Tropical Financial Credit Union Rates and Review January 2026
Compare Tropical Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Tropical Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityTropical Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Tropical Financial Credit Union? Share your experience about Tropical Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Tropical Financial Credit Union. Overall, Tropical Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonAcademic VISA® Platinum
10.900%
Classroom Supply Visa
8.500%
Visa Platinum Rewards
14.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
9.000%
$0
60
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
Debt Consolidation Loan
11.240% - 17.950%
$0
25 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Tropical Financial Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Tropical Financial Credit Union
Website: https://tropicalfcu.org
Full Time Employees: 175Part Time Employees: 6 President: Mike Perez CEO: Richard Shaw Branch Locations: 6 ATM Locations: 8 Corporate Office Address:
3050 Corporate Way
Miramar, FL 33025 Phone Number: 888-261-8328 Fax Number: 954-499-6758 FinancialsTotal Assets:
992,159,491
Total Amount of Shares and Deposits:
877,818,971
Total Shares and Deposits < 1 Year:
872,402,196
Total Shares and Deposits 1 3 Years:
3,544,566
Total Shares and Deposits > 3 Years:
1,872,209
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
58,948,434
Total Uninsured Shares and Deposits > $250K (F+J):
58,948,434
Total Insured Shares and Deposits > $250K (item 17 less item K):
818,870,537
Total Interest Expense (Sum of items 6 8):
10,103,562
Share Certificates:
5,212
Number of Accounts for Share Drafts:
34,360
IRA KEOGH Accounts:
1,733
Number of Accounts for Regular Shares:
70,129
All other shares:
797
Money Market Shares:
2,932
Net Income (unless the amount is already included in Undivided Earnings):
3,667,652
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
100,668,130
Total Liabilities:
901,882,013
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Tropical Financial Credit UnionIs a member application needed to join Tropical Financial Credit Union?Yes, to access services at Tropical Financial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Tropical Financial Credit Union provides a range of mortgage and home equity products. Is Tropical Financial Credit Union a safe place to deposit money?Yes, Tropical Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Tropical Financial Credit Union offer online and mobile banking?Most modern institutions like Tropical Financial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.60%, 6-month CD rates at 3.45% and 3-month CD rates at 3.80%. Savings rates are at 0.20% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 6.09%. Credit Card rates are at 15.24%. Personal Loan rates are at 10.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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