Southern Bell (later re-named BellSouth and now AT&T) organized the credit union in March of 1935 with over $800 in deposits and over $400 in loans by the end of the second day. The Credit Union was chartered under the Farm Credit Administration and was called the Miami Bell System Employees Federal Credit Union. The first Board of Director’s meeting authorized the purchase of a cash box and rubber stamps, not to cost more than $1.20 and $1.60 respectively. During that first year, the first part-time employee was hired at $.30 an hour. By the end of the year, assets had grown to $11,775.

In 1939, the name was changed to Tropical Telco Federal Credit Union. The following year saw the credit union's assets grow to $100,000. By 1947, assets had grown to $400,000. Katie Vashon became general manager in 1956 when assets reached $2 million. The next year Vashon joined the credit union's Board of Directors. In 1957, assets grew to $2.5 million and Tropical Telco moved into a new building on Girard Avenue in Coral Gables and formed a Credit Union Booster Club.
By 1965, assets had reached over $5 million. During this period, the office was closed one day so employees could calculate and pay 5½% dividend to the share accounts. In 1968, assets of the credit union reached $10 million.

During the 1970s, Tropical Telco Credit Union‘s assets reached $54 million. In the mid-seventies, Tropical Telco began its trend to become a full financial institution by expanding its services from Share Accounts (Savings Accounts) to Share Drafts (Checking Accounts), VISA cards and ATM services. In 1978, the phenomenal growth resulted in assets of $50 million. By 1979, Tropical Telco had evolved to practically a full service financial institution.
Tropical Telco saw tremendous growth in the early 1980s. It was also a decade of major events impacting Tropical Telco‘s future as no other previous event. Divestiture of the Bell System, which reduced its work force to cut costs, also reduced Tropical Telco’s growth in membership. Interstate banking was permitted by the State of Florida, which increased competition among all financial institutions for our Members’ deposits and loans. On August 1, 1987, President Greg Blount joined the Credit Union. In 1989, Tropical Telco’s Board of Directors approved the
expansion of the field of membership to the first Select Employee Group (SEG) outside of the core “Bell System” employee groups served. Apartments for Rent
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