Tropical Financial


3050 Corporate Way
Miramar, FL 33025
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.45% 0.80% →
2-Year CD 0.40% 0.80% →
5-Year CD 0.60% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Tropical Financial is an NCUA insured institution located in Miramar, FL. It was founded in 1935 and has approximately $927.31 millions in assets.

Who can join?

You are eligible to become a Tropical Financial Credit Union member (proof of eligibility is required) if you live or work in Broward County, Miami-Dade, Palm Beach Counties or in the following zip codes: 33455 – Hobe Sound, 3348 – Jupiter, 33469 – Tequesta, 33477 – Jupiter/Tequesta (East), 33478 – Jupiter/Tequesta (West).

Employment Eligibility
If you are an employee of one of our Member-Companies, you are also eligible for membership.

NCUA Insured Yes / State-Chartered
Charter Number # # 68476
Date Established 1935
Assets $927.31 million
Loans $640.40 million
Deposits $837.07 million
Capital $78.24 million

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.

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.45% $10,000 $14,999 Learn More
30 Mo CD
0.45% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.60% $10,000 $14,999 Learn More
60 Mo CD
0.60% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for TROPICAL FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 1907
2.808% 2.750% -0.25 $1,875 $1,021 Learn More
NMLS ID: 2890
License#: 13256
2.684% 2.625% 0.75 $1,932 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Tropical Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Tropical Financial Locations

Financial Details

Tropical Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tropical Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Tropical Financial U.S. Average
3.48% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Tropical Financial had $2,677,450 in non-current loans and $184,545 in owned assets. To cover these potential losses it had $78,238,335 in net worth and $4,014,210 in loans loss reserves. That gives it a Texas Ratio of 3.48%.

Net Worth
Tropical Financial U.S. Average
8.43% 12.20%

Tropical Financial FCU has a net worth of 8.43% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Tropical Financial

Branches and Savings

What is Tropical Financial?

A credit union, registered with the NCUA under certificate #68476.
Learn more about credit unions here.

Is Tropical Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Tropical Financial is insured by the NCUA.

Who can join Tropical Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Tropical Financial's share account and share certificate rates?

Tropical Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Tropical Financial?

Tropical Financial has total capital of $78.24 million. Full information on Tropical Financial's financial position is located above.

Who owns Tropical Financial?

Credit Unions are owned by their members.

Where are Tropical Financial branches located?

See branch locations nearby.

Are Tropical Financial ATMs Open 24/7?

Do Tropical Financial ATMs accept cash deposits?

Can Tropical Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Tropical Financial have a mobile app?

Does Tropical Financial have mobile deposit?

Does Tropical Financial have quick pay?

How can Tropical Financial transfer money to other banks or credit unions?

Does Tropical Financial report to credit bureaus?

Does Tropical Financial use Chexsystems?

Does Tropical Financial use Equifax?

What is Tropical Financial's toll free phone number?

What is Tropical Financial's ACH Routing Number?

What is Tropical Financial's SWIFT code?

Where can I find Tropical Financial's wire transfer form?

What is the Tropical Financial address for deposits?

What Products Does Tropical Financial Offer

Does Tropical Financial offer mortgages?

Compare mortgage rates here.

Does Tropical Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tropical Financial offer auto and RV loans?

Compare auto loan rates here.

Does Tropical Financial offer student loans or personal loans?

Compare personal loan rates here.

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