Tropical Financial Credit Union Miramar FL | 24/7 ATM Access & Quick Cash

Introduction

Welcome to Tropical Financial, your trusted credit union located at 3050 Corporate Way, Miramar, FL 33025. Since our establishment in 1935, we've proudly served our community, helping over 67,309 members achieve their financial goals. With total assets exceeding $984,085,778 and deposits reaching $164,209,691, we are committed to providing robust financial services that empower you. At Tropical Financial, we understand that every member's needs are unique. That's why we offer a variety of loans and services designed to support both personal and business aspirations. Currently, we manage a total of 37,551 loans and leases, ensuring that our members have access to the funds they need for their dreams. Our leadership team is dedicated to maintaining the highest standards of service. Under the guidance of CEO Richard Shaw and Board President Hilda Geer, our skilled staff of 188 employees is here to assist you with any questions or concerns you may have. We pride ourselves on building lasting relationships within the community and always put our members first. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 3050 Corporate Way, Miramar, FL 33025. Whether you're looking for a new vehicle loan or simply want to open a savings account, we invite you to explore how Tropical Financial can help you thrive financially. For more information or to speak with one of our friendly representatives, feel free to call us at 888-261-8328 during our operating hours from 9:00 AM to 5:00 PM on weekdays. Join us at Tropical Financial where your financial success is our mission!

Branch History & Mission

Tropical Financial has a proud history that dates back to 1935 when it first opened its doors in Miramar, Florida. Since then, we have grown from a small credit union into a trusted financial institution serving over 67,000 members. Our branch is located at 3050 Corporate Way, Miramar, FL 33025, conveniently situated near major landmarks that reflect the vibrant community we serve. Our mission is simple yet profound: to empower our members with personalized financial services while fostering community growth and support. We believe in providing not just banking solutions but also guidance and resources that help individuals and families achieve their financial goals. With total assets of approximately $984 million, we are committed to ensuring our members have access to the tools they need for success. Throughout the years, Tropical Financial has embraced innovation while maintaining our core values. We are dedicated to enhancing the member experience through digital advancements like online banking and electronic signatures. Our commitment to accessibility ensures that everyone can benefit from our services, and we continuously strive to adapt to the needs of our community. While members can visit us at our main location, official correspondence should be sent to the same address: 3050 Corporate Way, Miramar, FL 33025. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM, allowing ample time for our members to connect with us. At Tropical Financial, we take pride in our involvement within the community. We actively partner with local organizations and participate in outreach programs aimed at supporting those in need. Whether it's through financial education workshops or community events, we seek to make a positive impact beyond just banking. We invite you to join Tropical Financial and experience firsthand the benefits of being part of a credit union that truly cares about its members and their communities. Together, let's build a brighter financial future! For more information or to get started today, call us at 888-261-8328 or visit us online at tropicalfcu.org.

Branch Location & Accessibility

Accessibility and Parking

At Tropical Financial, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and ample parking spaces to ensure ease of access. Whether you're visiting for a quick transaction or a more detailed consultation, you'll find our friendly staff ready to assist you.

Call-to-Action

We invite you to stop by Tropical Financial in Miramar today! Experience our welcoming environment and let us help you with your banking needs. We look forward to serving you!

Operating Hours

We know your time is valuable! That's why we're open from 9:00 am to 5:00 pm Monday through Friday. This schedule allows you to manage your banking around your busy day. If you have questions or need assistance, don't hesitate to reach out at 888-261-8328.

Services Offered

While we currently do not offer ATM services or drive-thru banking at this location, our team is here to provide personal assistance with various financial services tailored just for you. From loan inquiries to savings account management, we are dedicated to helping you achieve your financial goals.

Member Eligibility

Becoming a member of Tropical Financial feels like joining a close-knit community where your financial well-being is the priority. If you're interested, you can easily qualify for membership by meeting a few friendly criteria that include being part of certain groups or living in specific areas around our branch. We welcome anyone who shares our values and is ready to take advantage of the great benefits we offer, from competitive rates to personalized service. To dive deeper into the eligibility requirements, feel free to check out this resource. Opening an account with us is straightforward! Just reach out at (888) 261-8328 during our operating hours, or visit us at 3050 Corporate Way Miramar Fl 33025. Our dedicated team is here to help you every step of the way, making sure your transition into membership is smooth and welcoming. Don't hesitate to connect with us; we can't wait to welcome you into the Tropical Financial family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having the tools to streamline your transactions effortlessly. Our merchant services empower local businesses to accept payments easily, ensuring cash flow remains steady. This means more time focusing on what you do best running your business. Visit us at 3050 Corporate Way Miramar Fl 33025 in Miramar, FL or give us a call at (888) 261-8328 to explore how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $116 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $69,879,827, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Banking Made Easy

One of the standout features at Tropical Financial is our focus on digital banking. With our online banking platform, you can manage your accounts from the comfort of your home or on the go. This means checking balances, transferring funds, and paying bills has never been easier. Plus, our mobile application ensures that your finances are always just a tap away.

Everyday Needs

We understand that every member's situation is unique. Our comprehensive offerings include various services to meet those needs effectively. For instance, if you're in need of cash on the go, we provide ATM Services Only for easy access to your funds without any hassle.

Get Started Today!

If you're ready to explore how Tropical Financial can assist you with your financial needs, don't hesitate to reach out! Call us at 888-261-8328 during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. Join us today and experience the difference in banking with a credit union that truly values its members! Visit our website at tropicalfcu.org for more information on all of our services.

Personalized Support

Our team is here to help you navigate through your options whether you're saving for a dream vacation or planning for retirement. We pride ourselves on offering personalized service where you can speak with friendly representatives who understand your financial goals and challenges.

Digital & Online Banking

Key Features of Our Online Banking Services

Our online banking platform offers a variety of features to help you manage your finances effortlessly. You can view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you're looking for convenience in sending money to friends or family, our person-to-person transfer service makes it easy to send cash quickly and securely. Security is our top priority. With electronic signature authorization available, signing documents online is both simple and safe. You can also choose to receive e-statements, which not only helps reduce paper clutter but also keeps your financial records organized and easily accessible.

Stay Connected on the Go

For those who prefer mobile banking, our dedicated mobile application lets you take your bank with you wherever you go. Whether you're checking balances or making transfers while out and about, our app provides a user-friendly experience right at your fingertips. Although we currently do not support mobile payments, our focus remains on ensuring that all other aspects of digital banking are smooth and efficient. In today's fast-paced world, being able to manage your finances on the go is crucial. With the services available at Tropical Financial, you can enjoy real-time account management that fits seamlessly into your lifestyle. Join us at https://www.tropicalfcu.com to explore how our digital banking solutions can empower you every day!

Financial Strength

A Growing Member Base

We are dedicated to supporting our community's financial needs. With a total of 119,842 share accounts, it's clear that many members trust us with their finances. Our available net shares stand at $3,982,697, allowing us flexibility in lending and investment opportunities. 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 3050 Corporate Way Miramar FL 33025 or call 888-261-8328 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 your financial goals with $7,803 in used auto loans and a total of $792,368,769 in loans and leases across various sectors.

Member Savings and Investments

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.

Operational Efficiency

Our operational efficiency is evident in our -$4,040,231 net income, which highlights areas for improvement as we work towards providing even more 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 team.

Our Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already funded over $230,657,764 in used vehicle loans and $130,598,057 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a new or used vehicle, our dedicated team is here to guide you through the process and ensure you find the best fit for your budget.

Business Financing

For business owners looking to grow or expand their operations, our outstanding commercial loans amounting to $69,879,827 provide essential capital. We are committed to supporting local businesses and helping them thrive in our community. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're considering refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out. Whether you're ready to apply now or just have questions about your options, give us a call at 888-261-8328 or visit us at 3050 Corporate Way Miramar Fl 33025. Our friendly staff is eager to assist you during our operating hours from 9:00 am to 5:00 pm. Let us help you take that next step towards achieving your financial goals!

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we also provide flexible credit lines totaling $265,928,728. This option is perfect for managing expenses or funding projects as they arise. Furthermore, we offer unsecured credit card loans with a total of $15,565,175 available to help members manage their finances effectively without the need for collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $87,540,616. We make buying or refinancing simple and straightforward. Our team can assist you with eligibility options and help you understand your choices so you can make informed decisions about your future.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are viewing legitimate loan options tailored to their needs.