Credit union · NCUA insured
Tropical Financial Credit Union CD Rates
Tropical Financial Credit Union’s best CD rate is 4.40% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Tropical Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Tropical Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tropical Financial Credit Union
4.40%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $440
Regular Certificate of Deposit
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Tropical Financial Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Tropical Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Certificate of Deposit
Up to 4.40%APY · 9 terms
Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 13, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum average daily balance to earn APY is $500 | 3.25% | $80 |
| 6 monthsMinimum average daily balance to earn APY is $500 | 3.35% | $166 |
| 9 monthsMinimum average daily balance to earn APY is $500 | 3.85% | $287 |
| 12 monthsMinimum average daily balance to earn APY is $500 | 4.40% | $440 |
| 18 monthsMinimum average daily balance to earn APY is $500 | 4.10% | $621 |
| 24 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $743 |
| 36 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,135 |
| 48 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,542 |
| 60 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,963 |
Special-purpose accounts
IRA Certificate
Up to 4.40%APY · 9 terms
All IRAs are for individuals only and not available to businesses or to be opened under a business account. Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 13, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum average daily balance to earn APY is $500 | 3.25% | $80 |
| 6 monthsMinimum average daily balance to earn APY is $500 | 3.35% | $166 |
| 9 monthsMinimum average daily balance to earn APY is $500 | 3.85% | $287 |
| 12 monthsMinimum average daily balance to earn APY is $500 | 4.40% | $440 |
| 18 monthsMinimum average daily balance to earn APY is $500 | 4.10% | $621 |
| 24 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $743 |
| 36 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,135 |
| 48 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,542 |
| 60 monthsMinimum average daily balance to earn APY is $500 | 3.65% | $1,963 |
Who can join Tropical Financial Credit Union
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