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Florida Savings Accounts

How can we help you feel good about saving more money?
Or you can call us at (888) 261-8328.

Saving money shouldn't feel frustrating

What type of savings account are you looking for? 

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Easy Access

Basic Savings Account are ideal if you need quick and easy access to manage your savings account. It can also be used for overdraft protection when tied to your Tropical Financial checking account.

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Individual Retirement Accounts are ideal when you want to save for retirement. There are three types of IRAs—Traditional, Roth, and Rollover—each with different tax saving advantages.
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Safe Investment

Certificates of Deposit are ideal if you are looking for a way to safely invest as little as $500 for a minimum of 6 months and want a guaranteed rate of return on your investment.

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Christmas gifts

Holiday Club Accounts are ideal if you want to stop worrying about having enough money to buy gifts for friends and family and are tired of using high-interest credit cards for holiday purchases. 


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Higher Interest

Money Market Accounts are ideal if you can maintain a minimum monthly account balance of $2,500 and you want to earn more interest than what a regular savings account offers.


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Health Savings

Health Savings Accounts are ideal if you have enrolled in a High Deductible Health Plan (HDHP) and want to pay for current health expenses while enjoying saving for future qualified medical expenses tax-free.

Vacation Savings

Vacation Club Accounts are ideal if you are looking for a convenient way to save for vacation. With direct deposit, you can have a set amount distributed to your account each pay period and be a jet-setter in no time.

Start saving for your future today

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We Help Others Feel Good About Saving Money

  • “I like Tropical Financial because they treat me like family and they have EXCELLENT rates.”

    Image headshot of member Eduardo
    - Member since 2010
  • “Tropical Financial has always been great, they’ve always look out for our best financial interest. I love Tropical and I couldn’t go anywhere else.”
    Image headshot of member Bryan
    - Member since 2011
  • “I love Tropical Financial – they help us make the best decisions possible for our family.”
    Image headshot of member Michelle
    - Member since 2014

Steps to apply for a Florida Savings Account


What you need

Whether you are looking to open up an account online, in person or over the phone, you will need a valid form of identification which includes a US passport or a State-issued Driver's License.  




If you will  be adding beneficiaries to your savings account, it is important that you know their date of birth and social security number


In order to become a member of Tropical Financial, you must live or work in one the following Florida counties: Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier,  Lee and Sarasota.  Or be an employee of one of our Partner Companies.


First Deposit 

There is a $5 minimum deposit required when opening up a savings account. You can make this payment with cash, a check, debit card or a credit card.

direct deposit

If you are planning to set up direct deposit to your new account, you will need to provide your payroll department or Social Security with TFCU's ABA Routing Number (267077847) and your TFCU account number.

TFCU membership required with $5.00 minimum in savings. 

You can feel good about saving money

Join thousands of others across South Florida who feel good about saving money with Tropical Financial.

Get answers to common Florida Saving Account Questions

What are the fees on your Savings Accounts?

Click here to see our Schedule of Fees.

How do HSA accounts work?

A Health Savings Account is a savings product for TFCU members that are enrolled in a High Deductible Health Plan (HDHP). HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You own and control the money in your HSA, whether you use it now or save it for the future.

Qualified medical expenses are services that are typically covered by a health care plan, such as office visits, emergency room services and hospitalization. Qualified medical expenses also include prescription drugs and many over-the-counter drugs, vision expenses including eyeglasses and contact lenses, medical plan deductibles and copays, as well as non-cosmetic dental expenses, which a health savings account would be useful. For complete list of allowable health expenses, please see IRS Publication 502 Medical and Dental Expenses available online under :Forms and Publications" at or by calling 1-800-829-3676. 

What are your current savings account rates?

Who is eligible for a Health Savings Account?

To be eligible for a Health Savings Account, an individual must be covered by HSA-qualified Florida High Deductible Health Plan (HDHP) and must not be covered by other health insurance that is not an HDHP.

Have a question but don't want to wait on hold?