305-261-8328  |  888-261-8328

Need an auto loan? It’s quick and easy to apply.

Rates as low as 1.48% APR*

  • Available for both New and Used Vehicles
  • Refinance to Lower Your Monthly Payments
  • Takes only Five Minutes!
Pre-Approval Application
Find Your New Car
Welcome to Tropical Financial Credit Union!

We are banking on you, South Florida, by guiding consumers, businesses, and communities in which we work and live. For our friends and family who work hard to achieve life goals, TFCU frequently publishes local discounts and lifestyle-focused content to help them save money.


TFCU has been serving hard-working Florida folks in your community for more than 80 years. As a non-profit organization and member-operated financial co-op, our number one priority is to provide you with trustworthy, reliable, and convenient banking while offering competitive rates and terms.


Providing personal attention, we offer many services from home and auto loans to financial planning and much more. You can make transactions anywhere, from any device, at any time of the day. TFCU handles your needs quickly and reliably, backed by 24-hour support services.

Need an auto loan? Take 5 minutes now!

It’s easy and quick to apply. In just five minutes you could be on your way to joining more than 54,000 others members of the powerful Tropical Financial Credit Union. We serve our members, not a corporation; when we succeed, all our members benefit.

We financed 3 cars through Tropical and it’s always been painless, seamless process and we’ve gotten what we feel are the best rates available and we have checking accounts, savings accounts here and the people here have always been so helpful.
Lisa, Member since 1998
They’re very competitive with home loan and car loan rates. I’ve purchased 3 cars through Tropical Financial Credit Union and I love the company, it’s great.
Tammy, Member since 2005
I recently got a car loan from Tropical and everybody I worked with were very very good. They even helped me pick the car out, they sent me to the right people to get the car. So I invite anyone else to come join Tropical Financial Credit Union, everyone is great here and I appreciate everything.
Ronald, Member since 2010
In 30 minutes I was able to obtain an auto loan with a $200 bonus deposited into my account at Tropical Financial and got a $10,000 credit card. It was seamless, it was easy, the people are friendly and I highly recommend Tropical Financial to everyone.
Ron, Member since 2014
No matter where you are in your life, TFCU has you covered.

* APR = Annual Percentage Rate. Eligibility for the lowest rate which is stated above is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and term of loan. Valid for purchase transactions only and cannot be combined with any other rate discounts. Your actual rate, term, payment and down payment may vary, depending on your credit history, loan amount, loan program and other factors. Other conditions may apply. Rate offerings are subject to change without notice. Membership eligibility required with $5 minimum in savings. Auto loan example: $10,000 loan at 1.48% APR with 36 monthly payments of approximately $284.16.

This credit union is federally insured by the National Credit Union Administration.

ABA Routing # 267077847