Internet Banking Enrollment
Enrolling in Internet Banking is easy - here's how:
- In the Login box, enter your Login ID.
- In the Password box, enter your numeric HomeBranch Personal Identification Number.
If you do not know your HomeBranch Personal Identification Number or need assistance, please call 305-261-8328 from Miami-Dade County or 888-261-8328 from all other areas.
Rates
Auto
Rates Effective July 19th, 2010
| TYPE OF LOAN ACCOUNT | APR** AS LOW AS | DAILY PERIODIC RATE | APPROXIMATE TERM | |
| New Automobile (up to 48 Months) | 3.74%+ | .010246 | null | |
| New Automobile (up to 60 Months) | 4.49%* | .012301 | Up to $5,000 48 mo. $5,001-$15,000 + 60 mo. | null |
| New Automobile (61 Months and up) | 4.49%* | .012301 | $15,000+ 72mo. | null |
| New Auto Extended 73-84 Months | 6.75%* | .018493 | Max Term 73-84 Months | null |
| Used Automobile (up to 48 Months) | 3.74%+ | .010246 | null | |
| Used Automobile (up to 60 Months) | 4.99%* | .013671 | Up to $5,000 48 mo. $5,001-$15,000 60 mo. | null |
| Used Automobile (61 Months and up) | 4.99%* | .013671 | Up to $5,000 48 mo. $5,001-$15,000 60 mo. | null |
| New Recreational | 9.95%* | .027260 | null | |
| Used Recreational | 9.95%* | .027260 | null | |
| DRIVE Auto Loan Program - New | 13.99% | .038328 | 60 months | null |
| DRIVE Auto Loan Program - Used | 14.99% | .041068 | 60 months | null |
* Rate includes a .25% reduction for members who meet the requirements of a Tropical Plus Relationship.
+APR=Fixed annual percentage rate is based on creditworthiness for terms up to 48 months. 3.74% offer requires a loan-to-value of 89% or less. Rate is available on used 2008 and 2009 vehicles. Other rates and terms are available for up to 72 months. Minimum loan amount for 72 month term is $15,000. Actual loan amount is not to exceed the lesser of the purchase price or 100% of the manufacturer's suggested retail price (MSRP) on new vehicles or lesser of the purchase price or the National Automobile Association (NADA) retail value. 3.74% includes the Tropical Plus member discount. Some restrictions may apply. Rates are subject to change without notice. Offer excludes refinancing of existing TFCU loans.
Tropical Plus Membership: To qualify for a Tropical Plus relationship with Tropical Financial Credit Union, you must maintain at least $10,000 in combined daily deposits or $30,000 in combined month-end loan balances.
Automobile and Recreational Vehicle loans: New automobiles include autos current year and previous year. Used Auto includes previous titled vehicle 7 years old or newer. Up to 100% financing not to exceed the lesser of MSRP or the final purchase price plus tax and Vehicle Service Agreement on new vehicles or the NADA Retail value plus/minus options and mileage on used vehicles. Recreational loans include RVs, Boats, Motors, Trailers, Travel Trailers, Motor Homes, Campers and Motorcycles.
DRIVE Auto Loan Program: Acquisition fee of 3% for used autos and 5% for new autos, based on the amount financed, applies to all loans granted under this program.
