Credit union · NCUA insured
Tropical Financial Credit Union Savings Rates
Tropical Financial Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Tropical Financial Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Tropical Financial Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.50%APY
Maintain a minimum monthly balance of $2,500 to earn a higher interest rate than regular savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Monthly dividend payments. | 0.50% | $50 | Monthly dividend payments. |
| $25,000 – $94,999Monthly dividend payments. | 0.55% | — | Monthly dividend payments. |
| $100,000 – $249,999Monthly dividend payments. | 0.55% | — | Monthly dividend payments. |
| $250,000 – $499,999Monthly dividend payments. | 1.50% | — | Monthly dividend payments. |
| $500,000 and upMonthly dividend payments. | 3.50% | — | Monthly dividend payments. |
Savings
0.05%APY
TFCU will deposit the $1 minimum requirement to open a membership savings account. Must reside in a state within TFCU lending area.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend payments. $1 minimum deposit.Any balance | 0.05% | $5 | Quarterly dividend payments. $1 minimum deposit. |
Special-purpose accounts
Health Savings Account (Checking)
1.00%APY
Eligibility requires enrollment in an HSA-qualified High Deductible Health Plan (HDHP) and not being covered by other non-HDHP health insurance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly dividend payments. $100 minimum deposit.Any balance | 1.00% | $100 | Monthly dividend payments. $100 minimum deposit. |
Savings Club Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend payments. No minimum deposit.Any balance | 0.50% | $50 | Quarterly dividend payments. No minimum deposit. |
IRA Savings Account
0.15%APY
Offered as Traditional IRA Savings Account and Roth IRA Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend payments. $500 minimum deposit. Applies to both Traditional IRA Savings Account and Roth IRA Savings Account.Any balance | 0.15% | $15 | Quarterly dividend payments. $500 minimum deposit. Applies to both Traditional IRA Savings Account and Roth IRA Savings Account. |
Who can join Tropical Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.