Important FFCU & TFCU Merger Information: The transition of FFCU accounts to TFCU accounts will be completed on December 1st. We have prepared a Transition Guide to ensure your move to TFCU is a smooth one. There is also a printable Checklist which outlines next steps that will require your attention. Welcome to Tropical Financial Credit Union!
Financial Federal Credit Union
I refinanced my car and a personal loan and I am now saving $200 per month -more money for me -yeah! S.E., Member Since 2002

A Home Equity Line Of Credit gives you fast access to low interest loans whenever you need one. Whether you’re planning for a home remodel, need money for college, you’re buying a car or paying down high interest credit cards a line of credit can work for you. The Home Equity Line of Credit loan offers:

  • Line of credit up to $100,000
  • 7 year draw period with a 15 year repayment term
  • Low adjustable rates
  • Tax-deductibility*
  • No closing costs for lines of $20,000 and above.If the HELOC is paid in full before 24 months, the member will be charged for the prorated amount of to the closing costs. 
  • Automatic payments available
  • The interest rate for the loan will be determined by an independent index, which is the Wall Street Journal Prime Rate. Changes are made quarterly when necessary and we will use the most recent index available to us as of 30 days before the date of any quarterly rate adjustment.  The change dates will be the first day of January, April, July and October.  The ceiling (CAP) will be 18%. 

*Consult your tax advisor



Our Executive Line Of Credit gives you fast access to low interest loans whenever you need one. It's a simple and convenient way to help you fund large expenses or handle fluctuations in your monthly cash flow. Pay off high-interest debt with a fixed rate and a fixed monthly payment. Borrow only the funds you need at the time you need them without having to reapply during the term of the line of credit. Access your available credit by check, phone, mobile app or online.

Call 305.577.1328 x2008 to apply.  


*APR = Annual Percentage Rate. This Executive Line of Credit is only available to members with at least 2 years of continuous employment. Rates are subject to change without notice. All loans are subject to credit approval. Certain other restrictions may apply.

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apply for loans 24/7 - just call 1.866.648.9319
©2015 Financial FCU, 22 E. Flagler Street, Miami, FL 33131

call us at 800.727.5626 or 305.577.1328 loan department 786.456.0151