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Credit Union Benefit

EdFed Welcomes You to M-DCPS!

Enjoy up to $1,100 in special offers available to you as a new employee.

As the Credit Union for Miami-Dade County Public Schools, EdFed offers you and your immediate family members exclusive benefits not open to the general public. With seven convenient branches across Miami-Dade County and a vast network of surcharge-free ATMs, EdFed provides you with a wide range of product solutions to help you achieve your financial goals.

The Credit Union provides the following exclusive benefits:

  • M-DCPS payroll integration provides expedited courtesy posting one day before the scheduled pay date
  • M-DCPS new employee loan of $1,000 at 0% APR1
  • Checking and savings accounts with no monthly service fee
  • The first box of custom EdFed checks is free to new members
  • Surcharge-free ATM withdrawals at all Publix locations
  • Car and truck loans with free auto buying service
  • EdFed Rewards VISA Credit Card with no annual fee
  • Mortgages and home equity loans
  • Budget planning and credit counseling services
  • Free notary service at EdFed branches
  • Member-only discounts at local attractions and retailers

Contact EdFed's M-DCPS new member welcome team and ask about the special offers available to you, including

  • $1,000 cash back2 when you finance or refinance a new mortgage loan with EdFed
  • $100 cash back3 when you finance or refinance a new auto loan with EdFed

Call 786-775-5464, or to find a local branch, visit

All loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and credit score.

1 APR = Annual Percentage Rate. To qualify for the $1,000 New School Employee interest-free loan, you must be a full-time new school employee or new to your position with 12 months of application. The New School Employee loan will only be granted one time per applicant.

2 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.

3 Offer good on all new EdFed auto loans funded on or after 3/22/22. 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 for 14 days to qualify. Federally insured by NCUA.