TROPICAL FINANCIAL CREDIT UNION

Welcome to Tropical Financial, your trusted partner in financial growth and stability, located at 10510 N Kendall Dr, Miami, FL 33176. Since our establishment in 1935, we have been dedicated to serving our community with a personal touch, fostering relationships built on trust and support. With a total membership of 67,309, we are proud to be a part of the lives of many individuals and families. At Tropical Financial, we understand that your financial needs are as unique as you are. That's why we offer a variety of services tailored to help you achieve your goals whether it's purchasing your dream home, financing a new vehicle, or simply managing your savings efficiently. Our total assets stand at an impressive $984,085,778, reflecting our commitment to your financial well-being. Our experienced team is led by CEO Richard Shaw and guided by the vision of Board President Hilda Geer. Together, they ensure that every member receives personalized service and expert advice. We also employ 188 dedicated staff members who are here to assist you with everything from checking accounts to business loans. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at 3050 Corporate Way, Miramar, FL 33025. With total deposits reaching $164,209,691 and a net worth of $86,437,267, we pride ourselves on being financially stable and ready to serve you better every day. Our offerings include auto loans, mortgage loans, credit cards with rewards, and online banking services designed for your convenience. We invite you to connect with us at 305-261-8328 or explore our website at Tropical Financial for more information about how we can support your financial journey. Come visit us today we're excited to help you reach your financial goals!

At Tropical Financial, we take pride in our rich history and unwavering commitment to the community. Established in 1935, our branch has been a cornerstone of financial support in Miami, Florida. Located at 10510 N Kendall Dr, Miami, FL 33176, we have grown alongside our members and the community we serve. Over the decades, we have expanded our services and adapted to meet the ever-changing needs of our more than 67,000 members. From our humble beginnings, Tropical Financial has evolved into a trusted credit union with total assets amounting to $984,085,778. Our dedication to providing excellent financial services is matched only by our commitment to fostering strong relationships within the community. We understand that banking is not just about numbers; it's about people and their dreams. Our mission is clear: we strive to deliver personalized financial solutions while supporting the well-being of our community. Whether you're looking for a checking account, auto loan, mortgage financing, or business services, Tropical Financial aims to empower every member with the tools they need for success. We believe that by focusing on your needs and goals, we can make a significant impact in your life. While members can visit us at 10510 N Kendall Dr Miami Fl 33176, official correspondence should be sent to 3050 Corporate Way, Miramar, FL 33025. This allows us to maintain efficiency while keeping our main operations centered in Miami-Dade County. Our operating hours are designed with your convenience in mind open Monday through Thursday from 9:00 AM to 5:00 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 1:00 PM. You can also access your accounts anytime through online banking or ATMs available at our location. As we look ahead, Tropical Financial remains committed to enhancing our services through digital advancements and customer-centric initiatives. We prioritize accessibility by ensuring ADA compliance and offering easy-to-use online resources for all members. Through partnerships with local organizations and various outreach programs, we aim to give back to the community that has supported us for so long. Our goal is not just to be a financial institution but a partner in your journey toward financial health. Join us at Tropical Financial today! Experience how we can help you achieve your financial goals while being an active participant in building a stronger community together. For more information or assistance, feel free to reach out at (305) 261-8328. Welcome aboard!

At Tropical Financial, we believe that everyone deserves a chance to be part of a community that truly cares. Joining us is simple and welcoming! If you're living, working, or attending school in the Miami-Dade area, you likely qualify for membership. We're proud to serve individuals who share our values and want to enjoy the benefits of personalized financial services. Whether you're looking for checking accounts, loans, or simply a supportive place for your banking needs, becoming a member at Tropical Financial opens up a world of possibilities tailored just for you. If you'd like to learn more about the specific eligibility criteria, feel free to check out this link for detailed information. Once you're ready to join us, opening an account is straightforward and can be done by reaching out at (305) 261-8328. We can't wait to welcome you to our family at Tropical Financial, located at 10510 N Kendall Dr Miami Fl 33176!

At Tropical Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to ensuring that your finances are in safe hands. With a net worth of $86,437,267, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 877 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $251,113,099 in share certificates and $73,887,926 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $81,902,536 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $7,803 in used auto loans and a total of $792,368,769 in loans and leases. Our operational efficiency is reflected in our net income of -$4,040,231, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 180 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $3,982,697. Total Share Accounts: 119,842, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tropical Financial is your trusted partner. Visit us at 10510 N Kendall Dr Miami Fl 33176 or call 305-261-8328 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

At Tropical Financial, we understand that everyone has unique financial needs, whether it's for a new car, a home, or managing everyday expenses. That's why we offer a variety of loan products designed to help our members achieve their financial goals. Our branch located at 10510 N Kendall Dr, Miami, FL 33176 is committed to providing you with the best lending options available. With over 37551 loans issued, we've helped thousands of members achieve their financial goals. If you're looking to buy a new car, our auto loans feature some of the lowest rates in the industry. We have already issued over $230,657,764 in used vehicle loans and $130,598,057 in new vehicle loans to help members get on the road confidently. Thinking about homeownership? Our mortgage options are tailored for you. We offer Junior Lien 1-4 Family Residential Property loans totaling $87,540,616, making buying or refinancing simple and accessible. For those managing credit needs, we provide flexible terms on unsecured credit card loans with a total of $15,565,175 in loans helping members manage their finances effectively. Additionally, if you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $69,879,827 can provide the capital needed to expand your operations. We also recognize that sometimes life changes require refinancing options. Whether you want to lower your monthly payments or consolidate debt, our team is here to guide you through eligibility and application processes to find the best solution for your situation. For more information about our loan offerings or to discuss your specific needs with one of our representatives, please call us at 305-261-8328. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our services extend beyond just loans; we also provide personal banking solutions including checking and savings accounts along with online and mobile banking features for your convenience. Discover how Tropical Financial can support your journey towards financial success today!

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