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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 TBA Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
TBA Credit Union's 6 Month CD rates are at 3.75%, 6 Month CD with Direct Deposit rates are at 3.75%, 12 Month CD rates are at 3.70%, 12 Month CD with Direct Deposit rates are at 3.70%, 60 Month CD rates are at 3.65%. TBA Credit Union's savings rates are at 0.05%. TBA Credit Union's money market rates are at 0.50%. 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 5.18%. Rates were last updated on 03/28/2026. 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. 
TBA Credit Union CD Rates
TBA Credit Union Savings Rates
TBA Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates 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
77
Part-Time Employees
2
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.18%
Return on Assets (ROA)
1.0768%
Return on Equity (ROE)
7.3813%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
372,815,256
Total Amount of Shares and Deposits
315,588,326
Total Shares and Deposits < 1 Year
309,965,681
Total Shares and Deposits 1 3 Years
3,248,247
Total Shares and Deposits > 3 Years
2,374,397
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,851,703
Total Uninsured Shares and Deposits > $250K (F+J)
19,851,703
Total Insured Shares and Deposits > $250K (item 17 less item K)
295,736,623
Total Interest Expense (Sum of items 6 8)
3,178,213
Share Certificates
2,285
Number of Accounts for Share Drafts
11,403
IRA KEOGH Accounts
895
Number of Accounts for Regular Shares
27,456
All other shares
821
Money Market Shares
1,165
Net Income (unless the amount is already included in Undivided Earnings)
1,289,640
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,660,256
Total Liabilities
317,527,646
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About TBA Credit UnionIs TBA Credit Union a safe place to deposit money?Yes, TBA Credit Union is considered a safe financial institution. With a Texas Ratio of 5.1754769439257%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current TBA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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