What are the current interest rates at Tropical Financial Credit Union?

Current rates for Tropical Financial Credit Union include: 12-Month CD: 4.40%, 18-Month CD: 4.10%, 24-Month CD: 3.65%, 60-Month CD: 3.65%, Savings: 0.50%, MMA: 3.50%

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Tropical Financial Credit Union

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Tropical Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tropical Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Tropical Financial Credit Union's top rates as of October 10, 2026 are 4.40% APY on its 12 Month IRA CD, 0.50% APY on savings, 3.50% APY on money market accounts, 6.06% on its 5/6 ARM (variable rate) mortgage, and personal loans from 11.99% APR, according to rates verified by MonitorBankRates. Other Tropical Financial Credit Union CD rates include 12 Month Regular CD of Deposit at 4.40%, 12 month CD at 4.40%, and IRA CD - 12 month at 4.40%. Other Tropical Financial Credit Union mortgage rates include Jumbo 5/6 ARM (variable rate) at 6.09%, 15-year Jumbo (fixed rate) at 6.75%, and 30 Year Jumbo refi (fixed rate) at 6.88%. MonitorBankRates evaluates the financial stability of Tropical Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.93%. Rates last updated and verified on 10/10/2026.

Tropical 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 money market rates and 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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.93%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Tropical Financial Credit Union
MIRAMAR

3050 Corporate Way
Miramar, FL 33025

https://tropicalfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Tropical Financial Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Certificate	4.33%	4.40%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 Month Regular Certificate of Deposit	4.33%	4.40%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month Certificate	4.33%	4.40%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 12 month	4.33%	4.40%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 Month IRA Certificate	4.04%	4.10%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 Month Regular Certificate of Deposit	4.04%	4.10%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month Certificate	4.04%	4.10%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 18 month	4.04%	4.10%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
9 Month Regular Certificate of Deposit	3.80%	3.85%	9 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
9 month Certificate	3.80%	3.85%	9 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 9 month	3.80%	3.85%	9 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 Month IRA Certificate	3.60%	3.65%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 Month Regular Certificate of Deposit	3.60%	3.65%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month Certificate	3.60%	3.65%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 Month IRA Certificate	3.60%	3.65%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 Month Regular Certificate of Deposit	3.60%	3.65%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month Certificate	3.60%	3.65%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
48 Month IRA Certificate	3.60%	3.65%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
48 Month Regular Certificate of Deposit	3.60%	3.65%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
48 month Certificate	3.60%	3.65%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 Month IRA Certificate	3.60%	3.65%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 Month Regular Certificate of Deposit	3.60%	3.65%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 month Certificate	3.60%	3.65%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 24 month	3.60%	3.65%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 36 month	3.60%	3.65%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 48 month	3.60%	3.65%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 60 month	3.60%	3.65%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 Month IRA Certificate	3.31%	3.35%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 Month Regular Certificate of Deposit	3.31%	3.35%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month Certificate	3.31%	3.35%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 6 month	3.31%	3.35%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
3 Month Certificate	3.21%	3.25%	3 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
3 Month IRA Certificate	3.21%	3.25%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
IRA Certificate - 3 month	3.21%	3.25%	3 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Savings Rates

Product	Rate	APY
Savings Club Account	-	0.50%
Details Quarterly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Roth IRA Savings Account	-	0.15%
Min Deposit $500 Details Quarterly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Traditional IRA Savings Account	-	0.15%
Min Deposit $500 Details Quarterly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Savings	-	0.05%
Min Deposit $1 Details Quarterly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	-	0.05%
Min Deposit $1 Details Quarterly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	3.50%
Min Deposit $2,500 Min Balance $500,000 Details Minimum: $2,500 minimum deposit; Balance: $500,000 and Over; Monthly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Money Market	-	1.50%
Min Deposit $2,500 Min Balance $250,000 Details Minimum: $2,500 minimum deposit; Balance: $250,000 to $499,999; Monthly dividend payments Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.55% → 1.50% ▲ 0.95 pts · high 1.50% / low 0.55% Oct 10, 20261.50%▲ from 0.55% Sep 18, 20260.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Money Market	-	0.55%
Min Deposit $2,500 Min Balance $25,000 Details Minimum: $2,500 minimum deposit; Balance: $25,000 to $94,999; Monthly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Money Market	-	0.55%
Min Deposit $2,500 Min Balance $100,000 Details Minimum: $2,500 minimum deposit; Balance: $100,000 to $249,999; Monthly dividend payments Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 0.55% ▼ 0.95 pts · high 1.50% / low 0.55% Sep 18, 20260.55%▼ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Money Market	-	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Minimum: $2,500 minimum deposit; Balance: $2,500 to $24,999; Monthly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.50%
Min Deposit $2,500 Min Balance $300,000 Details Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $300,000 and Over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Money Market	-	3.25%
Min Deposit $2,500 Min Balance $50,000 Details Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $50,000 to $299,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Money Market	-	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $2,500 to $9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.50% ▼ 2.75 pts · high 3.25% / low 0.50% Sep 18, 20260.50%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Money Market	-	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $10,000 to $24,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.50% ▼ 2.75 pts · high 3.25% / low 0.50% Sep 18, 20260.50%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Money Market	-	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $25,000 to $49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.50% ▼ 2.75 pts · high 3.25% / low 0.50% Sep 18, 20260.50%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 5/6 ARM (variable rate)	6.064%	1.000	6.00%	5/6 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Jumbo 5/6 ARM (variable rate)	6.087%	1.000	6.125%	5/6 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
15-year Jumbo (fixed rate)	6.75%	0.875	6.926%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
30 Year Jumbo refi (fixed rate)	6.875%	1.125	7.008%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HE 1st Lien - 5 Year	4.99%	-	4.99%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 2nd Lien - 5 Year	4.99%	-	4.99%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 1st Lien - 10 Year	5.74%	-	5.74%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 1st Lien - 15 Year	5.99%	-	5.99%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
HELOC 1st Lien (adjustable rate)	6.00%	-	6.00%
Details Rate: or Prime Minus 1.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 22, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
HELOC 2nd Lien (adjustable rate)	6.00%	-	6.00%
Details Rate: or Prime Minus 1.00% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 22, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 2nd Lien - 10 Year	7.24%	-	7.24%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 2nd Lien - 15 Year	7.49%	-	7.49%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity HE 2nd Lien - 20 Year	8.24%	-	8.24%	20 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.89%	36 Months
Details Purchase transaction only. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Auto - 36 Months	-	-	3.89%	36 Months
Details Purchase transactions only. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Auto	-	-	5.24%	60 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Auto - 60 Months	-	-	5.24%	60 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Auto	-	-	5.34%	66 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Auto - 66 Months	-	-	5.34%	66 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Auto	-	-	5.44%	72 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Auto - 72 Months	-	-	5.44%	72 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Auto	-	-	5.54%	78 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.44% → 5.54% ▲ 0.10 pts · high 5.54% / low 5.44% Oct 10, 20265.54%▲ from 5.44% Sep 18, 20265.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Auto - 78 Months	-	-	5.54%	78 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 5.54% ▲ 0.10 pts · high 5.54% / low 5.44% Oct 10, 20265.54%▲ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business New Auto	-	-	5.94%	60 Months
Details A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Used Auto - 60 Months	-	-	6.04%	60 Months
Details A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business New Auto	-	-	6.14%	78 Months
Details A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Used Auto - 78 Months	-	-	6.24%	78 Months
Details A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Auto	-	-	6.24%	84 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business New Auto	-	-	7.04%	84 Months
Details A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Older Used Auto - 48 Months	-	-	8.24%	48 Months
Details Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boat Loan	-	5.69%
Details Various terms available with minimum loan amounts required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Boat Loan	-	5.69%
Details Various terms available with minimum loan amounts required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New Motorcycle Loan	-	6.49%
Details Various terms available with minimum loan amounts required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used Motorcycle Loan	-	7.49%
Details Various terms available with minimum loan amounts required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
New RV Loan	-	8.24%
Details Various terms available. Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Used RV Loan	-	8.24%
Details Various terms available. Minimum loan amount required. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan (Fixed Rate)	11.99%	Up to 84 months
Details Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Unsecured Line of Credit (Variable Rate)	13.75%	Revolving credit lin
Details Term: Revolving credit line; Variable rate based on prime rate. Other conditions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Tropical Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15-year Jumbo refi (fixed rate)	6.75%	0.875	6.926%	15 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
15-year refi (fixed rate)	6.50%	1.000	6.841%	15 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
30-year refi (fixed rate)	7.50%	1.000	7.72%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Jumbo 5/6 ARM refi (variable rate)	6.087%	1.000	6.125%	5/6 ARM
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Mortgage - 30 Year Jumbo (fixed rate)	6.875%	1.125	7.008%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Mortgage - 5/6 ARM refi (variable rate)	6.064%	1.000	6.00%	5/6 ARM
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Health Savings Account (Checking)	-	-	1.00%
Min Deposit $100 Details Monthly dividend payments Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tropical Financial Credit Union’s Texas Ratio rose from 5.78% in Q3 2023 to 6.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	6.93%	5.0	A
March 31, 2026	$995M	5.63%	5.0	A+
December 31, 2025	$984M	7.45%	5.0	A
September 30, 2025	$992M	3.83%	5.0	A+
June 30, 2025	$1.0B	3.78%	5.0	A+
March 31, 2025	$1.0B	4.31%	5.0	A+
December 31, 2024	$984M	5.82%	5.0	A+
September 30, 2024	$984M	6.10%	5.0	A
June 30, 2024	$974M	4.91%	5.0	A+
March 31, 2024	$974M	4.55%	5.0	A+
December 31, 2023	$967M	7.40%	5.0	A
September 30, 2023	$997M	5.78%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Tropical Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tropical Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tropical Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tropical Financial Credit Union

Website https://tropicalfcu.org

Address 3050 Corporate Way, Miramar, FL 33025

Phone 888-261-8328

Fax 954-499-6758

President Mike Perez

CEO Richard Shaw

Full-Time Employees 174

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.93%

Return on Assets (ROA)

0.3049%

Return on Equity (ROE)

3.2193%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

1,002,835,220

Total Amount of Shares and Deposits

884,180,645

Total Shares and Deposits < 1 Year

861,672,769

Total Shares and Deposits 1 3 Years

20,639,751

Total Shares and Deposits > 3 Years

1,868,125

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

68,065,732

Total Uninsured Shares and Deposits > $250K (F+J)

68,065,732

Total Insured Shares and Deposits > $250K (item 17 less item K)

816,114,913

Total Interest Expense (Sum of items 6 8)

5,883,946

Share Certificates

5,462

Number of Accounts for Share Drafts

34,304

IRA KEOGH Accounts

1,636

Number of Accounts for Regular Shares

69,208

All other shares

781

Money Market Shares

2,804

Net Income (unless the amount is already included in Undivided Earnings)

3,057,816

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

108,490,411

Total Liabilities

907,554,835

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Tropical Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tropical Financial Credit Union

How many branches does Tropical Financial Credit Union operate?

Tropical Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tropical Financial Credit Union?

Yes, to access services at Tropical Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tropical Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tropical Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tropical Financial Credit Union offer online and mobile banking?

Most modern institutions like Tropical Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://tropicalfcu.org.

Current Tropical Financial Credit Union Rates

12-Month CD4.40%
18-Month CD4.10%
24-Month CD3.65%
60-Month CD3.65%
Savings0.50%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Tropical Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tropical Financial Credit Union Texas Ratio

Tropical Financial Credit Union Health Trend

Tropical Financial Credit Union CD Rates

Tropical Financial Credit Union Savings Rates

Tropical Financial Credit Union Business Savings Rates

Tropical Financial Credit Union Money Market Rates

Tropical Financial Credit Union Business Money Market Rates

Tropical Financial Credit Union Mortgage Rates

Tropical Financial Credit Union Home Equity & HELOC

Tropical Financial Credit Union Auto Loan Rates

Tropical Financial Credit Union RV, Boat and Powersport Loan Rates

Tropical Financial Credit Union Personal Loan Rates

Tropical Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tropical Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tropical Financial Credit Union

How many branches does Tropical Financial Credit Union operate?

Is a member application needed to join Tropical Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tropical Financial Credit Union offer online and mobile banking?

Current Tropical Financial Credit Union Rates

Compare to Other Credit Unions