Welcome to Tropical Financial's Partner Company Benefit Page

*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 and Sarasota counties. Offers are subject to change without prior notice.

 1 Offer valid for checking accounts opened within your first 90 days of membership. Checking account must be open for three months. A minimum monthly direct deposit of at least $500 into your checking account must be active by the end of the three-month period in order to receive the $100 bonus and then an additional three consecutive months to receive the additional $50 bonus. The first $25 of your bonus will be deposited to your checking account upon account opening but will not be available to withdraw for 100 days. The second $75 of your bonus will be credited to your checking account by the 5th of the month following three months of checking account opening and the balance of $50 will be credited to your checking account by the 5th of the month following six months of checking opening. Offer is only available on your first checking account opened. Fiduciary accounts such as Trusts, Guardianships, Estates, Custodians, and HSA or Business accounts are excluded from this offer. Checking account is available, contact a TFCU representative or tropicalfcu.com for details. Bonus will be reported on IRS-1099 and you will be responsible for tax filing and reporting.

2 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 cash incentive. Cash bonus will be deposited to your TFCU savings account.  $150 cash incentive will be paid for loans $10,000-$14,999, $200 cash incentive will be paid for loans $15,000 +.  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. 

**90-day payment deferral subject to credit qualification. Interest will continue to accrue during the 90-day deferral period on the full amount borrowed beginning on the loan issue date. The accumulation of interest , with no payments being made to reduce the principal, will be added to the total repayment amount. If you have purchased disability, and/or life insurance any charges will continue to accrue for any deferred month, and the final loan payment will include such charges.  If you have purchased GAP insurance, please note that deferred payments may be excluded in the GAP coverage. Any deferred payments could be deducted from a GAP claim settlement, and you will be responsible for the remaining deficiency balance that may result. Other restrictions may apply. This offer may be removed at any time without notice.  TFCU membership eligibility required with $1 minimum in savings. Member must reside in a state within TFCU lending area.

3 Appraisal cost credit up to $475 towards the cost of a new appraisal will be reflected as a Lender Credit at time of closing and is good for mortgage applications submitted through 12/31/2024 and must close by 03/31/2025. Certain restrictions apply.  Member must have a checking account with direct deposit of at least $500/month to receive credit at closing.  Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Cannot be combined with any other offers.

4 QCash: APR = Annual Percentage Rate. Loan example: $1,000 loan at 16.99 APR with 12 monthly payments of approximately $91.21. TFCU membership for a minimum of 12 months is required along with other relationship based qualifications. Automatic Loan Payment required from TFCU account. Only 3 QCASH loans allowed within a rolling 12 months. Rates are subject to change without notice. This is not a firm offer of credit. Offer is subject to change or end at any time without notice. Member must reside in a state within TFCU lending area.

5 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.