800) 333-1795 or sign up online at www.GoDirect.org
Payroll Deduction
Members can arrange to have any portion of their paycheck sent to the Credit Union for deposit into the account(s) of their choice.
Member Audio Response System (MARS)
Our MARS system allows members to easily access account information 24-hours a day. Members can listen to account balances, verify cleared checks, and even conduct transfers. Click here to receive detailed instructions on how to access the system.
Overdraft Privilege
With overdraft privilege, you may now avoid the embarassment of returned checks and the inconvenience of merchant fees. Best of all, your reputation is safer. Overdraft privilege is not a line of credit. This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to a limit of $700 (with Direct Deposit) or $500 (without Direct Deposit) after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy. Learn more about Overdraft Privilege.
ATMs
Our Credit Union ATM cards give members access to their accounts at any available Presto and CU24/Member Access ATM machines. Additional ATM locations include Cedars Medical Center, VA Medical Center and our drive-thru window. Please use our "ATM Locator" for a list of available ATMs nearest you.
Shared Facilities
South Florida Federal Credit Union is an active participant in the Shared Branching network of credit unions. Members can visit any shared service center and conduct routine transfers. Please use the "Service Center Search" to locate a service center nearest you.
- Direct Deposit of Social Security Pension and Recurring Government Checks
- Safe Deposit Boxes
- Personal Line of Credit
- Wire Transfers
- Savings Bond Redemption
- Special Member Discounts and Incentives
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