Tropical financial credit union credit card

TROPICAL FINANCIAL CREDIT UNION Routing Numbers

TROPICAL FINANCIAL CREDIT UNION routing number is a nine-digit numeric code printed on the bottom of checks that is used to facilitate the electronic routing of funds (ACH transfer) from one bank account to another.

Click on the routing number to get information like telephone number and delivery address for the check.

Relax. we're here to help you feel good about banking

Get answers to frequently asked questions

Where can I check my application status?

How do I switch my accounts to Tropical Financial?

Step 1: Download and print the PDF to close your account(s) at another bank or credit union.

Step 2: Download and print the PDF to change Direct Deposit to Tropical Financial, click here for pdf form.

Step 3: Download and print the PDF to change/authorize automatic payment from your Tropical Financial account.

What do I do if I lost my debit/credit card?

Step 1: Enter your account number in the Username Box.

Step 2: Enter your 4 digit PIN in the password box.

Step 3: Follow the prompts to set a new username and password.

How can I get overdraft Privilege?

Overdraft Privilege is a service we add to your checking account to cover overdrafts to a set limit, subject to the eligibility criteria and types of transactions covered as explained below. With Overdraft Privilege we will generally pay your overdraft items in your Personal Checking account up to $1,250, Premier One Checking up to $1,500, Business Checking up to $2,000, Gen Next Checking account up to $300. Overdraft Privilege is not offered on Basic Checking accounts. However, whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or is not being managed in a responsible manner, or you are not making regular deposits.

Download and Print Overdraft Forms

All wire transfer orders must comply with the provisions of U.S. Law as enforced by the Treasury Department Office of Foreign Asset Control.

International Wire Transfers

What should I do if I am a victim of fraud?

Email Fraud: If you believe you have received a suspicious or fraudulent email that appears to be from Tropical Financial Credit Union, do not reply or click on any of its links, contact any phone numbers or otherwise provide any personal information. Please forward it immediately to [email protected]

Identity Fraud: If you know, or even think, you’ve been a victim of identity fraud, take immediate action and follow these five steps.

More specifics can be found on the FTC’s Identity Theft Site, located here:

  1. Report the fraudulent activity. If the activity is related to our financial institution please contact us directly. If it is related to another financial institution, your credit card company, or any other organization contact them directly.

For fast and easy shared branch searches, download the CO-Op Shared Branch App:

Along with our own ATMs, you may use Presto, CO-OP Network and Exchange NoSur! ATMs, surcharge free. So what is a surcharge? It is a fee that the ATM owner may charge to use their ATM machines to conduct withdrawals. Please be aware that some members may be charged to use ATM machines other than Tropical's. Please refer to the ATM fees outlined in the schedule of fees .

This credit union is federally-insured by the National Credit Union Administration. NMLS ID 407683.

Third Party Link Disclaimer - Linked websites are not under the control of Tropical Financial Credit Union and we are not responsible for the contents of any linked site or any link contained within a linked site. The privacy or security policies at a linked site may be different from those practiced at Tropical Financial Credit Union and you should review the privacy policy of any linked site.

Copyright 2016 Tropical Financial. All rights reserved.

Tropical Financial Credit Union

Tropical Financial Credit Union was chartered on Jan. 1, 1935. Headquartered in Miramar, FL, it has assets in the amount of $546,930,694. Its 54,838 members are served from 8 locations. Deposits in Tropical Financial Credit Union are insured by NCUA.

Tropical Financial Credit Union is open to anyone who lives or works in Miami-Dade, Broward, Palm Beach or Sarasota County.

A credit card for your spending style

Put the freedom, flexibility and purchase power of a UNIFY Visa ® Credit Card in your pocket. One card doesn’t fit all. That’s why UNIFY offers a wide variety of Visa cards, from credit-beginners to reward-earners.

Our Visa® Credit Cards come with fixed and variable rate options, to fit your life stage and lifestyle.

Visa ® Engage Rewards

CREDIT LIMITS UP TO

ONLINE CARD MANAGEMENT

WARRANTY MANAGER SERVICE

TRAVEL & EMERGENCY ASSISTANCE

AUTO RENTAL COLLISION DAMAGE WAIVER

Enjoy the confidence and consistency of a steady rate with no surprises.

  • No annual fee.
  • Fixed rate as low as 8.99% APR.
  • Special introductory and balance transfer rate offers as low as 4.99% APR. 1,2
  • No cash advance fees. 3
  • No balance transfer fees.

Take advantage of a low variable-rate with no annual fees.

Do you have something to prove? Build your credit reputation. UNIFY’s Share-Secured Visa ® credit card 4 allows you to borrow up to the full value of your initial Share Account investment—a maximum of $2,500.

  • Low fixed rates.
  • No cash advance 3 or balance transfer fees.
  • Access cash at Visa ® ATMs worldwide. 3

More rewards, fewer restrictions. With a UNIFY Visa® Engage Rewards Card you earn points on every purchase. Redeem your points for travel, merchandise, cash back, gift cards— you name it. Spend a buck, earn a point. Simple, huh?

  • No annual fee.
  • GET 5,000 BONUS POINTS INSTANTLY: Spend $2,000 using your Engage Rewards Credit Card during the first 90 days and receive 5,000 bonus points.*
  • Redeem and monitor your points in eBanking, under Card Management.
  • Connect Rewards Program at 877.789.9318, anytime or online.

Few things are more important than peace of mind when you shop online. Verified by Visa makes online payments more secure by making sure you are really you.

  • Affords an extra layer of protection for online purchases.
  • Shop with participating online merchants across the web.
  • Confirms your identity by password after activation.

APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on borrower’s credit history, debt-to-income ratio, ability to repay, employment history and other factors. Your rate may vary. All loans subject to credit approval. UNIFY Financial Credit Union is an equal opportunity lender.

1 APR for Introductory rate is 4.00% off your contract UNIFY Visa Credit Card on purchases Introductory rate promotion applicable to Fixed-Rate UNIFY Visa Credit Cards only. After the sixth statement you will be charged your current contract rate on all purchases. Promotional offer may end at any time without notice. Not valid with other offers.

2 APR for balance transfers is 4.00% off your contract UNIFY Visa Credit Card APR made by transfer from other lenders via UNIFY eBanking or with a UNIFY representative. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Balance transfer promotion applicable to UNIFY Fixed-Rate Visa Credit Cards only. No transaction fee is imposed for balance transfers. Interest will be charged from the balance transfer transaction date. Minimum balance transfer amount is $500. After the 12th statement following the balance transfer transaction, you will be charged your current contract rate for any outstanding balance remaining from the balance transfer. Promotional offer may end at any time without notice. Not valid with other offers.

3 An overdraft protection transfer from your Fixed-Rate Visa Credit Card will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full. UNIFY Financial Credit Union is an equal opportunity lender.

4 Subject to change without notice.

*Offer valid on member’s first Engage Rewards credit card only. The amount of $2,000 must be spent on eligible purchases within the first 90 days of card activation to receive stated number of bonus points. Subject to change without notice.



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