Tropical Financial Credit Union

Miramar, Florida
Last verified: August 4, 2026
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Verified rate book

Current Tropical Financial Credit Union rates

52 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
Tropical Financial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Jumbo 30-Year Fixed, Refinance30 year fixed6.125% APR6.252%—Standard
Jumbo 30-Year Fixed30 year fixed6.125% APR6.252%—Standard
Jumbo 15-Year Fixed, Refinance15 year fixed6.000% APR6.172%—Standard
Jumbo 15-Year Fixed15 year fixed6.000% APR6.172%—Standard
Jumbo 5/6 ARM (variable rate)5 1 arm5.125% APR5.632%—Standard
5/6 ARM (variable rate)5 1 arm5.375% APR5.742%—Standard
Jumbo 5/6 ARM refi (variable rate)5 1 arm5.375% APR5.705%—Standard
5/6 ARM refi (variable rate)5 1 arm5.375% APR5.742%—Standard

Auto & vehicle rates

19 offers
Tropical Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Used Auto Loanauto_used_36mo3.890% APR3.890%36 mo · usedStandard
36-Month New Auto Loanauto_new_36mo3.890% APR3.890%36 mo · newStandard
Purchase transactions only. Other conditions may apply.auto_any_36mo3.890% APR3.890%36 moStandard
60-Month New Auto Loanauto_new_60mo5.240% APR5.240%60 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.240% APR5.240%60 mo · usedStandard
Minimum loan amount required. Other conditions may apply.auto_any_60mo5.240% APR5.240%60 moStandard
78-Month New Auto Loanauto_new_78mo5.440% APR5.440%78 mo · newStandard
Minimum loan amount required. Other conditions may apply.auto_any_78mo5.440% APR5.440%78 moStandard
78-Month Used Auto Loanauto_used_78mo5.440% APR5.440%78 mo · usedStandard
New Boat Loanboat_new5.690% APR5.690%newStandard
Used Boat Loanboat_used5.690% APR5.690%usedStandard
Minimum loan amount required. Other conditions may apply.auto_any_84mo6.240% APR6.240%84 moStandard
84-Month New Auto Loanauto_new_84mo6.240% APR6.240%84 mo · newStandard
New Motorcycle Loanmotorcycle_new6.490% APR6.490%newStandard
Used Motorcycle Loanmotorcycle_used7.490% APR7.490%usedStandard
Used RV Loanrv_used8.240% APR8.240%usedStandard
Minimum loan amount required. Other conditions may apply.auto_any_48mo8.240% APR8.240%48 moStandard
New RV Loanrv_new8.240% APR8.240%newStandard
48-Month Used Auto Loanauto_used_48mo8.240% APR8.240%48 mo · usedStandard

HELOC rates

9 offers
Tropical Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HE 1st Lien - 5 Yearheloc4.990% APR4.990%—Standard
HE 2nd Lien - 5 Yearheloc4.990% APR4.990%—Standard
HE 1st and 2nd LIEN - 5 Yearheloc4.990% APR4.990%—Standard
HE 1st Lien - 10 Yearheloc5.740% APR5.740%—Standard
HELOC 1st Lien (adjustable rate)heloc_variable5.750% APR5.750%—Standard
HE 1st Lien - 15 Yearheloc5.990% APR5.990%—Standard
HE 2nd Lien - 10 Yearheloc7.240% APR7.240%—Standard
HE 2nd Lien - 15 Yearheloc7.490% APR7.490%—Standard
HE 2nd Lien - 20 Yearheloc8.240% APR8.240%—Standard

Personal loan rates

7 offers
Tropical Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Savings Secured Line of Credit (Variable Rate)ploc_variable2.550% APR2.550%—Standard
60-Month Share-Secured Loanpersonal_secured_60mo2.600% APR2.600%60 moStandard
Savings Secured Loan (Fixed Rate)personal_secured2.600% APR2.600%—Standard
Unsecured Loan (Fixed Rate)personal_unsecured11.990% APR11.990%—Standard
84-Month Unsecured Personal Loanpersonal_unsecured_84mo11.990% APR11.990%84 moStandard
Unsecured Personal Loanpersonal_unsecured13.750% APR13.750%—Standard
Unsecured Line of Credit (Variable Rate)ploc_variable13.750% APR13.750%—Standard

Savings & CD rates

5 offers
Tropical Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
3-Month Certificatecd_3mo3.25% APY3.21%3 moStandard
6-Month Certificatecd_6mo3.35% APY3.31%6 moStandard
24-Month Certificatecd_24mo3.65% APY3.60%24 moStandard
18-Month Certificatecd_18mo3.75% APY3.70%18 moStandard
9-Month Certificatecd_9mo3.85% APY3.80%9 moStandard

Other rates

4 offers
Tropical Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-Year (Fixed Rate)other5.750% %6.083%—Standard
15-Year Refi (Fixed Rate)other5.750% %6.083%—Standard
30-Year (Fixed Rate)other6.625% %6.834%—Standard
30-Year Refi (Fixed Rate)other6.750% %6.948%—Standard

As of August 4, 2026, Tropical Financial Credit Union offers a 30-year fixed mortgage at 6.125% APR (1.125 points). Vehicle loans available from 3.89% APR for 36 months. HELOC rates from 4.99% APR. Personal loan rates from 2.55% APR. Savings and certificate yields up to 3.85% APY.

Source: RateAPI.dev, verified from Tropical Financial Credit Union's official website

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About Tropical Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
62.8K
Assets
$995.2M
Founded
1935
Locations reported
7
NCUA charter
68476
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • Bilingual services

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

EducationalMiramar Park Place · Miramar · FL · 33025Branch in the same ZIPMemorial Employees FinancialMemorial Healthcare Support Services · Miramar · FL · 33025Branch in the same ZIPSpace CoastSpace Coast Credit Union-East Miramar Branch · Miramar · FL · 33025Branch in the same ZIPDade CountyPembroke Pines · Pembroke Pines · FL · 33026About 2.8 miles awaySunPines Branch · pembroke pines · FL · 33026About 2.8 miles awayBrightstarBrighStar Credit Union · Hollywood · FL · 33024-2242About 3.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Tropical Financial Credit Union

Membership eligibility from Tropical Financial Credit Union's own published criteria. How we verify this.

Community charter: live/work in Miami-Dade, Broward, Palm Beach +9 more

  • LocationMiami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee, Sarasota, Monroe, Charlotte, Manatee

Cost to join: No membership fee or minimum deposit listed.

Verified from Tropical Financial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Tropical Financial Credit Union?

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Frequently Asked Questions

What rates does Tropical Financial Credit Union offer?

Tropical Financial Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Tropical Financial Credit Union rates updated?

RateAPI verifies Tropical Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Tropical Financial Credit Union's rate data?

Rate data is collected directly from Tropical Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Tropical Financial Credit Union's mortgage rate?

As of August 4, 2026, Tropical Financial Credit Union offers a 30-year fixed mortgage at 6.125% APR.

What are Tropical Financial Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Tropical Financial Credit Union offers vehicle loans from 3.89% APR.

What is Tropical Financial Credit Union's HELOC rate?

As of August 4, 2026, Tropical Financial Credit Union offers home equity lines of credit from 4.99% APR.

What is Tropical Financial Credit Union's personal loan rate?

As of August 4, 2026, Tropical Financial Credit Union offers personal loans from 2.55% APR.

What is Tropical Financial Credit Union's best CD rate?

As of August 4, 2026, Tropical Financial Credit Union offers savings and certificate (CD) yields up to 3.85% APY.

Related Rate Data

Compare Tropical Financial Credit Union's rates against national credit-union benchmarks.

More Florida credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Tropical Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/tropical-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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