Tropical Financial Credit Union

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A short history of Tropical Financial CU

Since its inception in 1935 the Tropical Financial Credit Union has been serving its members in the MIRAMAR, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Richard Helber, the Tropical Financial CU has grown its membership to over 54,313 with assets of more than $657,731,522. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (888) 261-8328 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MIRAMAR, FL.

General Information For Tropical Financial CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68476
Address 3050 CORPORATE WAY 
State Florida 
Zip-Code 33025
Phone Number (888) 261-8328
Fax Number (954) 499-6758
Email Address: none
CEO/President Richard Helber
Members 54,313 
Full-Time Employees 163 
Part-Time Employees
Number of Branch Offices 10 
Total Assets 657,731,522 

Compare Tropical Financial Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Jetstream CU Mercy Branch 3663 S Miami Ave Fl 2 33014 (305) 821-7060 No 4.96
Power Financial CU Main Headquarters/Sheridan Branch 2020 NW 150th Ave 33028 (954) 538-4400 No 5.20
Shaw-ross Employees CU Main Office 1600 NW 163rd St 33169 (305) 625-4171 No 5.32
Sun CU Main Office 4205 Hollywood Blvd 33021 (954) 967-4441 No 6.10
Memorial Employees CU Memorial Regional Hospital 3501 Johnson St 33021 (954) 265-5862 No 6.67

Tropical Financial Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Tropical Financial Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 1.99 2.74 4.13 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 34 70 160 100
Rank Among All Florida Credit Unions 26 5 9 23 7

Tropical Financial Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.10 1.15 1.75
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 134 143 70
Rank Among All Florida Credit Unions 11 19 27 19 4
Tropical Financial Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9907,6938,178,563
All Other Unsecured Loans/Lines of Credit 15.9804,29210,697,963
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.9904,55790,300,559
Used Vehicle Loans 2.7406,384122,056,782
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.130913188,869,189
Total Other Real Estate Loans/Lines of Credit 4.0001,70259,944,987
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.6001,3353,835,330
TOTAL LOANS & LEASES 26,876483,883,373

Tropical Financial Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 45291,057,1139217,382,806
    b. 15 Years or less 16620,858,735346,040,880
    a. > 15 years 4119,926,658118,926,420
    b. 15 Years or less 18250,546,05000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 726,480,6333912,704,736
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 52723,507,097523,103,268
Closed-End Adjustable Rate 52115,002,455156,276
Open-End Adjustable Rate 65421,435,4351066,179,583
Open-End Fixed Rate 0000
TOTALS 2,615248,814,17633554,393,969


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 11561,289335,350
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Tropical Financial Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes