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Ways to Manage My Loan

We offer several convenient ways to make your Tropical Financial loan payment. Choose the option that works best for you.

Important: Payment methods have different processing times. If your payment is due soon, choose a payment method that allows enough time for your payment to be posted to your loan by the due date.

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Online Banking
(Recommended)

Manage your loan payments anytime through Online Banking or the Mobile App.

With Online Banking, you can:

    • Make one-time payments from your Tropical Financial checking or savings account.
    • Schedule future payments.
    • Link checking or savings accounts from other financial institutions.
    • Set up one-time or recurring payments from your external accounts.

Fees: No fees.

Login to Online Banking

Loan Payment Posting Times

Payments from your Tropical Financial checking or savings account

  • Payments submitted by 8:00 PM ET are posted to your loan on the same day.
  • Payments submitted after 8:00 PM ET are posted the following day.

Payments from an external financial institution

  • Payments post on the business day after processing begins
  • Payments submitted by 3:00 PM ET (Mon–Fri), will post the next business day
  • Payments submitted after 3:00 PM ET, or on weekends/holidays, will be delayed by an additional business day

Loan Pay
NEW

Powered by SWIVEL™

Use Loan Pay from our website or from within Online Banking to:

  • Make one-time payments from an external checking or savings account.
  • Set up recurring payments from an external checking or savings account.
  • Make one-time payments with a Mastercard, Visa, or Discover debit card.

Convenience Fees:

  • One-time external bank account payment:
    $2.95
  • One-time debit card payment:
    $8.95
  • Recurring external bank account payments:
    No fee

Loan Pay

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Loan Payment Posting Times

  • Payments post on the business day after processing begins
  • Payments submitted by 9:00 PM ET (Mon–Fri), will post the next business day
  • Payments submitted after 9:00 PM ET, or on weekends/holidays, will be delayed by an additional business day
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By Phone or at a Branch

You can make a payment by contacting our Member Engagement Team or visiting one of our Branch Locations.

Payment options include:

  • Transfer from a Tropical Financial checking or savings account
  • Make a payment from an external checking or savings account
  • Pay with your Mastercard, Visa, or Discover debit card
  • At the Branch, pay with cash or check

Convenience Fees:

  • Tropical Financial account:
    No fee
  • External bank account:
    $2.95
  • Debit card payment:
    $8.95

*Recurring payments cannot be established by phone or at a branch. To set up recurring payments, use Online Banking or Loan Pay.

Branch Locations
or call (888) 261-8328

Loan Payment Posting Times

  • Payments are accepted during the Call Center business hours, Monday through Friday, 8:00 AM to 6:00 PM ET.
  • Branch payments are accepted during each branch's regular business hours. Branch hours vary by location, so please check your preferred branch's hours before visiting.
  • Payments made from a Tropical Financial checking or savings account, as well as payments made by cash or check, are credited to your loan the same business day.
  • Payments made from an external bank account begin processing the same business day.  Your loan is credited on the next business day after processing begins.

By Mail

You may also mail a check or money order payable to Tropical Financial Credit Union along with the payment stub included with your monthly billing statement.

Mail your payment to:

PO Box 829517
Pembroke Pines, FL 33082

Please allow sufficient mailing time to ensure your payment is received by the due date.

Fees: No Fees

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Loan Payment Posting Times

  • Payments are credited to your loan on the business day they are received.

Payment Method Tropical Account External Bank Account Debit Card Recurring Payments
Online Banking Free Free N/A
Loan Pay (Swivel) N/A $2.95 one-time
Free recurring
$8.95
Phone or Branch Free $2.95 $8.95
Mail Check or Money Order N/A N/A

THIRD PARTY LINK DISCLAIMER
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.