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Who We Are

We have been proudly serving our members since 1935. Our mission goes beyond just assisting with financial needs – it's about creating an environment where community feels like home. At our not-for-profit institution, we're dedicated to understanding and meeting the unique needs of every member. Our commitment is to ensure that banking isn't just a transaction, but an experience that leaves you feeling positive and supported.

We believe in providing our members with the finest products and services, tailored to help them unlock their full financial potential. Our purpose is to guide and educate, empowering members to Get Beyond Money and turn their financial dreams into reality. 


Empowered To Be

At Tropical Financial, we believe in the power of embracing individuality and authenticity. Our commitment is to cultivate a welcoming environment where everyone, including our valued employees and members like you, feels respected, valued, safe, and fully included. 

As a financial institution owned by our vibrant community, we draw inspiration from members like you, shaping our mission to create a community that truly feels like home. Join our community where you not only manage your finances but also find a true sense of belonging.

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:

About Us - 85 Years

Build upon 85+ years of financial expertise with a mission to make South Florida a better place for your friends and family.

About Us - Members

Earn the trust and respect of more than 68,000+ of your friends and family who we continue to help feel good about banking.

About Us- Money Saved

Offer free financial guidance to South Florida communities, schools, and businesses while saving people like you over $4.5 million last year.

Partnerships - Being Part Of The Community

Official Partner of the FL Panthers

Get ready to experience the thrill of exclusive benefits with Tropical Financial Credit Union, your premier partner for excitement and perks. Join us as we stand proudly alongside the Florida Panthers, showcasing the Tropical Financial brand across Panthers' digital platforms.

As part of this electrifying partnership, Tropical Financial takes center stage as the official credit union of the hockey organization, offering fans and members different ways of unlocking their true financial potential and helping them Get Beyond Money.

In addition to helping members with a variety of financial products like mortgages, car loans, and business loans, Tropical Financial aims to create a community that feels like home - regardless if they are a Panther fan or not.

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."

TFCU Year End 2022 Report Banner

Making An Impact On Our Community One Donation At A Time

  • 2023 Day of Giving
    2023 Day of Giving 
  • 2024 Autism Speaks Walks
    2024 Autism Speaks Walks
  • 2024 Florida Panthers Hockey Game
    2024 Florida Panthers Hockey Game
  • TFCU Walk For the Animals Team 2024
    2024 Walk for Animals
  • 2024 Red Cross Sound The Alarm
    2024 Sound The Alarm - Red Cross Event
  • 2024 Emma's Foundation Celebration
    2024 Emma's Foundation Celebration

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.

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