Manatee, Charlotte and Monroe county residents can now join the credit union
MIRAMAR, Fla. – (Dec. 15, 2025) – Tropical Financial Credit Union (TFCU), a leading not-for-profit financial institution serving Southeast and Southwest Florida, announced today it has expanded its field of membership to include Manatee, Charlotte and Monroe counties. Anyone who lives or works in these areas, works for a partner company or has an immediate family member who is an account holder is eligible to join for free by visiting www.TropicalFCU.com.
This latest expansion—made possible through advancements in digital banking and enhanced virtual service —extends the credit union’s reach across 12 Florida counties. That means just about anyone who lives south of Fort Myers can now become a member.
“We continue to see growing demand from Floridians looking for a trusted, community-focused financial partner,” said Rick Shaw, CEO and President of Tropical Financial Credit Union. “Advancements in our digital platforms now allow us to deliver a full-service banking experience regardless of where members live. This expansion ensures people along Florida’s Gulf Coast and throughout the Keys have a strong alternative to traditional banks.”
Tropical Financial operates physical branches exclusively in Miami-Dade, Broward and Palm Beach counties. All other members have access to the credit union’s robust digital platform. TFCU’s recent technological enhancements make it easier to join, transact on mobile devices and receive personalized online service.
“Joining is simple and can be done entirely online,” Shaw said. “New members can open accounts, apply for loans, and manage their finances through our highly rated mobile app or desktop platform. They’ll enjoy the same level of personal service and convenience as members who live near one of our branches.”
Tropical Financial offers a comprehensive suite of consumer and business banking solutions, including checking and savings accounts, new and used auto and boat loans, mortgages, and investment services. Members have access to over 5,000 nationwide branch locations and 30,000 surcharge-free ATMs, including those at all Publix stores.
Credit unions operate as member-owned, not-for-profit financial cooperatives. Earnings are returned to members through better rates, fewer and smaller fees, and community-focused financial services. Tropical Financial is solely focused on improving a member’s financial well-being and helping them achieve their financial goals.
About Tropical Financial Credit Union
Based in Miramar, Florida, Tropical Financial Credit Union is a not-for-profit financial institution whose deposits are federally insured. Anyone who lives or works in Miami-Dade, Broward, Palm Beach, Martin, St. Lucie, Lee, Collier, Hendry, Sarasota, Manatee, Charlotte and Monroe Counties is eligible to join. Tropical Financial Credit Union was formed in 1935 by employees of the former Southern Bell with just a few hundred dollars and has grown into a trusted financial resource serving members across Southeast and Southwest Florida. For more information, visit www.tropicalfcu.com or follow @tropicalfcu on Facebook, LinkedIn, Instagram, TikTok and YouTube.