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Get Beyond Money to secure your financial future with TFCU.
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Linked websites are not under the control of Tropical Financial Credit Union and we are not responsible for the contents of any linked site or any link contained within a linked site. The privacy or security policies at a linked site may be different from those practiced at tropical financial credit union and you should review the privacy policy of any linked site.

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Welcome to Tropical Financial's Partner Company Benefit Page

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Tropical Financial Monthly Webinar Series

Aug 14th @ 10am

Break Free from Student Loan Debt

Student loans don’t have to hold you back. At Tropical Financial, we’re here to help you take control of your financial journey—which is why we’re introducing our upcoming webinar, Break Free from Student Loan Debt, presented in partnership with KOFE.

From repayment strategies to forgiveness programs, this session will walk you through practical ways to reduce what you owe and avoid costly mistakes. Whether you’re just out of school or have been carrying debt for years, you’ll discover how to potentially save thousands and move forward with more confidence and less stress.

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Best for Those Who Want to Be Rewarded for Their Purchases

  • No Monthly Service Fee
  • No Minimum Balance Required
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  • Earn 2 Cents On Every Purchase

    Rewards are credited to your account the nest business day.

  • 1st Order of Checks Mobile and E-Services Are Free
Open An Account Today Open Your Account With Direct Deposit

Refinance with TFCU and We'll Give You Up to $150!1

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$150 In Your Pocket

Refinance with TFCU and we’ll give you up to $150 back!1

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Lower Your Monthly Payment

See how much you can save in less than 60 seconds!

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Fast Approval

Apply and receive an answer, usually within 24 hours!

APPLY NOW

Refinance Your Auto Loan and Save

Refinancing your auto loan can have many benefits, here are some of the top reasons many look to refinance their auto loan with TFCU:

  • Competitive rates
  • Term extension options
  • Payment frequency options (monthly, weekly, bi-weekly, semi-monthly)
  • Mobile App for easy application submission
  • Low-price auxiliary products
  • Closing at your leisure in the comfort of your home.
  • Getting pre-approved for a credit union auto loan refinancing puts you in the driver’s seat.

Need A Checklist to Get You Started?
Click to download
the TFCU Auto Refinance Guide

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Apply Now To Refinance Your Car Loan

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Stress Free Mortgage Loans

Whether you are ready to purchase your new home, or if you are trying to refinance your mortgage payments, or if you are interested in a HELOC, Tropical Financials' mortgage experts are here to help you - at no cost! You can get $500 towards the cost of a new appraisal.2

Speak With A Mortgage Officer

 

Road to home ownership guide

The Road to Home Ownership Guide

  • If you are considering homeownership, it’s never too early to start planning
  • The Road to Home Ownership Guide will help you:

    Calculate how much home you can afford

    Consider your credit score and how it impacts your application

    Create a monthly budget to help with saving (worksheet included)

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  • On top of a closing cost discount, our program includes waived intangible tax, down payments as low as 3%, special member pricing on PMI, and more
Download Today
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Home Equity and Lines of Credit Guide

  • For those looking to tap into their home’s equity for large purchases, home renovations, and debt consolidation TFCU offers no closing costs up to $250,000 and low rate options
  • The TFCU Home Equity Guide will help you determine:

    What is a home equity loan

    How does it all work

    What's required for these type of loans

    Do you need a home equity loan or a line of credit

Download Today
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Mortgage Items Checklist

  • For those looking to refinance your credit union mortgage, you’ll need a lot of the same documents used when you first applied
  • The Home Loan Checklist highlights the pros of using a credit union for your Jumbo Loan and what documentation you need to help streamline the process

    Important information related to Jumbo Home Loans

    Top 3 reasons to stay local and choose a credit union for your next loan

    Printable PDF checklist to have with you at all times

Download Today

Certificates of Deposits3

Want to grow your money passively? We can help with our incredible CD rates.

  • Competitive rates 
  • Open online 
  • .10% rate bump

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Tropical Financial offers free financial benefits for you and your employees — with no extra work!

As part of TFCU'S Partner Company Program your employees will receive: 

  • Special offers and discounts
  • Webinars on financial topics
  • Financial education programs
  • Personalized service
  • Tools and resources to help your employees Get Beyond Money

Our Partner Company Team

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We want to help take your employee benefits to the next level.
Ready to learn more? Complete this form and we will reach out to you.

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*TFCU membership required. We will deposit the $1 minimum requirement to open your account. Employees must reside or work in Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee and Sarasota counties. Offers are subject to change without prior notice.

1 Credit and collateral subject to approval.  Existing Tropical Financial Credit Union loans are not eligible for this offer.  Loan balance of at least $10,000 required for $150 cash incentive. Cash bonus will be deposited to your TFCU savings account. Refinance offer limited to one per vehicle. Offer cannot be combined with any other offers. Other restrictions may apply.  Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive. TFCU will deposit the $1 minimum requirement to open your account.

2 Appraisal cost credit up to $500 towards the cost of a new appraisal will be reflected as a Lender Credit at time of closing and is good for mortgage applications submitted through 12/31/2025 and must close by 03/31/2026. Certain restrictions apply.  Member must have a checking account with direct deposit of at least $500/month to receive credit at closing.  Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Cannot be combined with any other offers.

3 Annual Percentage Yield (APY) Penalties will apply for early withdrawal. 0.10% APY bump on all regular CDs applies to deposits of at least $500, in which all the funds are new money. Cannot be combined with other promotional offers. Rates subject to change without notice. All IRAs are for individuals only and not available to businesses or to be opened under a business account. The minimum average daily balance to earn APY (Annual Percentage Yield) is $500. The APY is based on the assumption that interest will remain in the CD Account until maturity. Fees may reduce the earnings on the CD Account.