Internet Banking Enrollment
Enrolling in Internet Banking is easy - here's how:
- In the Account Number box, enter your Savings Account Number (as shown on your member statement).
- 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
Consumer
| 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 |
| Consumer Goods | 15.98% (daily periodic rate .043780) | Up to 36 months |
| Unsecured Loan | 15.98% (daily periodic rate .043780) | Up to 60 months |
| Personal Signature Loan | 8.99% (see below for rate information) | Up to 60 months |
| Shared Secure Loan | Share Savings Rate + 2.5% (see below for variable rate information) | Up to 144 months |
| Certificate Secured Loan | Share Certificate Rate + 2.5% (see below for variable rate information) | Up to 144 months |
* Rate includes a .25% reduction for members who meet the requirements of a Tropical Plus Relationship.
**Annual Percentage Rate. The 4.99% rate requires a Tropical Plus membership, maximum 48 month term, and is based on creditworthiness. Other rates and terms are available.
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: 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. New automobiles include autos current year and previous year. Recreational loans include RVs, Boats, Motors, Trailers, Travel Trailers, Motor Homes, Campers and Motorcycles.
Personal Signature Line-of-Credit (PSL): The Credit Union has the right to change the Annual Percentage Rate upon 15 days advance notice to you. Any increase or decrease in the Annual Percentage Rate will apply to both existing unpaid balances and new advances made on or after the effective date.
Variable Rate: the following rates and terms apply -
Share Secured Loan (Line of Credit): The Annual Percentage Rate may increase during the term of this credit line if Tropical Financial Credit Union's regular Share Account rate increases. The Annual Percentage Rate will be equal to the Regular Share rate plus 2.50%. An increase will take place on the first day of each quarter (Jan. 1, Apr 1, July 1, Oct 1). The Annual Percentage Rate will never increase more than the maximum rate allowed by law. Any increase will take the form of more payments of the same amount.
Share Certificate Secured Loan (Line of Credit): The Annual Percentage Rate may increase during the term of this credit line if Tropical Financial Credit Union's Certificate of Deposit rate increases. The Annual Percentage Rate will be equal to the Certificate of Deposit rate plus 2.50%. An increase will take effect on the day the certificate is renewed. The Annual Percentage Rate will never increase more than the maximum rate allowed by law. Any increase will take the form of more payments of the same amount.
