Average User Rating:2 star rating based on 5 reviews.
Tropical Financial Credit Union
Tropical Financial Credit Union Locations| 3050 Corporate Way Miramar, FL 33025 305-261-8328 www.tropicalfcu.org  |
 |
Tropical Financial Credit Union is headquartered in MIRAMAR and is the 19st largest credit union in the state of Florida. It is also the 352nd largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 188 employees and 54,149 members. Tropical Financial Credit Union has a 3-star health rating.
Related Posts
4.50% 11-Month / 4.75% 24-Month CD at a Florida CU (Tropical Financial) - 9/2/2008
Tropical Financial Credit Union has some special CD rates.. The best rates require a minimum deposit of $50,000 and include:4.25% APY 7 months4.50% APY 11 months4.65% APY 18 months4.75% APY 24 months5.30% APY 60 monthsWith a $500 minimum deposit, the...
4.25% 6-Month CD at a Florida CU (Tropical Financial). - 3/16/2008
Update 3/29/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Tropical Financial Credit Union is offering a special 6-month CD with a yield as high as 4.25% APY for a minimum deposit of $50,000. The yield is 4.00%...
5.90% 6-Month / 5.90% 12-Month CD at a Florida CU (Tropical Financial) - and 5.07% Savings Account - 7/23/2007
Update: The CD rates have fallen. Please check the credit union's website for the latest rates.Tropical Financial Credit Union is offering high rates on its 6 and 12 month certificates. The yield is 5.90% APY for a $100K minimum deposit, 5.65% APY for a...
See Rates for: Savings | Money Market | CD | IRA
Tropical Financial Credit Union Savings Account Rates
| Apy | Min | Max | Product | |
| 0.20% | $25 | - | Roth IRA Savings Account | |
| 0.20% | $25 | - | Roth Conduit IRA Savings Account | |
| 0.20% | $25 | - | Traditional IRA Savings Account | |
| 0.10% | - | - | Transaction Savings Account | |
| 0.10% | $2,500 | - | High Yield Savings Account | |
| 0.10% | $10k | - | Business High Yield Savings Account | |
| 0.10% | - | - | Holiday Club Account | |
| 0.10% | - | - | Business Savings Account |
Tropical Financial Credit Union Money Market Rates
Tropical Financial Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.90% | $500 | - | 60 Month CD | |
| 1.90% | $100k | - | 60 Month Jumbo CD | |
| 1.25% | $500 | - | 48 Month Bump Up CD | |
| 0.90% | $500 | - | 30 Month CD | |
| 0.90% | $100k | - | 30 Month Jumbo CD | |
| 0.53% | $500 | - | 24 Month CD | |
| 0.53% | $100k | - | 24 Month Jumbo CD | |
| 0.40% | $500 | - | 12 Month CD | |
| 0.40% | $500 | - | 18 Month CD | |
| 0.40% | $100k | - | 12 Month Jumbo CD | |
| 0.40% | $100k | - | 18 Month Jumbo CD | |
| 0.30% | $500 | - | 6 Month CD | |
| 0.30% | $100k | - | 6 Month Jumbo CD |
Tropical Financial Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.90% | $500 | - | 60 Month Roth IRA | |
| 1.90% | $500 | - | 60 Month Traditional IRA | |
| 1.90% | $500 | - | 60 Month Roth Conduit IRA | |
| 1.90% | $500 | - | 60 Month Traditional Conduit IRA | |
| 0.90% | $500 | - | 30 Month Roth IRA | |
| 0.90% | $500 | - | 30 Month Traditional IRA | |
| 0.90% | $500 | - | 30 Month Roth Conduit IRA | |
| 0.90% | $500 | - | 30 Month Traditional Conduit IRA | |
| 0.53% | $500 | - | 24 Month Roth IRA | |
| 0.53% | $500 | - | 24 Month Traditional IRA | |
| 0.53% | $500 | - | 24 Month Roth Conduit IRA | |
| 0.53% | $500 | - | 24 Month Traditional Conduit IRA | |
| 0.53% | $25 | - | 24 Month Roth Variable IRA | |
| 0.53% | $25 | - | 24 Month Traditional Variable IRA | |
| 0.40% | $500 | - | 12 Month Roth IRA | |
| 0.40% | $500 | - | 18 Month Roth IRA | |
| 0.40% | $500 | - | 12 Month Traditional IRA | |
| 0.40% | $500 | - | 18 Month Traditional IRA | |
| 0.40% | $500 | - | 12 Month Roth Conduit IRA | |
| 0.40% | $500 | - | 18 Month Roth Conduit IRA | |
| 0.40% | $500 | - | 12 Month Traditional Conduit IRA | |
| 0.40% | $500 | - | 18 Month Traditional Conduit IRA | |
| 0.30% | $500 | - | 6 Month Roth IRA | |
| 0.30% | $500 | - | 6 Month Traditional IRA | |
| 0.30% | $500 | - | 6 Month Roth Conduit IRA | |
| 0.30% | $500 | - | 6 Month Traditional Conduit IRA |
Rates updated: 5/27/2012
Data for Q4 2011
Institution Statistics
|
Institution Health
Overall Score:
3 out of 5 
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
High rates
- jboho - Tuesday, November 1, 2011 - 12:55 PMUPDATE: A representative from TCFU contacted me to say that they were in error for charging my account. He apologized and even called me. I don't know what this means for others who might get hit by this chage, but I thought it only fair to note that they did taker this step with me even though I had already terminated my account.
#########
I had a Tropical Financial Credit Union account for many years and always held a balance well over $1,000. Recently I had to close the account because I moved out of state. Prior to closing, I moved the bulk of my funds out into my new bank before closing. But because I was under their $1,000 limit before I could get the account closed, they charged me a $6 "maintanence" fee. This was after a representative assured me I would not be charged fees of any kind on closing.
This was not neccessarily a big deal for me, although after being a good customer for a number of years, you'd think they might look the other way. But for anyone who has $1,000 or less to their name, it seems excessive to charge someone for not having enough money in their bank. One of the reasons people do business with credit unions instead of banks is to avoid the assortment of fees those banks use against their customers. How disappointing that TCFU chooses to do the same.
4
One Day Car Loan Approval Took Over A Week !!
- TourDeForce - Tuesday, January 17, 2012 - 12:06 PMSubmitted an on-line application over the weekend and got a confirmation e-mail indicating I would be contacted in one business day. Five days later my pre-arranged deal opportunities for cars I was considering had slipped away. Contacted TFCU for the status of my application and was told it had not begun the approval process and I would be contacted later that same day. Guess what?? No contact. No issues with my application, they simply dropped the ball - TWICE, and it cost ME.
3
Better Businness Bureau :Tropical Financial Credit Union Not A Accredited Businness ***** RATED F ******
- richz747 - Tuesday, May 1, 2012 - 3:27 PMProspective customers and current customers of Tropical Financial Credit Union,having more problems with Tropical to be posted shortly,went to file a complaint with the Better Businness Bureau,guess what they already are rated F ,they are not a accredited businness,think about joining another Credit Union.
2
Great Customer Service
- Pancho - Thursday, December 22, 2011 - 8:37 AMMy bank representative called just to make sure everything was "ok".
2
Featured Accounts
Nationwide Savings Accounts
FORCED FLOOD INSURANCE
I was going over my statements on line of my various accounts and came across a withdrawl of 1,418.09 from Allied Flood Premium,I immediately contacted my local Tropical branch and asked what this was she did some checking with Lillian Musso at the main office insurance Dept. What I was told was that I needed flood insurance because I have a HELOC with Tropical,now I have had this out since 2003 and renewed it in 2007 and only once did I get flood insurance because they threatened to take it out on me si took it out on my own had a survey done and sent them the survey showing I was almost 2 feet above the flood plain,never heard from them again until they decided to get me a policy for 1,418 dollars. I immediately went to my State Farm agent and took out the same policy for 224.00 and am now applying for a LOMA letter from Fema. they would not refund my money then after many phone calls they gave me a partial refund but wont refund 442.00 there are 2 issues here one with the Flood insurance that I am resolving with FEMA but the other is they keep telling me there ins. company sent 2 letters to me ,that is a total lie I never recvd otherwise I would have gotten my own insurance and fought it,I cant get anybody from Tropical to tell me why I wasnt notified by phone or by e-mail I accepted Tropicals request to go paperless and this is what they pulled. The person who is refusing a refund is Pete Valerioti he is the Vp. consumer lending, so much for being a customer for 32 years.,but not much longer!.If anyone reading this and thinks I have a legal lawsuit or who to complain to in the Govt. please contact me or give me some advise.richz747@bellsouth.net