Dade County Credit Union Cutler Bay FL | Best Auto Loans & ATM Access

Introduction

Welcome to Dade County, a trusted financial partner right here in Cutler Bay, FL. Established in 1991, we have proudly served our community for over three decades, helping our 105,485 members achieve their financial goals. Located at 20295 S Dixie Hwy, we are dedicated to providing personalized banking solutions tailored to your needs. At Dade County, we understand that financial decisions can be overwhelming. That's why our team, led by CEO George Joseph and Board President Bonnie Burrell, is committed to offering you reliable support every step of the way. With total assets amounting to an impressive $1,378,374,240, we are well-equipped to help you navigate everything from auto loans to mortgage refinancing. Our credit union boasts a robust portfolio with over 43,272 loans and leases extended to our members. As part of our dedication to community growth, we also manage total deposits of $28,894,954, ensuring your money is safe and secure while working for you. We take pride in our net worth of $161,625,752, showcasing our strong financial foundation. While members can visit us at 20295 S Dixie Hwy, official correspondence should be sent to 1500 NW 107th Ave, Doral, FL 33172. Whether you're looking for personal banking services or business banking options like merchant services and loans, we're here for you. With convenient hours from Monday through Saturday and features like mobile banking and ATMs available for your convenience, it's easy to see why so many choose Dade County as their financial home. If you're ready to experience the difference of community-focused banking or have any questions about our services, don't hesitate to give us a call at 305-471-5080 or visit us online at dcfcu.org. Join us today and discover how Dade County can support your financial journey!

Branch History & Mission

Community Focus

Our partnerships with local organizations reflect our dedication to community support. We participate in various outreach efforts aimed at improving financial literacy among residents and providing assistance where it's needed most. By fostering these connections, we reinforce our commitment to being more than just a credit union; we are an integral part of Cutler Bay's fabric. As we look ahead, we invite you to join us on this journey. Experience the benefits of membership with Dade County where your financial goals align with community values. Whether you're looking for checking accounts, loans, or simply want to learn more about managing your finances better, we're here for you every step of the way. Call us today at 305-471-5080 or visit us online at Dade County to discover how we can help you achieve your dreams!

Our Evolution

Since our inception, Dade County has embraced the spirit of collaboration and service. We have continuously evolved to meet the changing needs of our members while maintaining our foundational values. With each passing year, we've introduced new services that empower individuals and businesses alike. From personal banking solutions to auto loans and mortgage refinancing, we ensure that everyone in our community has access to the financial tools they need to succeed. Our physical presence in Cutler Bay allows us to serve not just as a bank but as a partner in the growth of this area. While you can visit us at our branch address, official correspondence should be sent to our mailing address at 1500 NW 107th Ave, Doral, FL 33172.

Our Mission

At Dade County, our mission is clear: we strive to enhance the financial well-being of our members by offering exceptional products and personalized service. We believe that banking should be more than just transactions; it should be about building relationships and fostering trust within our community. Our commitment extends beyond financial services; we actively engage in outreach programs aimed at uplifting those around us. We are proud to offer features such as online and mobile banking for convenience and accessibility, alongside ADA-compliant facilities that ensure everyone can benefit from our services. Our drive-thru banking provides additional flexibility for those on-the-go, while our ATMs are readily available for quick cash withdrawals and balance checks.

Branch Location & Accessibility

Easy Access and Parking

Getting to our branch is easy! We offer ample parking right outside for your convenience. The building is equipped with ADA-compliant features, including ramps, ensuring accessibility for all members. Whether you prefer to walk in or take advantage of our drive-thru services, we're here to make your banking experience as smooth as possible.

Operating Hours

We know that life can be busy, so we've tailored our hours to fit your schedule. You can visit us Monday through Wednesday from 9:00 AM to 4:30 PM and Thursday through Friday from 8:00 AM to 5:00 PM. Need banking help on Saturday? We're open from 9:00 AM until 1:00 PM for drive-thru services.

Services Offered

At Dade County's South Branch, we provide a wide range of financial services designed to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our drive-thru allows for easy deposits and withdrawals without leaving your car, while our ATMs are available for quick cash access anytime you need it. While members can visit us at 20295 S Dixie Hwy Cutler Bay Fl 33189, official correspondence should be sent to our mailing address at 1500 NW 107th Ave, Doral, FL 33172. If you have any questions or need assistance, feel free to give us a call at 305-471-5080. We look forward to welcoming you at Dade County's South Branch!

Member Eligibility

At Dade County, we believe in creating a community where everyone feels welcome and supported. If you're interested in joining us, you'll be happy to know that becoming a member is easy! To be eligible, you simply need to live, work, worship, or attend school in the vibrant Miami-Dade area. We want to include as many people as possible in our family, so if you fit within these criteria, we invite you to take the next step. For more detailed information on eligibility, check out our guidelines at https://dcfcu.ecutechnology.com/membershipx/agreements . Opening an account with us is straightforward and can be done online or in person at our branch located at 20295 S Dixie Hwy Cutler Bay Fl 33189. If you have any questions or need assistance during the process, feel free to give us a call at (305) 471-5080. Joining Dade County means gaining access to valuable financial services and being part of a caring community that looks out for your best interests. We're excited to welcome you!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $786 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $234,675,125, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

Imagine having a reliable partner to handle your transactions smoothly. Our merchant services are designed to make payment processing easy, allowing you to focus on running your business. Whether it's credit card processing or mobile payments, we offer solutions that help improve cash flow and enhance customer satisfaction. Visit us at 20295 S Dixie Hwy Cutler Bay Fl 33189 in Cutler Bay, FL, or call us at (305) 471-5080 to learn more about how our business banking and commercial services can help your enterprise thrive!

Comprehensive List Of Services

Accessible ATM Services

Need cash on the go? Our network of ATMs allows for easy access to funds whenever you need them. With basic ATM services available for withdrawals and balance checks, getting cash has never been simpler.

Business Banking Solutions

For small business owners, we offer specialized services like merchant services and business loans. We know how vital these resources are for growth and success. With the right support from us, you can focus on what matters most running your business.

Credit Cards with Rewards

Every time you use one of our credit cards, you earn rewards! It's a simple way to get more from your spending. Whether you're using it for groceries, gas, or travel, you'll enjoy benefits that can help stretch your budget even further.

Digital Banking Convenience

In today's world, convenience is key. That's why we have invested in advanced online and mobile banking solutions. You can manage your accounts anytime, anywhere. From making deposits to transferring funds and checking balances all through our user-friendly mobile app or website.

Drive-Thru Banking Made Easy

For those who prefer face-to-face interactions but with convenience in mind, our drive-thru banking offers essential services such as deposits and withdrawals without leaving your car. At Dade County, we're committed to offering services that make financial management straightforward and approachable. Our friendly team is always ready to assist with any questions or needs you may have. For more information about our services or to speak with a representative, please call us at (305) 471-5080 or visit us online at https://www.dcfcu.org/ . We look forward to helping you achieve your financial goals!

Loans for Every Need

If you're considering purchasing a new vehicle or refinancing your home, our auto loans and mortgage loans are here to help. Our competitive rates make it easier than ever to drive away in your dream car or settle into your new home without breaking the bank. For those looking to consolidate debt or cover unexpected expenses, our personal loans provide quick access to cash when you need it most.

Personal Banking Services

We understand that managing your finances can be challenging. That's why we offer personal banking options like checking and savings accounts designed for everyday needs. Whether you're saving for a vacation, a new car, or just building an emergency fund, our accounts provide you with the flexibility and support you need.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to paper clutter! We provide e-statements so you can easily keep track of your transactions without the hassle of physical documents. You'll receive timely updates directly in your inbox. For added convenience, our mobile payments feature allows you to make purchases directly from your smartphone. It's simple and efficient no more fumbling for cash or cards when you're out and about.

Key Features of Our Digital Banking Services

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you're always on the go, our mobile application makes it easy to manage your finances from the palm of your hand. Whether you're checking transactions or making payments, everything is right at your fingertips. Security is a top priority for us. We ensure that all your financial data is protected with advanced security measures. Even though we currently don't offer electronic signature authorization, you can rest assured knowing that your information remains safe as you use our services.

Person-to-Person Transfers Made Easy

Need to send money to a friend? Our person-to-person transfer service lets you send funds quickly and securely without any stress. Just a few taps on your mobile device, and you're done! In today's fast-paced world, having access to reliable online banking tools is crucial. At Dade County, we're committed to providing services that not only meet but exceed your expectations. Experience the ease of banking digitally today!

Financial Strength

Commitment to Growth

With $160,539,093 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial goals is evident with $8,960 in used auto loans and $934,667,515 in total loans and leases. This shows our commitment to helping you achieve your dreams whether it's buying a new car or securing a home.

Member Trust

We have built trust within our community, as shown by our total of 194,157 accounts that reflect a strong and growing member base. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Dade County is your trusted partner. Visit us at 20295 S Dixie Hwy Cutler Bay Fl 33189 or call (305) 471-5080 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Operational Efficiency

Our performance reflects our operational efficiency with $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 250 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $213,515,217 in share certificates and $103,252,990 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $161,625,752, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,180 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $185,492,361 in used vehicle loans and $181,198,657 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget. Plus, our refinancing options make it easier than ever to lower your monthly payments if you're looking to save more.

Credit Lines and Unsecured Credit Cards

For those needing flexibility in managing their finances, we have total credit lines loans amounting to $385,483,142. These loans provide an easy way to access funds when needed. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $49,439,188 in loans helping members manage their finances effectively. This can be a great option for covering unexpected expenses or making larger purchases without impacting your budget too much.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $100,288,284, make buying or refinancing simple. We offer various terms and competitive rates to help you secure the financing you need for your dream home. If you're already a homeowner, don't forget that refinancing options are available to help you take advantage of lower interest rates.

Support for Businesses

If you're a business owner, our outstanding commercial loans totaling $234,675,125 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your journey with tailored solutions. At Dade County, we're committed to helping our members navigate their financial journeys with ease. To explore our loan products further or discuss eligibility options, feel free to reach out at (305) 471-5080 or visit us at 20295 S Dixie Hwy Cutler Bay Fl 33189 in Cutler Bay, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us be part of your success story!

Loan Aggregator

Accurate Loan Comparisons

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Get Started Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

DADE COUNTY FEDERAL CREDIT UNION