Serving the communities of Miami-Dade, Broward, Palm Beach and Sarasota counties in Florida
  • 305-261-8328
  • 888-261-8328

Tropical Financial Credit Union provides the most benefit to members through lower loan rates, high saving rates and fewer fees. In fact, overall, credit union members save an average of $192 per year* just on auto loan interest expenses when compared to other banking institutions. Our members know they are getting a great deal with us. That's why, in our 80th year, we are committed to saving YOU money by lending at least $80 Million this year!
*Credit Union National Association Economics and Statistics Department, June 2014
So far this year, our members have entrusted us with:



From deposit rates to loan discounts, check out all our current promotions here

Be sure to check back often throughout the year so you don't miss out on any of our 80th Anniversary special offers.

Member Stories:

We asked our members what they love about TFCU. Here's what they had to say.

Ah shucks, we love you too! Thank you for allowing us to serve you. Satisfying members is our top priority!


TFCU opened their doors on March 13, 1935 with just over $800 in deposits to serve employees of Southern Bell. Throughout the 30s, 40s and 50s, we continued to grow.

By the 1960s our assets had reached over $10 million. In the 70's, we started to expand our services to include checking, credit cards and ATMs and by 1979 we had evolved into a full service financial institution.

During the 80s we continued to grow by leaps and bounds and in 1989, we opened our field of membership to include other select employee groups outside of the bell system companies that we initially served.

During the 90's we changed our name to Tropical Federal Credit Union and grew to serve over 200 select employee groups. Then in 2001, we changed our name once more to Tropical Financial Credit Union and opened our field of membership to the community.

Today we serve over 54,000 members and are over $500 million in assets. We are proud of our 80 year history and we look forward to serving the South Florida community for many more decades!