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iAdvertiser Disclosure
Advertiser Disclosure
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 Tropical Financial Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Tropical Financial Credit Union's 12 Month CD rates are at 4.40%, 12 Month IRA CD rates are at 4.40%, 12 Month Regular CD of Deposit rates are at 4.40%, IRA CDs - 12 month rates are at 4.40%, 18 Month CD rates are at 4.10%. Tropical Financial Credit Union's savings rates are at 0.05%. Tropical Financial Credit Union's money market rates are at 0.50%. Tropical Financial Credit Union's Jumbo 5/6 ARM (variable rate) rates are at 5.50%, Mortgage Rates - 5/6 ARM (variable rate) rates are at 5.50%, Jumbo 5/6 ARM refi (variable rate) rates are at 5.62%, Mortgage Rates - 5/6 ARM refi (variable rate) rates are at 5.62%, 15-year Jumbo (fixed rate) rates are at 6.00%. Tropical Financial Credit Union's Personal Loan Rates are as low as 11.99%. MonitorBankRates evaluates the financial stability of Tropical Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.63%. Rates last updated and verified on 09/14/2026. Tropical Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tropical Financial Credit Union? Share your experience about Tropical Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Tropical Financial Credit Union. 
Tropical Financial Credit Union CD Rates
Tropical Financial Credit Union Savings Rates
Tropical Financial Credit Union Money Market Rates
Tropical Financial Credit Union Mortgage Rates
Tropical Financial Credit Union Home Equity & HELOC
Tropical Financial Credit Union Auto Loan Rates
Tropical Financial Credit Union RV, Boat and Powersport Loan Rates
Tropical Financial Credit Union Personal Loan Rates
Tropical Financial Credit Union Other Rates
Financial Health HistoryTropical Financial Credit Union’s Texas Ratio stayed near 5.49% in Q2 2023 to 5.63% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tropical Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Tropical Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Tropical Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tropical Financial Credit Union
Website
https://tropicalfcu.org
Address
3050 Corporate Way,
Miramar, FL 33025
Phone
888-261-8328
Fax
954-499-6758
President
Mike Perez
CEO
Richard Shaw
Full-Time Employees
165
Part-Time Employees
6
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.63%
Return on Assets (ROA)
0.1078%
Return on Equity (ROE)
1.1536%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
995,166,534
Total Amount of Shares and Deposits
881,321,451
Total Shares and Deposits < 1 Year
859,424,913
Total Shares and Deposits 1 3 Years
19,989,827
Total Shares and Deposits > 3 Years
1,906,711
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
66,377,945
Total Uninsured Shares and Deposits > $250K (F+J)
66,377,945
Total Insured Shares and Deposits > $250K (item 17 less item K)
814,943,506
Total Interest Expense (Sum of items 6 8)
2,957,046
Share Certificates
4,146
Number of Accounts for Share Drafts
34,224
IRA KEOGH Accounts
1,604
Number of Accounts for Regular Shares
69,541
All other shares
791
Money Market Shares
2,852
Net Income (unless the amount is already included in Undivided Earnings)
1,072,780
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
125,607,703
Total Liabilities
901,692,085
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Tropical Financial Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Tropical Financial Credit Union
Frequently Asked Questions About Tropical Financial Credit UnionHow many branches does Tropical Financial Credit Union operate?Tropical Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Tropical Financial Credit Union?Yes, to access services at Tropical Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Tropical Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Tropical Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tropical Financial Credit Union offer online and mobile banking?Most modern institutions like Tropical Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://tropicalfcu.org. Current Tropical Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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