At a glance
From its website, read 2 Nov 2026Dade County Federal Credit Union is a credit union based in Sweetwater, Florida. Its website describes auto loans, small-dollar emergency loans and personal loans. Where it lends: Palm Beach, Broward, Miami-Dade and Monroe Counties, Florida. The consumer loan APR it states is 10.49%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.dcfcu.org |
| Office (official list) | 1500 NW 107th Avenue, Sweetwater, FL 33172 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | New Auto Loans 36 Months As low as 3.74% | source |
| Personal / consumer loans | Rate: from 10.49% APR | Signature Loan Up to 60 months As low as 10.49% APR | source |
| Auto / vehicle loans | Term: see their wording | Maximum loan term up to 72 months. | source |
| Home mortgages | Term: see their wording | HELOC has a 20-year term with 10-year draw period. | source |
| Personal / consumer loans | Term: up to 5 yr | Signature Loan Up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership is required.
source - No or thin credit history considered
This loan is perfect for those with a limited credit profile.
source - Collateral required
Rates and terms subject to creditworthiness, income and sufficient collateral requirements.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 3 Oct 2019 |
| RSSD ID | 94193 |
| Address | 1500 NW 107th Avenue, Sweetwater, FL 33172 Directions (Google Maps) |
| Website | www.dcfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan terms state that membership is required, and minimum loan amounts vary by product. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Get pre-approved in minutes, lock in some of the lowest auto loan rates in South Florida | source |
| Small-dollar / emergency loans | up to $500 | Get Up to $500 Fast with No Credit Check! | source |
| Personal / consumer loans | up to $20,000 | Borrow up to $20,000 to prepare, protect, and recover with confidence. | source |
Loan sizes
Service area
Palm Beach, Broward, Miami-Dade and Monroe Counties, Florida
Serving families across Palm Beach, Broward, Miami-Dade, and Monroe Counties, we’re here to help.
source
Counties this matches: Broward County, FL, Miami-Dade County, FL, Monroe County, FL, Palm Beach County, FL
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Quick online application
source
Pages read (7)
- https://www.dcfcu.org/
- https://www.dcfcu.org/hurricane?utm_source=dcfcu&utm_medium=homepage&utm_campaign=hurricane
- https://www.dcfcu.org/loans/route-66/
- https://www.dcfcu.org/loans/gap/
- https://www.dcfcu.org/loans/auto-loans/
- https://www.dcfcu.org/loans/loan-rates/
- https://www.dcfcu.org/services/greenpath/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and small-dollar emergency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.5 million in 6 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2024 | Small Dollar Loan Program | $287,417 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | Small Dollar Loan Program | $271,988 |
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as DADE COUNTY (charter 24508). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.5 billion (as of 30 Jun 2026) |
|---|---|
| Members | 111,518 (as of 30 Jun 2026) |
| Offices | 11 (as of 30 Jun 2026) |
Offices by state and county (11)
Florida (11 offices)
- Broward County (1): 179 N Hiatus Rd, Pembroke Pines 33026
- Miami-Dade County (10): 1500 NW 107th Ave, Sweetwater 33172 (main office); 20295 S Dixie Hwy, Cutler Bay 33189; 1012 W 49th St, Hialeah 33012; 29850 S Dixie Hwy, Homestead 33033; 10900 SW 88th St, Miami 33176; 111 NW 1st St, Miami 33128; 1611 NW 12th Ave Ste H, Miami 33136; 19501 NW 27th Ave, Miami Gardens 33056; 20645 NW 2nd Ave, Miami Gardens 33169; 1500 NW 107th Ave, Sweetwater 33172
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Dade County Federal Credit Union (NCUA charter 24508, filed as “DADE COUNTY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.10 billion, 46,538 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.3% from $1.02 billion on 30 Jun 2025 |
| Members | 111,518 (as of 30 Jun 2026); 108,320 (as of 30 Jun 2025) |
| Loans per member | $9,832 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.54 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $247.8 million | 22.6% |
| Used vehicle loans | $207.6 million | 18.9% |
| First-lien home mortgages (1-4 family) | $95.3 million | 8.7% |
| Other real estate loans (junior liens, other) | $121.4 million | 11.1% |
| Commercial (business) loans | $326.7 million | 29.8% |
| Credit cards | $40.3 million | 3.7% |
| Other unsecured loans | $55.7 million | 5.1% |
| Leases and other secured loans | $1.9 million | 0.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Dade County Federal Credit Union reported 296 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $57.5M (median loan about $115,000). 50 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 50 | 17% |
| Refinance (incl. 109 cash-out) | 109 | 37% |
| Home improvement | 85 | 29% |
| Other purpose | 50 | 17% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 296 | 100% |
Included above: 240 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 8 counties with at least one; 100% of its 2025 loans were for properties in Florida:
- Miami-Dade County, FL (231)
- Broward County, FL (56)
- Collier County, FL (3)
Filed under LEI 254900EL5N0NK8M96118 as “Dade County Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.54 billion | Larger than 89% of the 19 other certified credit unions in Florida (median $379.2 million). |
| Loans as a share of assets | 71% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.02 billion → $1.10 billion (+7%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 296 | More than 75% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 89% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 5 → 5 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 75% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Personal / consumer loans (this lender states from 10.49%): JetStream Federal Credit Union from 9.99% (7 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data. Stated rates: each lender's own website, read on the date shown.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Dade County Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Dade County FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Dade County Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Sweetwater and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
Work at Dade County Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.