At a glance
From its website, read 2 Nov 2026Miami Postal Service Credit Union is a credit union based in Miami, Florida. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 1 other loan type. Stated loan amounts run from $1,000 to $400,000. Where it lends: Anyone who lives, works or worships in six South Florida counties. 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
| Toll-free | (800) 782-3630 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.mpscu.org |
| Office (official list) | 2190 NW 72nd Ave, Miami, FL 33122 |
What their website says about applying
Apply online and a mortgage representative will guide you and answer your questions.
sourceIn the meantime, get the process started now online by clicking the Apply Now button.
sourceLatest pay stub and latest W-2
source
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 Automobile rate as low as 3.49% for a term of 36 months. | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Automobile rate as low as 3.74% for a term of 36 months. | source |
| Personal / consumer loans | Term: see their wording | Flexible terms 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
MPS Credit Union membership is required.
source - No or thin credit history considered
For those just building their credit, a secured loan is a great way to get established.
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) | 4 Oct 2017 |
| RSSD ID | 845395 |
| Address | 2190 NW 72nd Ave, Miami, FL 33122 Directions (Google Maps) |
| Website | www.mpscu.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. Mortgage offerings through partner First Heritage were excluded, and the Spanish listing is only a menu toggle. 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 | — | New & Used Auto Loans | source |
| Credit-builder loans | — | For those just building their credit, a secured loan is a great way to get established. | source |
| Small-dollar / emergency loans | $1,000 – $2,500 | Borrow from $1,000-$2,500 | source |
| Personal / consumer loans | up to $10,000 | Generous credit limits up to $10,000 | source |
Loan sizes
Borrow from $1,000-$2,500
sourceGenerous credit limits up to $10,000
sourceThe minimum loan amount shall be $10,000.00 and the maximum $400,000.00.
source
Range used for the size filter: $1,000 to $400,000
Service area
Anyone who lives, works or worships in six South Florida counties
Membership is open to anyone who lives, works, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin or St. Lucie Counties.
source
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. get the process started now online by clicking the Apply Now button.
source
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 is the APR, including fees, on your auto loans and credit-builder 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?
Their website describes some application steps (above); ask for the full document list.
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$5.8 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Rapid Response Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $295,848 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 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 MIAMI POSTAL SERVICE (charter 67330). 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 | $184.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 12,757 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Florida (3 offices)
- Miami-Dade County (3): 2190 NW 72nd Ave, Miami 33122 (main office); 6171 NW 183rd St, Hialeah 33015; 12677 S Dixie Hwy, Pinecrest 33156
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 Miami Postal Service Credit Union (NCUA charter 67330, filed as “MIAMI POSTAL SERVICE”). 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 | $116.8 million, 86,759 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 0.9% from $115.7 million on 30 Jun 2025 |
| Members | 12,757 (as of 30 Jun 2026); 13,223 (as of 30 Jun 2025) |
| Loans per member | $9,155 (total loans divided by members, 30 Jun 2026) |
| Total assets | $184.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $22.5 million | 19.3% |
| Used vehicle loans | $36.5 million | 31.2% |
| First-lien home mortgages (1-4 family) | $20,704 | <0.1% |
| Other real estate loans (junior liens, other) | $39.4 million | 33.8% |
| Credit cards | $3.7 million | 3.2% |
| Other unsecured loans | $2.6 million | 2.3% |
| Leases and other secured loans | $12 million | 10.2% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $400,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 84% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $184.3 million | Larger than 16% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 63% | 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 | $115.7 million → $116.8 million (+1%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 18 → 18. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 84% |
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 16% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 18 → 18 of 20 |
“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.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Miami and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- MIAMI BAYSIDE FOUNDATION, INC.Loan fund · Miami, FLSmall-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, 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
Work at Miami Postal Service Credit Union? Link to this page
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