Skip to main content
Skip to navigation
graphic A group of maintenance professionals standing in a semi-circle collaborating.

EdFed Proudly Supports the Dade County School Maintenance Employee Committee (DCSMEC)

Exciting News!

Exclusive Credit Union Benefits for DCSMEC Members

Since 1935, EdFed has served Miami-Dade County Public Schools as the credit union of choice for employees and their families. And now, being an EdFed member is more convenient than ever before when you pay your DCSMEC dues automatically with the credit union.

And best of all, you and your immediate family can enjoy exclusive benefits that help save you money with low rates on loans and convenient account solutions to help simplify your financial life.

Becoming an EdFed Member is Rewarding

  • M-DCPS payroll credited early, biweekly on Wednesdays
  • Checking and savings accounts with no monthly maintenance fees1
  • EdFed Rewards Visa Debit Card with 1 point earned for every $2 spent on signature-based transactions (non-PIN)
  • Convenient surcharge-free withdrawals at over 55,000 Allpoint Network and Presto! ATMs, located within CVS, Publix, Target, and Walgreens locations
  • Vehicle Loans with $100 cash back2 and a FREE auto buying service to help negotiate your next car or truck purchase
  • First mortgages with additional savings of up to $1,000 cash back3
  • Home Equity Lines of Credit4 and Home Equity Fixed Rate Loans up to $300,000
  • EdFed Rewards Visa Credit Card with no annual fee5

Opening an EdFed Membership is Easy

Joining EdFed and enrolling in automatic payment of your DCSMEC dues is simple and seamless when you follow a few simple steps:

  • Click on the "Join Now" button below to begin your electronic enrollment
  • Complete the Acknowledgment to Use Electronic Records and Signatures
  • Complete and Sign Membership Application and Master Account Agreement
  • Complete and Sign the Authorization to Transfer Funds (DCSMEC Dues)
  • Complete and Sign the Authorization for Direct Deposit
  • Click "Finish" to Complete the Process

Once your new account has been successfully opened, you will receive a welcome email from EdFed.

Join Now    Enrollment Tutorial

Additional Ways to Join

DCSMEC members can also join the credit union by stopping by one of EdFed's seven convenient branch locations, or by attending an upcoming enrollment event.

Have additional questions on EdFed's membership benefits? Contact EdFed's DCSMEC concierge team at, Monday through Friday, 9:00 a.m. to 5:00 p.m.

Already an EdFed Member?

If you are an existing EdFed member and wish to enroll in automatic dues payment, select an option below to get started.

EdFed Members with Full Direct Deposit

Enroll Now    Enrollment Tutorial

EdFed Members with Partial/No Direct Deposit

Enroll Now    Enrollment Tutorial

1 If you have not made a withdrawal from, deposit to, or transfer involving your account for more than one (1) year, the Credit Union may classify your account as a dormant account. The Credit Union imposes a monthly service fee for continuing to process your dormant account as set forth on the Service Fee Schedule.

2 Offer good on all new EdFed auto, motorcycle, boat, and RV loans. Offer may be discontinued at any time without prior notice. Cash will be provided as a $100 credit applied to the primary borrower’s Prime Share within 30 days of loan funding. Loan must remain open with a balance for a minimum of 14 days to qualify.

3 All loans are subject to credit approval and are granted based on individual creditworthiness, ability to repay and credit score. Borrowers will receive a rebate of 0.25% of the loan amount financed on the following qualifying loan types: New Mortgage Purchase and First Mortgage Refinance. The minimum loan amount to qualify for this offer is $50,000. The maximum rebate amount is $1,000 per member. Rebate will be credited at loan closing. Offer cannot be combined with any other discounts. Per IRS regulations, rebates of $600 or more may be reportable as miscellaneous income on form 1099-MISC.

4 Must be member's primary residence located in Florida and owner-occupied. No portion of the home can be under construction. Eligibility for the lowest rate and loan approval is based on creditworthiness, ability to repay, credit score and repayment period.

5 As of 4/28/2023, Annual Percentage Rate (APR) ranges from 14.50% to 18.00%. The APR will vary with the market based on the Prime Rate. Eligibility for the lowest rate and loan approval is based on creditworthiness, the ability to repay, and your credit score.