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Educational
Educational is a credit union: it a member-owned, not-for-profit cooperative insured by the NCUA; you must be eligible for membership to borrow. It has 1 licensed Florida office: Miami.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Miami |
| Counties | Miami-Dade |
| Website | edfed.org |
| Phone | (855) 233-3338 |
| Address shown on its site | 5890 NW 158 th Street Miami Lakes, FL 33014 |
Loan types Educational lists
Read from the firm’s own website on 2026-10-16. Lender-stated, not verified by LendResearch. Each links to the other Miami firms offering it.
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Jumbo loans
- Net lease financing
- Refinance
Credit union facts from the NCUA
| Total assets | $1,744,604,527 |
| Members | 114,909 |
| Residential mortgage loans outstanding | $516,726,961 |
| Residential mortgages granted this year | $59,698,392 |
| Florida branches | 9 |
| Year opened | 1935 |
| Headquarters | Miami, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 176. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 318 |
| Applications | 638 |
| Denial rate | 36% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 11% / 3% / 39% |
| Home improvement / other purpose | 28% / 19% |
| Investor and second home share | 1% |
| Dollar volume | $47,280,000 |
| Top counties | Miami-Dade (225), Broward (71), Palm Beach (4), Hillsborough (3), Charlotte (2) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by EDUCATIONAL FEDERAL CREDIT UNION. Counts are loans in Florida only.
Educational offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Miami | 7800 Sw 117th Ave 33183 | (305) 270-5200 | Principal office |
| Homestead | 16460 Sw 304th St 33033 | (305) 248-8006 | Branch |
| Miami | 1498 Ne 2nd Ave 33132 | (305) 379-0621 | Branch |
| Miami | 17500 S Dixie Hwy 33157 | (305) 964-4000 | Branch |
| Miami | 18975 Nw 2nd Ave 33169 | (305) 914-3939 | Branch |
| Miami | 2310 Sw 27th Ave 33145 | (305) 270-6640 | Branch |
| Miami | 7800 Sw 117th Ave 33183 | (305) 270-5200 | Branch |
| Miami Lakes | 5890 Nw 158th St 33014 | (305) 556-4311 | Branch |
| Miramar | 11295 Miramar Pkwy 33025 | (954) 628-1380 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Miami-Dade County at a glance
| Mortgage applications filed in 2025 | 82,858 |
| Loans originated | 34,236 |
| Denial rate | 23% |
| FHA share of originations | 14% |
| VA share | 2% |
| Investor and second home share | 21% |
| Dollar volume originated | $20,298,470,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.