Tropical Financial Credit Union Miramar FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Tropical Financial, your trusted credit union located at 3050 Corporate Way, Miramar, FL 33025. Established in 1935, we have proudly served our community for decades, growing alongside our members and adapting to their financial needs. With a total membership of 67,309 individuals, we are dedicated to providing personalized banking services that make a real difference in people's lives. At Tropical Financial, we take pride in our robust financial standing, with total assets reaching an impressive $984,085,778 and total deposits amounting to $164,209,691. Our commitment to responsible lending is reflected in our total loans and leases of 37,551, ensuring that we support our members through various financial milestones whether it's purchasing a new vehicle or consolidating debt. Under the leadership of CEO Richard Shaw and Board President Hilda Geer, our team of 188 employees works diligently to create an environment where every member feels valued and heard. We understand that each person's financial journey is unique, which is why we offer a wide range of services from checking and savings accounts to auto loans and mortgages. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 3050 Corporate Way, Miramar, FL 33025. We invite you to explore the benefits of becoming part of the Tropical Financial family. Feel free to reach out by calling us at 888-261-8328, or simply stop by during our operating hours from 9:00 AM to 5:00 PM on weekdays. Your financial future starts here!

Branch History & Mission

At Tropical Financial, we are proud of our rich legacy that began in 1935 in the heart of Miramar, FL. Over the decades, we have transformed from a small credit union into a vibrant financial institution serving over 67,000 members. Our branch, located at 3050 Corporate Way, Miramar, FL 33025, stands as a testament to our commitment to community and financial growth. From our humble beginnings, we've dedicated ourselves to providing exceptional financial services while fostering a supportive environment for our members. As we evolved, we made it our mission to empower individuals and families by offering personal banking solutions such as checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking services. Our total assets have grown to an impressive $984,085,778, reflecting our stability and ability to serve our members effectively. We prioritize accessibility; our branch features ATM availability for convenient transactions and shared service center access for members of partner credit unions. While we do not currently offer drive-thru service, our lobby hours from 9:00 AM to 5:00 PM Monday through Friday ensure that we're here when you need us. We believe in making a positive impact on our community beyond just financial transactions. Our outreach programs and partnerships with local organizations allow us to give back and support various initiatives aimed at improving the lives of those around us. Our mission is clear: to provide outstanding financial services that not only meet the needs of our members but also contribute to the overall well-being of the communities we serve. We leverage digital advancements like online banking and mobile applications to ensure that managing your finances is easy and efficient. As you consider joining Tropical Financial, know that you're becoming part of a caring community focused on your success. We invite you to visit us at 3050 Corporate Way or call us at 888-261-8328 to learn more about how we can help you achieve your financial goals. Join us today and experience the difference that comes with being a member of Tropical Financial!

Branch Location & Accessibility

ATM and Drive-Thru Banking

For those times when you need quick cash or account access without stepping inside, we provide ATM availability right at our location. Unfortunately, we don't currently offer drive-thru banking; however, our friendly staff is always ready to assist you inside.

Connect With Us

If you have any questions or need assistance before visiting us, don't hesitate to call us at 888-261-8328. We look forward to helping you achieve your financial goals! Whether you're looking for a new account or advice on loans and financing options, Tropical Financial is here for you every step of the way. Come visit us today!

Location Highlights

Our branch is not only easily accessible but also designed with your convenience in mind. While you can visit us at our main address, official correspondence should be sent to the same address: 3050 Corporate Way, Miramar, FL 33025. You'll find ample parking available, so you won't have to worry about finding a spot when you come to see us. We are committed to making our facilities welcoming for everyone, with ADA-compliant features and ramps for easy access.

Operating Hours and Services

At Tropical Financial, we value your time. Our lobby hours are from 9:00 AM to 5:00 PM on weekdays, making it simple for you to fit banking into your busy schedule. When you visit us, you'll find a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Plus, we offer shared branch services for partner credit union members, allowing you even more flexibility when managing your finances.

Member Eligibility

Becoming a member of Tropical Financial is like joining a family that truly cares about your financial well-being. At our branch located at 3050 Corporate Way Miramar Fl 33025, we welcome individuals who live, work, or worship in the local community. If you're part of this vibrant area, you're already on your way to enjoying all the benefits we offer. Membership is open to those who meet our eligibility requirements, which you can find detailed on our website at . Joining us is easy and straightforward! All it takes is a simple application process, and soon you'll have access to a variety of personal banking services, including checking and savings accounts, auto loans, and more. If you have any questions or need assistance with the account opening process, feel free to reach out to us at (888) 261-8328. We're here to help you every step of the way as you embark on this exciting journey with Tropical Financial!

Business Banking & Commercial Services

Member and Non-Member Loan Opportunities

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.

Merchant Services That Empower

Imagine running your business without worrying about payment processing. Our merchant services make transactions easy and secure. From credit card acceptance to online payment options, we provide the tools you need to enhance customer experience and streamline operations. Visit us at 3050 Corporate Way, Miramar, FL 33025, or call us at 888-261-8328 to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, Tropical Financial provides tailored Business Banking services. From essential Merchant Services that facilitate smooth transactions to flexible Business Loans, we support your journey toward success every step of the way.

Digital Convenience

In today's busy world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking, allowing you to manage your finances from anywhere at any time. Our members enjoy easy access to their accounts, online bill pay, and even person-to-person payment options all designed to save you time and effort. Need cash on the go? Our ATM & Cash Withdrawal Services ensure you can access your funds quickly and easily. And if you're a member of one of our partner credit unions, feel free to take advantage of basic shared branch transactions such as deposits and withdrawals right here at Miramar.

Personal Banking Solutions

Whether you're starting your first savings account or managing multiple accounts, our Personal Banking services are here for you. We offer checking and savings accounts that fit your lifestyle. Need extra funds for a new car? Our Auto Loans & Vehicle Financing options provide competitive rates to help you drive away in your dream vehicle. If you're looking to buy a home or refinance your current mortgage, our Mortgage Loans & Refinancing solutions can guide you through the process smoothly. Sometimes, life throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation services that can help you manage those costs efficiently. Plus, don't forget about our Credit Cards with Rewards, perfect for those who want to earn while they spend!

We're Here for You

At Tropical Financial, we believe in making banking personal and accessible. With our friendly staff available during lobby hours from 9:00 AM to 5:00 PM, we're always ready to assist you with any questions or needs you might have. Give us a call at (888) 261-8328 or visit us today at 3050 Corporate Way Miramar Fl 33025 in Miramar, FL. Experience firsthand how we strive to serve you better!

Digital & Online Banking

At Tropical Financial, we understand that life can be busy, and managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to give you control over your money from anywhere, anytime. With our 24/7 Online Banking Services, you can access your accounts at any hour. Whether you're checking balances, transferring funds, or reviewing transactions, everything is just a few clicks away. To get started, visit us at https://www.tropicalfcu.com. We also provide E-Statements for those who prefer going paperless. This not only helps the environment but also allows you to keep track of your finances easily. You can access your statements whenever you need them without waiting for the mail. Our Mobile Application brings banking right to your fingertips. You can manage your accounts on the go, making it convenient to stay updated on your financial activities. Want to send money to a friend? Our Person-to-Person Transfers feature makes it quick and straightforward no need for cash or checks. Security is a top priority at Tropical Financial. We use Electronic Signature Authorization for added protection when signing documents online, ensuring that your information stays safe and secure. Although we currently do not offer Mobile Payments, our online banking platform provides all the essential tools you need for effective account management. Plus, with real-time updates on your transactions, you're always in the know. In today's fast-paced world, having reliable digital banking services is crucial. At Tropical Financial, we strive to make banking simple and accessible so you can focus more on what matters most in life.

Financial Strength

Growing Member Base

Total Share Accounts stand at 119,842, showing a strong and growing member base that trusts us with their finances. Our available funds for lending and investments amount to $3,982,697, further strengthening our commitment to providing valuable financial solutions. 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

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 performance shows through our net income of -$4,040,231, which reflects our operational efficiency as we strive 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.

Reinvestment for Better Services

With $81,902,536 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $7,803 in used auto loans and $792,368,769 in total loans and leases.

Strong 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, with over $230,657,764 in used vehicle loans and $130,598,057 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to drive away with a vehicle that fits your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $69,879,827 provide the capital needed to grow and expand. We understand the unique financial needs of businesses and are dedicated to supporting local entrepreneurs with tailored lending solutions.

Credit Lines

If you're looking for more flexibility in managing your finances, our credit lines totaling $265,928,728 offer you access to funds when you need them most. This option provides peace of mind for unexpected expenses or planned purchases without the hassle of reapplying each time. At Tropical Financial, we pride ourselves on being part of our community and offering personalized service. If you're interested in refinancing any existing loans or would like more information about eligibility options, please reach out. You can contact us at (888) 261-8328, or visit us at our branch located at 3050 Corporate Way Miramar Fl 33025 in Miramar, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $87,540,616, make buying or refinancing simple. We offer various mortgage products designed to meet your specific needs, whether you're a first-time homebuyer or looking to refinance an existing loan.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $15,565,175 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your budget intact.

Loan Aggregator

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