Understanding how to protect yourself from unexpected financial setbacks is an important step toward strengthening your financial well-being. At Tropical Financial Credit Union, we're committed to empowering you with the knowledge you need, which is why we're inviting you to our upcoming Financial Wellness webinar, Emergency Fund Planning. This informative session will focus on building a safety net that provides security and greater peace of mind.
During the webinar, you'll learn why you need at least 3 months of living expenses saved up, how to easily and painlessly start an emergency fund, and how your employer can help you save for emergencies. Co-presented by James Nunez, Tropical Financial Credit Union Doral Assistant Branch Manager. This session will take place at 10:00 a.m. on Thursday, June 11th and is designed to give you practical tools to support your financial success.
Welcome to Tropical Financial's Partner Company Benefit Page
Free Daily Rewards Checking
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Earn 2 cents on every retail purchase1
Rewards credited to your account the next business day.
- No Monthly Service Fee
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- No Minimum Balance Required
- No ATM Fees from Tropical2
- Digital Banking Access
- e-Statements
- 1st Order of Checks, Mobile, and E-Services Are Free
$150 In Your Pocket
Refinance with TFCU and we’ll give you up to $150 back!3
Lower Your Monthly Payment
See how much you can save in less than 60 seconds!
Fast Approval
Apply and receive an answer, usually within 24 hours!
Need A Checklist to Get You Started?
Click to download
the TFCU Auto Refinance Guide
The Road to Home Ownership Guide
- If you are considering homeownership, it’s never too early to start planning
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The Road to Home Ownership Guide will help you:
Calculate how much home you can afford
Consider your credit score and how it impacts your application
Create a monthly budget to help with saving (worksheet included)
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- On top of a closing cost discount, our program includes waived intangible tax, down payments as low as 3%, special member pricing on PMI, and more
Home Equity and Lines of Credit Guide
- For those looking to tap into their home’s equity for large purchases, home renovations, and debt consolidation TFCU offers no closing costs up to $250,000 and low rate options
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The TFCU Home Equity Guide will help you determine:
What is a home equity loan
How does it all work
What's required for these type of loans
Do you need a home equity loan or a line of credit
Mortgage Items Checklist
- For those looking to refinance your credit union mortgage, you’ll need a lot of the same documents used when you first applied
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The Home Loan Checklist highlights the pros of using a credit union for your Jumbo Loan and what documentation you need to help streamline the process
Important information related to Jumbo Home Loans
Top 3 reasons to stay local and choose a credit union for your next loan
Printable PDF checklist to have with you at all times
TFCU membership required. We will deposit the $1 minimum requirement to open your account. Employees must reside or work in Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee, Sarasota, Monroe, Charlotte, and Manatee counties. Offers are subject to change without prior notice.
1 Rewards are credited to your account the next business day. The monthly earnings of $6 for daily rewards checking assumes that there is a total of 300 transactions monthly at 2 cents. The earnings could be more or less contingent on the number of transactions monthly. The comparison with the high-yield checking assumes a monthly earning of $4.17 given that there is a minimum account balance of $1000 with an APY of 5%. See 
. Other conditions may apply.
2 Additional Fee may be charged by the financial institution providing the ATM.
3 Credit and collateral subject to approval. Existing Tropical Financial Credit Union loans are not eligible for this offer. Loan balance of at least $10,000 required for $150 cash incentive. Cash bonus will be deposited to your TFCU savings account. Refinance offer limited to one per vehicle. Offer cannot be combined with any other offers. Other restrictions may apply. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive. TFCU will deposit the $1 minimum requirement to open your account.
4 Annual Percentage Yield (APY) Penalties will apply for early withdrawal. 0.10% APY bump on all regular CDs applies to deposits of at least $500, in which all the funds are new money. Cannot be combined with other promotional offers. Rates subject to change without notice. All IRAs are for individuals only and not available to businesses or to be opened under a business account. The minimum average daily balance to earn APY (Annual Percentage Yield) is $500. The APY is based on the assumption that interest will remain in the CD Account until maturity. Fees may reduce the earnings on the CD Account.