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TBA Credit Union Rates & Review November 2026

Q: What are the current interest rates at TBA Credit Union?

Current rates for TBA Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.29%, 60-Month CD: 3.44%, Savings: 0.10%, MMA: 2.02%

Q: What CD terms does TBA Credit Union offer?

TBA Credit Union CD rates are 3.75% APY for a 6 month CD, 3.70% APY for a 12 month CD, 3.29% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with TBA Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

TBA Credit Union's 6 Month CD - Direct Deposit rates are at 3.75%, 12 Month CD - Direct Deposit rates are at 3.70%, 60 Month CD - Direct Deposit rates are at 3.65%, 48 Month CD - Direct Deposit rates are at 3.60%, 36 Month CD - Direct Deposit rates are at 3.55%. TBA Credit Union's savings rates are at 0.10%. TBA Credit Union's money market rates are at 2.02%. TBA Credit Union's Personal Loan Rates are as low as 9.75%. TBA Credit Union's Credit Card Rates are at 12.15%. TBA Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of TBA Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates last updated and verified on 10/29/2026.

TBA Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TBA Credit Union? Share your experience about TBA Credit Union by leaving a review below, or read customer reviews before you decide to use TBA Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TBA Credit Union
Front Street

630 E Front St
Traverse City, MI 49686-2618

https://www.tbacu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TBA Credit Union CD Rates

Product	Rate	APY	Term
6 Month CD - Direct Deposit	3.70%	3.75%	6 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
12 Month CD - Direct Deposit	3.65%	3.70%	12 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
60 Month CD - Direct Deposit	3.60%	3.65%	60 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
48 Month CD - Direct Deposit	3.55%	3.60%	48 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
36 Month CD - Direct Deposit	3.50%	3.55%	36 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month CD	3.50%	3.55%	6 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
12 Month CD	3.45%	3.50%	12 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
24 Month CD - Direct Deposit	3.45%	3.50%	24 Month
Min Deposit $500 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
60 Month CD	3.40%	3.44%	60 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
48 Month CD	3.35%	3.39%	48 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.39% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
36 Month CD	3.30%	3.34%	36 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.34% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
24 Month CD	3.25%	3.29%	24 Month
Min Deposit $500 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month Add-On CD - Direct Deposit	2.95%	2.98%	6 Month
Min Deposit $250 Details Rate with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month Add-On CD	2.75%	2.78%	6 Month
Min Deposit $250 Details Standard rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Savings Rates

Product	Rate	APY
Roth IRA Shares	0.40%	0.40%
Details Other Savings; Rates effective as of April 22, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Traditional IRA Shares	0.40%	0.40%
Details Other Savings; Rates effective as of April 22, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Health Savings Account	0.10%	0.10%
Details Other Savings; Rates effective as of April 22, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Savings	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Savings	0.05%	0.05%
Min Balance $1 Details Balance: $1 - $999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Money Market Account	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2021 and Newer - Direct Deposit	-	-	4.75%	48 months
Details As Low As with Direct Deposit; Model Year: 2021 and Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2021 and Newer	-	-	5.00%	48 months
Details As Low As; Model Year: 2021 and Newer Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2021 and Newer	-	-	5.25%	60 months
Details As Low As; Model Year: 2021 and Newer Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2017 - 2020 - Direct Deposit	-	-	5.50%	48 months
Details As Low As with Direct Deposit; Model Year: 2017 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2021 and Newer	-	-	5.50%	72 months
Details As Low As; Model Year: 2021 and Newer Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2017 - 2020	-	-	5.75%	48 months
Details As Low As; Model Year: 2017 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2017 - 2020	-	-	6.00%	60 months
Details As Low As; Model Year: 2017 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2017 - 2020 - Direct Deposit	-	-	6.25%	72 months
Details As Low As with Direct Deposit; Model Year: 2017 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans - Direct Deposit	-	-	6.25%	48 months
Details As Low As with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2013 - 2016 - Direct Deposit	-	-	6.50%	36 months
Details As Low As with Direct Deposit; Model Year: 2013 - 2016 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2017 - 2020	-	-	6.50%	72 months
Details As Low As; Model Year: 2017 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans	-	-	6.50%	48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2013 - 2016	-	-	6.75%	36 months
Details As Low As; Model Year: 2013 - 2016 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans - Direct Deposit	-	-	6.75%	60 months
Details As Low As with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2013 - 2016	-	-	7.00%	48 months
Details As Low As; Model Year: 2013 - 2016 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans	-	-	7.00%	60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2013 - 2016	-	-	7.25%	60 months
Details As Low As; Model Year: 2013 - 2016 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans - Direct Deposit	-	-	7.25%	72 months
Details As Low As with Direct Deposit Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2013 - 2016	-	-	7.50%	72 months
Details As Low As; Model Year: 2013 - 2016 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Classic Auto Loans	-	-	7.50%	72 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2012 & Older - Direct Deposit	-	-	7.75%	36 months
Details As Low As with Direct Deposit; Model Year: 2012 & Older Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2012 & Older	-	-	8.00%	36 months
Details As Low As; Model Year: 2012 & Older Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2012 & Older - Direct Deposit	-	-	8.25%	48 months
Details Term: 48 Mo. (max term without approval); As Low As with Direct Deposit; Model Year: 2012 & Older Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loan - 2012 & Older	-	-	8.50%	48 months
Details Term: 48 Mo. (max term without approval); As Low As; Model Year: 2012 & Older Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats and Recreational Vehicles (RVs) Loan	-	6.25%	up to 72 months
Details Term: Up to 72 Mo. full term; As Low As; Model Year: 2023 & Newer; APR with Direct Deposit: 6.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	6.50%	up to 72 months
Details Term: Up to 72 Mo. full term; As Low As; Model Year: 2018 - 2022; APR with Direct Deposit: 6.25% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	6.75%	72 months
Details Term: 72 Mo. balloon with 120 Amortization; As Low As; Model Year: 2023 & Newer; APR with Direct Deposit: 6.50% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	7.00%	Up to 120 months
Details As Low As; Model Year: 2023 & Newer; APR with Direct Deposit: 6.75% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	7.00%	72 months
Details Term: 72 Mo. balloon with 120 Amortization; As Low As; Model Year: 2018 - 2022; APR with Direct Deposit: 6.75% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan - With Direct Deposit	-	7.00%	48 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan	-	7.25%	48 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan - With Direct Deposit	-	7.50%	60 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan	-	7.75%	60 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	8.00%	120 months
Details Term: 120 Mo. balloon with 180 Amortization ($30k plus); As Low As; Model Year: 2023 & Newer; APR with Direct Deposit: 7.75% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan - With Direct Deposit	-	8.00%	72 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	8.25%	120 months
Details Term: 120 Mo. balloon with 180 Amortization ($30k plus); As Low As; Model Year: 2018 - 2022; APR with Direct Deposit: 8.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	8.25%	60 months max term
Details As Low As; Model Year: 2012 - 2017; Max LTV of 80%; APR with Direct Deposit: 8.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan	-	8.25%	72 months
Details As Low As; Model Year: 2016 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	8.50%	60 months max term
Details As Low As; Model Year: 2011 & Older; Max LTV of 80%, 690+ Credit Score Only; APR with Direct Deposit: 8.25% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	9.00%	180 months
Details Term: 180 Mo. Fixed Amortization ($30k plus); As Low As; Model Year: 2023 & Newer; APR with Direct Deposit: 8.75% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan - With Direct Deposit	-	9.00%	48 months
Details As Low As; Model Year: 2015 & Older Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	9.25%	180 months
Details Term: 180 Mo. Fixed Amortization ($30k plus); As Low As; Model Year: 2018 - 2022; APR with Direct Deposit: 9.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	9.25%	up to 120 months
Details Term: Up to 120 Mo. ($30k plus only); As Low As; Model Year: 2012 - 2017; Max LTV of 80%; APR with Direct Deposit: 9.00% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycle/ATV Loan	-	9.25%	48 months
Details As Low As; Model Year: 2015 & Older Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Boats and Recreational Vehicles (RVs) Loan	-	9.50%	up to 120 months
Details Term: Up to 120 Mo. ($30k plus only); As Low As; Model Year: 2011 & Older; Max LTV of 80%, 690+ Credit Score Only; APR with Direct Deposit: 9.25% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	12.15%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.15% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Personal Loan Rates

Product	APR	Term
Unsecured: Personal Loan	9.75%	Up to 24 months
Details As Low As; APR As Low As with Direct Deposit: 9.50% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured: Personal Line of Credit/Ultraline	10.035%
Details As Low As; Term: Variable Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured: Personal Loan	10.75%	36 months
Details As Low As; APR As Low As with Direct Deposit: 10.50% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured: Personal Loan	11.75%	60 months
Details As Low As; APR As Low As with Direct Deposit: 11.50% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured: Cover Your Account (CYA) Line Loan	16.90%
Details As Low As; Term: Fixed Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

TBA Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bike Loan	-	-	8.25%	New up to 60 months
Details As Low As; APR As Low As with Direct Deposit: 8.00% Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New/Used UCC Items Loan	-	-	8.00%	60 months
Details As Low As; APR As Low As with Direct Deposit: 7.75% Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Cash Reward Account	5.00%	-	5.12%
Min Balance $1 Details Balance: $1-$10,000; Qualifying balance up to $10,000; Interest not paid on balances over $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Cash Rewards	-	-	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance up to $10,000.00; Paid monthly; Interest not paid on balances over $10,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Tax Deferred Compensation for School Employees	0.60%	-	0.60%
Details Other Savings; Rates effective as of April 22, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

TBA Credit Union’s Texas Ratio fell from 2.37% in Q3 2023 to 1.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$390M	1.83%	5.0	A+
March 31, 2026	$384M	7.23%	5.0	A
December 31, 2025	$378M	8.57%	5.0	A
September 30, 2025	$373M	4.92%	5.0	A+
June 30, 2025	$373M	6.12%	5.0	A
March 31, 2025	$370M	4.28%	5.0	A+
December 31, 2024	$369M	6.79%	5.0	A
September 30, 2024	$363M	6.06%	5.0	A
June 30, 2024	$353M	2.15%	5.0	A+
March 31, 2024	$347M	2.40%	5.0	A+
December 31, 2023	$347M	2.45%	5.0	A+
September 30, 2023	$344M	2.37%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TBA Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather TBA Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TBA Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TBA Credit Union

Website https://www.tbacu.com

Address 630 E Front St, Traverse City, MI 49686-2618

Phone 231-946-7090

Fax 231-932-5050

President Jessica Young

CEO Karen Browne

Full-Time Employees 82

Part-Time Employees 2

Branch Locations 2

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.83%

Return on Assets (ROA)

0.5978%

Return on Equity (ROE)

4.0413%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

389,887,104

Total Amount of Shares and Deposits

328,492,000

Total Shares and Deposits < 1 Year

320,990,016

Total Shares and Deposits 1 3 Years

4,550,008

Total Shares and Deposits > 3 Years

2,951,977

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

23,624,479

Total Uninsured Shares and Deposits > $250K (F+J)

23,624,479

Total Insured Shares and Deposits > $250K (item 17 less item K)

304,867,521

Total Interest Expense (Sum of items 6 8)

1,949,907

Share Certificates

2,338

Number of Accounts for Share Drafts

11,656

IRA KEOGH Accounts

889

Number of Accounts for Regular Shares

28,213

All other shares

837

Money Market Shares

1,183

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

15,325,967

Total Liabilities

331,059,418

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

TBA Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About TBA Credit Union

Does TBA Credit Union offer CDs?

Yes. TBA Credit Union current CD rates include its 6 Month CD - Direct Deposit at 3.75% APY, its 12 Month CD - Direct Deposit at 3.70% APY and its 60 Month CD - Direct Deposit at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from TBA Credit Union NCUA insured?

Yes. TBA Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at TBA Credit Union?

The highest TBA Credit Union CD rate is its 6 Month CD - Direct Deposit at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does TBA Credit Union offer?

TBA Credit Union CD rates are 3.75% APY for a 6 month CD, 3.70% APY for a 12 month CD, 3.29% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with TBA Credit Union for its full lineup.

What is the highest savings rate at TBA Credit Union?

The highest TBA Credit Union savings rate is its Health Savings Account at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at TBA Credit Union?

The highest TBA Credit Union money market rate is its Money Market Account at 2.02% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at TBA Credit Union?

The lowest TBA Credit Union auto loan rate is its Auto Loan - 2021 and Newer - Direct Deposit at 4.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at TBA Credit Union?

The lowest TBA Credit Union personal loan rate is its Unsecured: Personal Loan at 9.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at TBA Credit Union?

The lowest TBA Credit Union credit card APR is its VISA Credit Card at 12.15% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does TBA Credit Union operate?

TBA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join TBA Credit Union?

Yes, to access services at TBA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, TBA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TBA Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TBA Credit Union offer online and mobile banking?

Most modern institutions like TBA Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tbacu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do TBA Credit Union rates compare?

TBA Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. TBA Credit Union's top rates are its 6 Month CD - Direct Deposit at 3.75% APY, its Health Savings Account at 0.10% APY, its Money Market Account at 2.02% APY, its Unsecured: Personal Loan at 9.75% APR and its VISA Credit Card at 12.15% APR, verified by MonitorBankRates on October 29, 2026.

Current TBA Credit Union Rates

12-Month CD3.50%
24-Month CD3.29%
60-Month CD3.44%
Savings0.10%
MMA2.02%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

TBA Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TBA Credit Union Texas Ratio

TBA Credit Union Health Trend

TBA Credit Union CD Rates

TBA Credit Union Savings Rates

TBA Credit Union Money Market Rates

TBA Credit Union Auto Loan Rates

TBA Credit Union RV, Boat and Powersport Loan Rates

TBA Credit Union Credit Card Rates

TBA Credit Union Personal Loan Rates

TBA Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TBA Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TBA Credit Union

Does TBA Credit Union offer CDs?

Are CDs from TBA Credit Union NCUA insured?

What is the highest CD rate at TBA Credit Union?

What CD terms does TBA Credit Union offer?

What is the highest savings rate at TBA Credit Union?

What is the highest money market rate at TBA Credit Union?

What is the lowest auto loan rate at TBA Credit Union?

What is the lowest personal loan rate at TBA Credit Union?

What is the lowest credit card APR at TBA Credit Union?

How many branches does TBA Credit Union operate?

Is a member application needed to join TBA Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TBA Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do TBA Credit Union rates compare?

Current TBA Credit Union Rates

Compare to Other Credit Unions