Tropical Financial Credit Union Reviews, Rates and Information


Established in 1935, Tropical Financial Credit Union has grown to manage the time and money of more than 54,000 members in Miami and other areas of South Florida. Topical FCU's field of membership includes anyone that lives or works within Miami-Dade, Broward, or Palm Beach County and additional zipcodes in its operating territory or anyone who is an employee of one of Member-Companies (see website for details). Members enjoy the convenience of access to nine local branches as well as thousands of surcharge-free, network ATMs located across the nation.

Tropical Financial Credit Union offers a full array of personal and business financial products and services designed to fit your lifestyle and the unique demands of your business. The credit union offers low-balance checking accounts and a wealth of savings options including club accounts, CDs, money market funds and more. Manage your finances with ease using free online banking and bill pay services. Whatever your lending needs are, Tropical FCU has a loan or credit solution for you. In addition to deposit accounts and loans, businesses enjoy merchant services and select employer group benefits.

Tropical Financial Credit Union Rates

Tropical Financial Credit Union: National Interest Rates

All rates effective as of 04/28/2017

Rate (APY)

Account Type

Estimated Balance for 1 year


1 Year CD


2 Year CD


6 Month CD


Checking Account


Online Savings

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Today's Featured Rate

Tropical Financial Credit Union Bank Fees



National Average

Stop Payment Item


Non sufficient Fund Overdraft


Monthly Inactivity


Domestic Wire Transfer (Outbound)


Domestic Wire Transfer (Inbound)


News & Reviews

Customer Reviews

Tropical Financial Credit Union Has Very Low Mortgage Interest Rates!


Apr 18, 2014 by

I couldn't be happier with my mortgage loan from Tropical Financial Credit Union. They were super helpful and got me an extremely low interest rate, lower than any bank could offer me!