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Tropical Financial Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month CD
0.35%1-year CD12 Month Jumbo CD

Overview / Commentary
3050 Corporate Way
Miramar, FL 33025

Tropical Financial Credit Union is headquartered in Miramar and is the 23rd largest credit union in the state of Florida. It is also the 421st largest credit union in the nation. It was established in 1935 and as of June of 2017, it had grown to 163 employees and 54,313 members at 9 locations. Tropical Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Tropical Financial Credit Union is open to the following: (1) those who live or work in Broward, Collier, Hendry, Lee, Martin, Miami-Dade, Palm Beach, Sarasota, and St. Lucie Counties in Florida; (2) those who live or work in zip codes 33455, 33458, 33469, 33477, and 33478; (3) employees of Cape Surgery Center, the City of Miami, and over 100 area Select Employer Groups.
See current membership details

Related Posts

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Great Customer Service

Posted by: Pancho | Dec 22, 2011

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

Phone Experience And Contact Experience

Posted by: Patsy | Feb 27, 2017

I am writing about the recent mobile banking change.
I can't figure the improvement. First of all, if I want transaction activity on my checking account, I have to first listen to my balance. Secondly, it does not tell what kind of withdrawal was made. I liked knowing whether the withdrawal was an electronic purchase or check as it made it easier for me to trace the withdrawal. The previous mobile banking did not allow me to check transactions based on date. I always had to start at today's date and work backwards. I am not sure whether the new system addresses this issue.
My last point is not about phone banking but the fact that Tropical Financial does not allow contact by email. Why? The issue about telephone banking is one I would prefer to address in an email to technical service than in a review. Most banks allow contact by email. I don't like calling the number and getting the busy signal and having to call back.

High rates

Posted by: jboho | Nov 1, 2011

UPDATE: 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.


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



Health Grade Components

NCUA #68476
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.34%
Annual Interest Income$10.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$657.7MM$659.3MM
LoansQ2 2017vs Q2 2016$483.9MM$446.8MM
DepositsQ2 2017vs Q2 2016$589.5MM$593.5MM
Equity CapitalQ2 2017vs Q2 2016$54.8MM$53.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$2.1MM$1.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.4MM$1.7MM
Real Estate OwnedQ2 2017vs Q2 2016$24.00K$403.00K
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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

2.00%--Health Savings Account
0.20%$25-Traditional IRA Savings
0.20%$25-Roth IRA Savings Account
0.10%--Holiday Club
0.10%--Business Savings

Tropical Financial Credit Union Money Market Rates

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

0.10%*$25k*-Interest Business Checking
OTHER TIERS: 0.05% $5k - $25k
0.05%$2,500-Premium Checking

Tropical Financial Credit Union CD Rates

2.00%$100k-60 Month Jumbo CD
1.75%$500-60 Month CD
1.00%$500-48 Month CD
1.00%$500-13 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%$500-18 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

1.75%$500-60 Month IRA Certificate
1.00%$500-48 Month IRA Certificate
1.00%$500-13 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

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 Office8857 SW 107th AVE Ste 260Miami, FL 33176-1411