About Tropical Financial Credit Union


Welcome to Tropical Financial Credit Union of South Florida. Tropical Financial is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1935, Tropical Financial has grown to manage the time and money of more than 54,000 members!

We're dedicated to providing our members with the very best in financial services at extremely competitive rates and terms. We offer a full range of financial services designed to ensure sound financial planning, convenience and security to our credit union's members. Many of our members prefer to do business with our credit union rather than banks because of the personalized attention we give each of our members. Each and every member receives exceptional value from our financial services.

In this economy, you need every advantage to grow your financial portfolio. You'll get more for your money at Tropical Financial Credit Union.

Our Mission

Tropical Financial Credit Union is a not-for-profit financial cooperative that provides its members with valuable products, services and education to help each individual achieve his or her financial goals. Our unique, not-for-profit structure allows us to offer our members in Miami and other areas of South Florida lower mortgage and loan rates, higher saving rates, fewer fees and more personalized service than for-profit banking institutions.

Our Structure

Unlike banks, credit Unions are member owned financial cooperatives; so when you join Tropical Financial, your initial deposit to open a share account establishes your membership and makes you a part-owner. Since there are no outside bank stockholders to satisfy, our credit union passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking. And Tropical Financial is here for you with branches in  Miami-Dade and Broward and Palm Beach Counties as well as online. 

Our Vision

We will transform Tropical Financial Credit Union into an agile, efficient, member-focused team recognized for organizational excellence.

Our Purpose

Our credit union's purpose is to guide members successfully through the financial marketplace by creating a sustainable competitive advantage through our award winning excellent service and trusted advice throughout Miami-Dade, Broward, Palm Beach and Sarasota counties. .

Our Core Values

  • Member Satisfaction: Focus on members' needs
  • Employee Satisfaction: Value each other
  • Financial Performance: Enhance financial strength
  • Continuous Improvement: Seek organizational excellence