Featured Savings Rates
Featured Accounts

Tropical Financial Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%5-year CD60 Month CD
0.35%1-year CD12 Month Jumbo CD
0.10%SavingsSavings

Overview / Commentary
305-261-8328
3050 Corporate Way
Miramar, FL 33025

Tropical Financial Credit Union is headquartered in Miramar and is the 22nd largest credit union in the state of Florida. It is also the 399th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 157 employees and 53,425 members at 9 locations. Tropical Financial Credit Union has an A health rating.

Field of Membership Restrictions

Open to anyone who lives or works in the Florida counties of Broward, Collier, Hendry, Lee, Martin, Miami-Dade, Palm Beach, Sarasota, or St. Lucie. Also open to anyone who lives or works in the following Zip Codes: 33455, 33458, 33469, 33477, or 33478. Employees of over 200 SEGs are also eligible for membership.
See current membership details

Related Posts

Tropical Financial CU (FL) Offers Limited-Time 13-Month CD - 4/26/2016

Tropical Financial CU (South FL) has a limited-time 13-month CD Special (1.75% APY). Minimum deposit is $15k of new money, with no balance cap. Also offered as an IRA.

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Great Customer Service

Posted by: Pancho | Dec 22, 2011

My bank representative called just to make sure everything was "ok".

FORCED FLOOD INSURANCE

Posted by: richz747 | Feb 2, 2011

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

AVOID This Credit Union!!

The ONLY way we ended up here is this is who approved our vehicle loan which we purchased approx. 15 months ago.  There was some confusion on my part as to the actual loan payment amount and I could not locate my loan documents that were put into storage.  I was paying $414 a month and on occasion I would pay $425 to $450 in order to pay it off sooner.  Approx 10 months into payments, I was notified we had no insurance and needed to provide them with proof of coverage, which we did.  5 different times!!!  We were finally told they received it, then the next month they charged our account over $4,000 for auto insurance!!!  We called them yet again and yet again provided them with proof of coverage!  They refunded the insurance as we had never lapsed, just had changed carriers.  The next month, in Oct. 2011, they reported us as 30 days late!!  We called yet again and were told that it was because of the added insurance and that we didn't send in the difference, but that we needed to dispute it and they would remove it.  We did dispute it with 2 credit bureaus and they did not remove it and reported it as accurate.  After many phone calls to Angel Gonzalez, who is worthless by the way.  He does not do what he says he will.  He does not follow up and take care of what he says he will.  We also spoke with a Mr. Humes in collections who seemed very confused as to what our payment was as well.  He kept referring us back to Mr. Gonzalez.  Approx 6 weeks ago Mr. Gonzalez told my husband he would get a copy of the sales contract to see the correct payment amount because we still thought the added insurance was calculated in there.  We never heard back from him.  Then we started receiving letters saying we were past due and to submit $0.00. ????  What???  I called to find out what that was about and they didn't know.  Just talked to Mr. Gonzalez again, 2 weeks ago.  He said he had the sales contract and the payment in fact was $426 a month, not $414 as I thought.  He said he would mail it out to me.  Here it is October 19th and never got a copy of it from Mr. Gonzalez at Tropical Financial Credit Union.  I just received yet another notification that TFCU has now for a second time charged us with being 30 days late!!  We haven't had even one late payment in 10 years and this credit union is single handedly ruining our credit.  We need to purchase another vehicle and have been fighting this for months, but only get erroneous information and no return calls!!  Mr. Gonzalez told me last week that he would speak with his boss who was on vacation about removing the 30 day lates due to all the confusion and lack of follow up on their end.  Guess what.  Its been a week and no one got back with us or removed the now 2 30 day late reportings!!

Better Businness Bureau :Tropical Financial Credit Union Not A Accredited Businness ***** RATED F ******

Posted by: richz747 | May 1, 2012

Prospective 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.

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Health
A

Health Grade Components

Overall
NCUA #68476
Year Chartered1935
Employees157
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.81%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$659.3MM$574.5MM
LoansQ2 2016vs Q2 2015$446.8MM$408.0MM
DepositsQ2 2016vs Q2 2015$593.5MM$514.4MM
Equity CapitalQ2 2016vs Q2 2015$53.0MM$47.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.8MM$2.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.7MM$2.6MM
Real Estate OwnedQ2 2016vs Q2 2015$403.00K$290.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tropical Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%--Health Savings Account
0.20%$25-Traditional IRA Savings
0.10%--Savings
0.10%--Holiday Club
0.10%--Business Savings

Tropical Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Money Market
OTHER TIERS: 0.05% $2,500 - $10k | 0.10% $10k - $50k
0.15%*$50k*-Business Money Market
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k

Tropical Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Interest Business Checking
OTHER TIERS: 0.05% $5k - $25k
0.05%$5k-Premium Checking

Tropical Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$100k-60 Month Jumbo CD
1.75%$500-60 Month CD
1.00%$500-48 Month CD
0.90%$500-48 Month Bump Up CD
0.75%$500-30 Month CD
0.75%$100k-30 Month Jumbo CD
0.75%$500-36 Month CD
0.55%$1k-18 Month CD
0.55%$500-24 Month CD
0.55%$100k-18 Month Jumbo CD
0.55%$100k-24 Month Jumbo CD
0.35%$500-12 Month CD
0.35%$100k-12 Month Jumbo CD
0.25%$500-6 Month CD
0.25%$100k-6 Month Jumbo CD

Tropical Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$500-60 Month IRA Certificate
1.00%$500-48 Month IRA Certificate
0.75%$500-30 Month IRA Certificate
0.75%$500-36 Month IRA Certificate
0.55%$500-18 Month IRA Certificate
0.55%$500-24 Month IRA Certificate
0.55%$25-24 Month IRA Variable Certificate
0.35%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
Locations


Tropical Financial Credit Union Locations
Branch Office3050 Corporate WayMiramar, FL 33025
Branch Office15740 Pines BlvdPembroke Pines, FL 33027
Branch Office6786 Okeechobee BlvdWest Palm Beach, FL 33411
Branch Office850 N Nob Hill RdPlantation, FL 33324
Branch Office20395 NW 2nd AveMiami, FL 33169
Branch Office8000 NW 7th StMiami, FL 33126
Branch Office1201 N University DrCoral Springs, FL 33071
Branch Office5900 N Federal HwyFort Lauderdale, FL 33308
Branch Office13520 SW 120th St Ste 105Miami, FL 33186-7454