About Tropical Financial Credit Union's Award Winning Sarasota, Dade, Broward and Palm Beach County Branches Welcome to Tropical Financial Credit Union of South Florida. Tropical Financial is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1935, Tropical Financial has grown to manage the time and money of more than 65,000 members! We're dedicated to providing our members with the very best in financial services at extremely competitive rates and terms. We offer a full range of financial services designed to ensure sound financial planning, convenience and security to our credit union's members. Many of our members prefer to do business with our credit union rather than banks because of the personalized attention we give each of our members. Each and every member receives exceptional value from our financial services. In this economy, you need every advantage to grow your financial portfolio. You'll get more for your money at Tropical Financial Credit Union. Our Mission Tropical Financial Credit Union is a not-for-profit financial cooperative that provides its members with valuable products, services and education to help each individual achieve his or her financial goals. Our unique, not-for-profit structure allows us to offer our members in Miami and other areas of South Florida lower mortgage and loan rates, higher saving rates, fewer fees and more personalized service than for-profit banking institutions. Our Structure Unlike banks, credit Unions are member owned financial cooperatives; so when you join Tropical Financial, your initial deposit to open a share account establishes your membership and makes you a part-owner. Since there are no outside bank stockholders to satisfy, our credit union passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking. And Tropical Financial is here for you with award-winning branches in Palm Beach, Miami-Dade, Broward and Sarasota Counties as well as online with over 200 employees, half of whom are bilingual. Our Vision We will transform Tropical Financial Credit Union into an agile, efficient, member-focused team recognized for organizational excellence. Our Purpose Our credit union's purpose is to guide members successfully through the financial marketplace by creating a sustainable competitive advantage through our award winning excellent service and trusted advice throughout Palm Beach, Broward, Dade and Sarasota Counties. Here are ways we help you get ahead in this challenging economy: * Affordable banking services * Best Fixed Rate Mortgage in South Florida * High interest savings accounts * Free Checking accounts * High yield checking accounts * Lower rates on loans * Comprehensive small business services * Retirement planning * Debt consolidation and refinancing * Free financial seminars Our Core Values * Member Satisfaction: Focus on members' needs * Employee Satisfaction: Value each other * Financial Performance: Enhance financial strength * Continuous Improvement: Seek organizational excellence Deposits When it comes to financial goals, everybody has their own, from keeping a watchful eye on their checking account, to setting up a college fund, to saving money for retirement. That's why Tropical Financial Credit Union provides a full range of excellent accounts including investment programs and health savings accounts -- to fit the needs of all its members. Checking and savings accounts you can choose from include our free checking with no minimum balance and a wide selection of high-yield savings accounts, Individual Retirement Accounts (IRAs) and certificates. Our members earn more because we pay more! Our South Florida credit union does everything a bank does and more. Take a look at all the products and services that we have to offer then decide for yourself what you need. Or speak with a member service representative. He or she will be happy to help guide you through the process of joining a credit union. After all, it's your money and managing your money requires solid choices that will lead you to your financial goals. You can reach a member service representative, at 305-261-8328 in Miami-Dade or 888-261-8328 from all other areas if you have any questions. We are more than happy to work with you to find the best checking account, savings account, investment account or health savings account that fits your financial needs. Extend your financial power When you're looking to purchase a new car or home, need extra cash to plan a vacation, want to refinance an existing loan or even in consolidating bills—Tropical Financial Credit Union can meet your financing needs. We work hard to deliver you loan programs in South Florida with great value and highly competitive interest rates. Our exceptionally low rates, flexible terms, and up to 100% financing can help you attain the things you want and need, from a remodeled kitchen to money for college, with enough left over to start thinking about "a little more". It's our desire to ensure that our members receive superior service and a fair deal. After all, we know that borrowing money to buy the things you need is an important decision and we'd like to make it a positive experience. Whatever your lending needs are, Tropical Financial has the right loan program to suit your needs. Apply online today! Mortgages Buying a house can be an intimidating process, and financing it can appear even more overwhelming. That's why we have mortgage representatives that can go through the process with you to help you choose the South Florida home loan program that meets your needs, allowing you to bypass the unpredictability of an adjustable rate with a fixed-rate mortgage from Tropical Financial. It's great-value and easy-to-understand with competitive interest rates. New & Used Auto and Vehicle Our auto loans are designed to get you on the road quickly. For the ultimate in convenience at a great rate, Tropical Financial can pre-approve your loan before you shop for that new or used vehicle. Home Equity The equity in your home can be a great resource if you're looking for a low-cost loan for major purchases or expenses. Consolidate bills, remodel your home, or pay college expenses with your home's equity and make one single low payment.