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Move forward with confidence—TFCU is here to support your financial goals.
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Your South Florida Credit Union. Owned by Members.

Tropical Financial Credit Union (TFCU) is a member-owned, not-for-profit credit union serving South Florida since 1935. We help individuals, families, and businesses manage their money, plan for the future, and feel good about banking.

Whatever your next step looks like, you have a credit union ready to take it with you.

Become a Member

The Credit Union Difference

Our story began in 1935, when a group of Southern Bell employees in Miami came together to help one another save and borrow. That spirit of people helping people continues to guide how we serve our members today.

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Member-Owned Not-for-Profit Local & Accessible Federally Insured

When you join Tropical Financial, you become an owner of the credit union. Your membership gives you a voice in its future. 

 We put our earnings back to work for our members through financial products, services, and benefits that support their goals.
 Get personal support from our South Florida team and convenient access to your accounts through online and mobile banking. Your deposits at Tropical Financial are federally insured by the National Credit Union Administration (NCUA), up to the maximum amount allowed by law.
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Financial Support for Wherever Life Takes You

Your goals can change over time. Your credit union should be ready to grow with you.

Tropical Financial offers checking and savings accounts, money market accounts, certificates, auto loans, mortgages, home equity financing, and business banking. Whether you’re managing everyday expenses or preparing for a major milestone, we’re here to help you explore your options.

Our mission is to provide the financial products, services, and education that help you make informed decisions and work toward your goals.

A Community Where You Belong

Every member brings a different background, perspective, and set of goals. At Tropical Financial, we’re committed to creating an environment where members and employees feel respected, valued, and included.

That commitment shapes how we welcome people, listen to their needs, and serve our communities.

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Who Can Join Tropical Financial Credit Union?

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You can become a member of Tropical Financial Credit Union if you live or work in any of these Florida counties:
Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee, Monroe, Charlotte, Manatee, or Sarasota.

Employees of participating Partner Companies can also join.
Not sure if you qualify? Contact our team. We’ll help you review your eligibility and get started.

Become a Member    Find a Branch Near You

TFCU Corporate Run 2023 (600x300)

Empowered To Be

TFCU empowers employees and members to be their whole, authentic selves. We are committed to co-creating an environment where everyone feels respected, valued, safe and included. As a credit union leader since 1935, we advocate for and celebrate the communities we serve. We will continue to elevate every voice to foster the best experience for all. 

Our Mission Is to Provide Members With Valuable Products, Services, and Education to Help Achieve Their Goals

Here's a look at how we help our members' financial journey
How We Are

Helping Others Feel Good About Banking

Tropical Credit union has been very super supportive with me, helping me receive a car loan. I would recommend this credit Union to anybody. They have great customer service!

Jeremiah
Miami Gardens, FL

Kimberly. is a amazing Assistant manager. She helped me and my children to obtain 2 cars loans, and not only that, she continued help us to do business with Tropical financial credit union up to today. Thank you Kim.

Leonardo
West Palm Beach, FL

I am extremely satisfied with the service provided at this Kendall branch. I’m very thankful for Margarita and Eugene’s help and guidance. They guided me through every step of the auto loan process and even provided an auto loan advisor Adrian who helped me find the car I was looking for. My car was delivered to my door in a matter of days. They went above and beyond. I recommend this team of professionals 100%.

Rodriguez
Kendall, FL

Supporting the Communities We Call Home

Our commitment to members extends into the places where they live and work. Through community partnerships and the involvement of our employees and members, we support efforts that bring people together and help our neighbors.

TFCU x Panthers About Us

Tropical Financial is proud to be the Official Credit Union of the Florida Panthers. Our partnership connects us with fans, members, and neighbors who share a passion for South Florida and the communities that make it special.

For more than a decade, Tropical Financial has supported the South Florida Red Cross. Contributions from our credit union, employees, and members help communities prepare for and recover from disasters, supporting access to shelter, meals, and other essential resources when families need them most.

TFCU x Red Cross About Us
Red Cross Partnership

Tropical Financial is proud to work with the South Florida Red Cross Chapter for over a decade helping communities all around the world.

With our employees and members, Tropical Financial pledges financial and in-kind donations in advance of disasters, powering the Red Cross with strong infrastructure, trained volunteers, and critical resources necessary to provide relief and support to those in crisis. These donations enable the Red Cross to respond to disasters at a moment’s notice — offering a safe place to sleep, a hot meal, emotional support and resources to aid in recovery — while also helping prepare people and communities for disasters yet to come.

"We are proud to be part of an organization that has a direct impact on the safety and well-being of our community," said Rick Shaw, president/CEO of Tropical Financial. "These resources are so important for families in our area, and we are grateful to work with the South Florida Red Cross in this mission."

Donate Today!

Report

Take A Look Back With Us

We generally provide financial benefits to members through lower loan rates, higher savings rates, and fewer fees than banking institutions. Take a look at how much money we saved our members.

Read our 2022 Report
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Tropical Financial Is Not A Bank. We Are A Credit Union.

We take pride in crafting a personalized banking experience that goes beyond the ordinary. Enjoy Best-in-Class rates on home mortgages, auto loans, and a range of tailored products designed to meet your unique needs. Our goal is to equip you and our community members with top-notch financial tools that extend beyond traditional banking. That's the credit union way - That's the Tropical Financial way.

To become a member is easy, you must live or work in one of the following Florida counties: Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier,  Lee, and Sarasota. You also can join if you are an employee of one of our Partner Companies!

Join us on a journey to 'Get Beyond Money' as we work together to secure your financial future. At our institution, we're not just about transactions – we're building a place where community feels like home, and your financial well-being is at the heart of our mission.

Who We Are

Tropical Financial Credit Union is a not-for-profit, member-owned financial cooperative that has served South Florida since 1935. We help people and businesses with everyday banking, borrowing, and financial guidance, while investing back into the communities we serve. 

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2025 Sun Sentinel Top Work Place

Your Goals. Your Community. Your Credit Union.

Become part of a credit union that puts your financial well-being at the heart of its purpose. From everyday banking to your next big milestone, we’re here to help you move forward.

Become a Member    Find a Branch Near You