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Florida Savings Accounts

How can we help you feel good about saving more money?

Open Your Savings Account

Saving Money Shouldn't Feel Frustrating


Easy Access

Basic Savings Account are ideal if you need quick and easy access to manage your savings account. 



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.


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 3 months and want a guaranteed rate of return on your investment.


Savings Club Account

Our Savings Club Account is designed to help you save over time and make your financial goals a reality. The beauty of this account is its simplicity where you can enjoy the convenience of automated deposits to watch your money grow making  a much-needed vacation, festive holiday gifts, or just a special treat for yourself,  possible.


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.


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.

You Can Feel Good About Saving Money

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

Open Your Savings Account

Steps to Apply for a Florida Savings Account

Follow these simple, easy steps to open your credit union checking or debit account.

Things You Need

Whether you are looking to open 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.  

Know Your Beneficiaries

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 $1 minimum deposit required when opening up a savings account to become a member that TFCU will deposit on your behalf.

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.

Disclosure : TFCU will deposit the $1 minimum requirement to open your account.  

Get Answers to Common Florida Saving Account Questions

    • 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 www.irs.gov or by calling 1-800-829-3676. 

    • 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.