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Checking

Type APY as high as
Priority 2.27%
Flagship   .50%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective March 01, 2017
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Savings

Type APY as high as
Savings    1.00%
IRA Savings    1.00%
Share Certificates 2.07%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective March 01, 2017
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Auto/Vehicle Loans

Type APR as low as
New Auto 1.49%
Used Auto 1.49%
RV 5.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective March 17, 2017
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Home Loans

Type APR as low as
15 Year Fixed 3.340%
30 Year Fixed 4.127%
5/1 ARM (30 Year) 3.391%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective March 10, 2017
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Visa® Credit Cards

Type APR
Platinum 7.50% - 12.74%
Rewards 9.00% - 14.74%
Secured 12.74%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 01, 2017
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P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

Julio Berrios

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Julio Berrios
Branch Manager - Blue Lagoon Branch - Miami, FL

Managing one of our branches is an incredibly challenging position if only for the multitude of tasks for which you're responsible on any given day. But put that branch in one of the busiest, international gateway cities in the world and you might have some idea of what Miami branch manager Julio Berrios faces each day.

In addition to managing the Blue Lagoon location, Julio also oversees the Fort Lauderdale branch as well as our newest location in American Airlines Cargo at Miami International Airport.

Julio is celebrating his 10th year with the Credit Union and after working for a couple of major financial institutions, he quickly converted to the Credit Union way of thinking.

"I never liked the way the banks I worked for saw their customers as a number," he says. "Here, we're more personal, we build a relationship. We do that because we genuinely do care about our members' well-being."

Working in hurricane-prone Miami has kept Julio and his team on their toes and when the season begins, he says they have their protocols ingrained. But especially when dealing with members who have been dealt a blow by weather-based disasters or something else entirely, Julio says that having compassion and caring for each and every member is crucial to his work.

"A sense of empathy certainly comes into play," he says. "And being able to help somebody with a loan and better their life gives me joy. That's why I love what I do."

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