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Welcome to TFCU's Partner Company Benefit Page


Direct Deposit Checking Accounts1

1st Order of Checks
Mobile & E-services
27,000 ATMs
Available Nationwide with Zero ATM Fees!
Direct Deposit
Instant Access to Your Paychecks!
Daily-Rewards-Debit_logo Final
Perks 2020 Final
  • No monthly service fee
  • No minimum balance required
  • Rewards credited to your account the next business day
  • Earn 2 cents on every retail purchase
  • Limit of 40 daily transactions

Monthly service fee waived if you meet one of the following:

  • Direct deposit of at least $500 to savings or checking/debit
  • Daily minimum balance of at least $1,500 in checking/debit
  • A first mortgage with TFCU
  • No minimum balance
  • No direct deposit required 
  • Mobile phone coverage 
  • Credit monitoring, credit report and score
  • Dark web monitoring 
  • Identity theft recovery service
  • Shopping discounts and more! 

A low monthly fee of $6

Best for those who want to be rewarded for their purchases

Best for those looking for lower costs and better benefits.

Best for those wanting to get exclusive account perks.

Open New Account

Open New Account

Open New Account

Open your account with Direct Deposit and we'll give you $150!1

Refinance With TFCU And We’ll Give You Up To $200! 2

Up to $200 In Your Pocket
Lower Your Monthly Payment
Fast Approval

Refinance with TFCU and we’ll give you up to $200 back!2

See how much you can save in less than 60 seconds!

Apply and receive an answer, usually within 24 hours!

Apply Now


Refinancing your auto loan can have many benefits, here are some of the top reasons many look to refinance their auto loan with TFCU:

  • 90 days deferment**
  • Competitive rates
  • Term extension options
  • Payment frequency options (monthly, weekly, bi-weekly, semi-monthly)
  • Mobile App for easy application submission
  • Low price auxiliary products
  • Closing at your leisure in the comfort of your home.
  • Getting pre-approved for a credit union auto loan refinancing puts you in the driver’s seat.

Need A Checklist to Get You Started?
Click below to download
the TFCU Auto Refinance Guide

TFCU Auto Refi checklist
Apply Now

Stress- Free Mortgage Loans

New Home Purchase

Mortgage Refinance

Ask for Details 

Mortgage Resources 

TFCU Road to Home Ownership Guide
For those who haven’t owned a home within the past three years, we offer the First Time Mortgage Buying Program. 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.

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, low rate options, and loans up to 80% LTV.

TFCU Mortgage Item Checklist

For those looking to refinance your credit union mortgage, you’ll need a lot of the same documents used when you first applied. In case you forgot, we’ve compiled a helpful list of everything you might need when refinancing.

Speak With A Mortgage Officer

$475 towards the cost of a new appraisal.3

QCash - Credit Builder Personal Loans4

  Watch a Quick Overview on Building Credit!
  • NO Credit Score Requirement
  • Enjoy a Low Rate of 16.99% APR
  • $35 Application Fee 
  • Must be a TFCU member for at least 6 months 
  • Application within online banking or TFCU app only
  • Funds deposited within minutes to your TFCU savings account. 
$1000 Loan
$91.22 Payments x 12
(approx. $1110 total)
Login to Online Banking

Certificates of Deposit5

  Watch a Quick Overview on Building Credit!
  • 0.10% bump on any regular CD with a minimum of $5,0005
  • Competitive rates 
  • Open online 
Want to grow your money? 
We can help!
Login to Online Banking to Apply

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Fighting Fraud 

     June 7th and 21st   

11:00 a.m.

Register Here 


Webinars from Balance

 "Becoming a Homeowner" 

June 13th 1:30 p.m.

June 22nd 8:30 p.m.  

Register Here


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*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. Several checking account options are 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 APR = Annual Percentage Rate. Your actual rate may vary and will be determined at the time of disbursement, based on your credit worthiness, term, collateral, and loan program. Not all applicants will qualify for the lowest rate. Any savings is an estimated reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. Your actual savings will depend on the terms on which you refinance. Auto refinance must be from another lender. Refinance incentive does not apply to car loans financed at TFCU, SFAC, rateGenius or ILending. $150 cash incentive will be paid for loans $10,000-$14,999, $200 cash incentive will be paid for loans $15,000 +. Loan balance of at least $10,000 required for 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 offer. Other restrictions may apply. Rate will not be lower than 2.35% APR. Refinance Example: $10,000 loan at 2.35% APR with 60 monthly payment of approximately $176.83. This offer may be removed at any time without notice. Loan subject to credit approval. TFCU will deposit the $1 minimum requirement to open your account. Must reside in 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 03/31/2023 and must close by 06/30/2023. 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: Loan example: $1,000 loan at 16.99 APR with 12 monthly payments of approximately $91.21. TFCU membership for a minimum of 6 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 $5,000, 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.