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About Us

About Us

About Tropical Financial Credit Union's Award Winning Sarasota, Dade, Broward and Palm Beach County Branches

Welcome to Tropical Financial Credit Union of South Florida. Tropical Financial is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1935, Tropical Financial has grown to manage the time and money of more than 65,000 members!

We're dedicated to providing our members with the very best in financial services at extremely competitive rates and terms. We offer a full range of financial services designed to ensure sound financial planning, convenience and security to our credit union's members. Many of our members prefer to do business with our credit union rather than banks because of the personalized attention we give each of our members. Each and every member receives exceptional value from our financial services.

In this economy, you need every advantage to grow your financial portfolio. You'll get more for your money at Tropical Financial Credit Union.

Our Mission

Tropical Financial Credit Union is a not-for-profit financial cooperative that provides its members with valuable products, services and education to help each individual achieve his or her financial goals. Our unique, not-for-profit structure allows us to offer our members in Miami and other areas of South Florida lower mortgage and loan rates, higher saving rates, fewer fees and more personalized service than for-profit banking institutions.

Our Structure

Unlike banks, credit Unions are member owned financial cooperatives; so when you join Tropical Financial, your initial deposit to open a share account establishes your membership and makes you a part-owner. Since there are no outside bank stockholders to satisfy, our credit union passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking. And Tropical Financial is here for you with award-winning branches in Palm Beach, Miami-Dade, Broward and Sarasota Counties as well as online with over 200 employees, half of whom are bilingual.

Our Vision

We will transform Tropical Financial Credit Union into an agile, efficient, member-focused team recognized for organizational excellence.

Our Purpose

Our credit union's purpose is to guide members successfully through the financial marketplace by creating a sustainable competitive advantage through our award winning excellent service and trusted advice throughout Palm Beach, Broward, Dade and Sarasota Counties.

Here are ways we help you get ahead in this challenging economy:

• Affordable banking services
• Best Fixed Rate Mortgage in South Florida
• High interest savings accounts
• Free Checking accounts
• High yield checking accounts
• Lower rates on loans
• Comprehensive small business services
• Retirement planning
• Debt consolidation and refinancing
• Free financial seminars

Our Core Values

• Member Satisfaction: Focus on members' needs
• Employee Satisfaction: Value each other
• Financial Performance: Enhance financial strength
• Continuous Improvement: Seek organizational excellence

Notice of Annual Meeting The Credit Union’s 74th Annual Membership Meeting is scheduled for Wednesday March 25, 2009 at 3:00 p.m.at 3050 Corporate Way in Miramar.  The agenda for the business meeting will include the election of directors.  In accordance with the Credit Union’s bylaws, the Nominating Committee has been appointed to report on the nominations for terms expiring for the Board of Directors.  The Nominating Committee has submitted the following nominations: Fred B. Fetzer  3-year term Hilda P. Geer  3-year term Mario C. Martinez 3-year term Additional nominations may be made by petition signed by a least 500 Credit Union members.  Nominations by petition must be filed with the Secretary of the Credit Union no later than February 10, 2009. Any member who is interested in seeking nomination by petition is requested to contact Sylvia Wagnon at Tropical Financial Credit Union for more detailed information. Should there be additional nominations by petition for any of the Board positions to be filled, an election will be conducted by mail ballot.  There will be no election if there is only one nominee for each Board position to be filled.   Nominations may not be made from the floor of the Annual Meeting.