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. Tropical Financial is doing everything we can to make your money work hard for you. Take advantage of our credit union's deposit and loan rates. This opportunity isn't knocking, it's banging. Tropical Financial Credit Union offers some of the best rates in South Florida and the industry as a whole. And by "best" we mean high yield savings account rates, high yield checking, high yield CDs, and the best credit union mortgage rates in Florida, plus low personal loan rates. We offer above-market rates on all of our checking and savings accounts - including some of the highest savings account interest rates -- so that you can make the most of your money. At Tropical Financial, our goal is to help you make real progress toward your financial goals. When it comes to rates, from money markets to CDs, and from auto loan refinancing to mortgages, we invite you to compare our credit union's rates with the competition. Compare the mortgage rates in Florida and see for yourself! Our credit union also offer certificates available in a variety of terms and at very competitive rates for members who prefer a higher fixed rate dividend for a fixed period of time. Plus, we offer both Traditional and Roth IRAs in a variety of terms at preferred rates. 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. Tropical Financial offers fixed rate home equity loans in Miami and other areas of South Florida, as well as adjustable-rate lines of credit. Personal Lines of Credit A Personal Signature Line of Credit from Tropical Financial provides a ready source of cash anytime you need. We offer affordable rates and terms. Compare ours before you finance your purchase with a high-rate store card. One more idea: set up your Personal Signature Line of Credit as overdraft protection for your Tropical Financial checking account.