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.
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.
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 PayNEW
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 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
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.
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
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 | ✕ |
| Check or Money Order | N/A | N/A | ✕ |


