What are the current interest rates at Tidemark Federal Credit Union?

Current rates for Tidemark Federal Credit Union include: 12-Month CD: 4.10%, 60-Month CD: 2.01%, Savings: 0.90%, MMA: 1.51%

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Tidemark Federal Credit Union

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Tidemark Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Tidemark Federal Credit Union's top rates as of October 9, 2026 are 4.10% APY on its 12 Month Regular And IRA CDs CD, 0.90% APY on savings, 1.51% APY on money market accounts, 4.00% APY on checking, 6.25% on its 15 Year Fixed Rate Mortgage, personal loans from 7.63% APR, and credit cards from 7.00% APR, according to rates verified by MonitorBankRates. Other Tidemark Federal Credit Union CD rates include 6 Month Regular And IRA CDs at 4.00%, 36 Month Regular And IRA CDs at 2.52%, and 60 Month Regular And IRA CDs at 2.01%. Other Tidemark Federal Credit Union mortgage rates include 5/1 Conforming ARM at 6.62%, 20 Year Fixed Rate Mortgage at 6.75%, and 7/1 Conforming ARM at 6.88%. MonitorBankRates evaluates the financial stability of Tidemark Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates last updated and verified on 10/09/2026.

Tidemark Federal 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 Tidemark Federal Credit Union? Share your experience about Tidemark Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tidemark Federal Credit Union.

Verified Healthy Q2 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

1.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tidemark Federal Credit Union
Tidemark Federal Credit Union

1941 Bridgeville Hwy
Seaford, DE 19973

https://www.tidemarkfcu.org

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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.

Tidemark Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Regular And IRA Share Certificates	4.02%	4.10%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30% Sep 25, 20264.10%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates	3.93%	4.00%	6 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Sep 25, 20264.00%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
36 Month Regular And IRA Share Certificates	2.50%	2.52%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
60 Month Regular And IRA Share Certificates	2.00%	2.01%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Club Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000+; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50% Oct 9, 20261.51%▲ from 1.50% Oct 5, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000 to < $250,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.41% → 1.41% ▼ 0.00 pts · high 1.41% / low 1.40% Oct 9, 20261.41%▲ from 1.40% Oct 5, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.30%	1.30%
Min Balance $50,000 Details Balance: $50,000 to < $100,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Kids Club	1.25%	1.26%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.20%	1.20%
Min Balance $10,000 Details Balance: $10,000 to < $50,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.10%	1.10%
Min Balance $1,000 Details Balance: $1,000 to < $10,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Educational Savings Account	0.90%	0.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Health Savings Account (HSA)	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Holiday Club	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Share Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.50%	1.51%
Min Balance $250,000 Details Balance: $250,000+; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50% Oct 9, 20261.51%▲ from 1.50% Oct 5, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000 to < $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000 to < $250,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 1.41% → 1.41% ▼ 0.00 pts · high 1.41% / low 1.40% Oct 9, 20261.41%▲ from 1.40% Oct 5, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	1.30%	1.30%
Min Balance $50,000 Details Balance: $50,000 to < $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.30%	1.30%
Min Balance $50,000 Details Balance: $50,000 to < $100,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	1.20%	1.20%
Min Balance $10,000 Details Balance: $10,000 to < $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.20%	1.20%
Min Balance $10,000 Details Balance: $10,000 to < $50,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	1.10%	1.10%
Min Balance $1,000 Details Balance: $1,000 to < $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Money Market Club Account	1.10%	1.10%
Min Balance $1,000 Details Balance: $1,000 to < $10,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Checking Rates

Product	Rate	APY
High Tide Checking	3.93%	4.00%
Min Balance $1 Details Balance: $1 - $25,000; $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Tide Checking	3.93%	4.00%
Min Balance $25,000 Details Balance: $1 - $25,000; $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Tide Checking	1.98%	2.00%
Min Balance $1 Details Balance: $1 - $20,000; $20,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Tide Checking	1.98%	2.00%
Min Balance $20,000 Details Balance: $1 - $20,000; $20,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Tide Checking	1.00%	1.00%
Min Balance $1 Details Balance: $1 - $10,000; $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Tide Checking	1.00%	1.00%
Min Balance $10,000 Details Balance: $1 - $10,000; $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Teen Checking	1.00%	1.00%
Min Balance $1 Details Balance: $1 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premium Checking	0.55%	0.55%
Min Balance $100,000 Details Balance: $100,000+; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premium Checking	0.45%	0.45%
Min Balance $50,000 Details Balance: $50,000 to <$100,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premium Checking	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 to <$50,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premium Checking	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000 to <$10,000; Balance Method: Average Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Basic Checking	0.15%	0.15%
Details Free up to $1,000/mth Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Deluxe Checking	0.15%	0.15%
Details Free up to $5,000/mth Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Premium Checking	0.15%	0.15%
Details Free up to $10,000/mth Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Mortgage	6.25%	0.00%	6.361%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
5/1 Conforming ARM	6.625%	0.00%	6.68%
Details Loan to Value: Up to 80% Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.43% → 6.68% ▲ 0.25 pts · high 6.81% / low 6.43% Oct 9, 20266.68%▼ from 6.81% Oct 5, 20266.81%▲ from 6.68% Sep 29, 20266.68%▲ from 6.55% Sep 18, 20266.55%▲ from 6.43% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
20 Year Fixed Rate Mortgage	6.75%	0.00%	6.84%	20 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
7/1 Conforming ARM	6.875%	0.00%	6.93%
Details Loan to Value: Up to 80% Last Updated 10/09/2026 Rate History 7 changes since Sep 14, 2026 · 6.55% → 6.93% ▲ 0.38 pts · high 7.06% / low 6.55% Oct 9, 20266.93%▼ from 7.06% Oct 5, 20267.06%▲ from 6.93% Oct 2, 20266.93%▲ from 6.81% Sep 29, 20266.81%▲ from 6.68% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
30 Year Fixed Rate Mortgage	7.00%	0.00%	7.07%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.07% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
10/1 Conforming ARM	7.125%	0.00%	7.181%
Details Loan to Value: Up to 80% Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.81% → 7.18% ▲ 0.38 pts · high 7.18% / low 6.81% Oct 2, 20267.18%▲ from 7.06% Sep 29, 20267.06%▲ from 6.93% Sep 17, 20266.93%▲ from 6.81% Sep 14, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
10/1 ARM	7.25%	-	7.324%	20 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
30 Year Fixed	7.50%	0.00%	7.596%
Details Loan to Value: Up to 80% Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.22% → 7.60% ▲ 0.38 pts · high 7.60% / low 7.22% Oct 2, 20267.60%▲ from 7.47% Sep 25, 20267.47%▲ from 7.35% Sep 17, 20267.35%▲ from 7.22% Sep 14, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
10/1 Conforming ARM	7.625%	0.00%	7.722%
Details Loan to Value: Up to 80% Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.81% → 7.72% ▲ 0.92 pts · high 7.72% / low 6.81% Oct 9, 20267.72%▲ from 7.18% Oct 2, 20267.18%▲ from 7.06% Sep 29, 20267.06%▲ from 6.93% Sep 17, 20266.93%▲ from 6.81% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	7.00%	-	7.048%	Revolving
Details Rate: Prime Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.05% / low 6.80% Sep 25, 20267.05%▲ from 6.80% Sep 14, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Installment	7.625%	-	7.665%	20 Years
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.29% → 7.67% ▲ 0.38 pts · high 7.67% / low 7.29% Oct 2, 20267.67%▲ from 7.54% Sep 25, 20267.54%▲ from 7.41% Sep 17, 20267.41%▲ from 7.29% Sep 14, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle Loan	-	-	5.25%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Used Vehicle Loan	-	-	5.50%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Classic Vehicle Loan	-	-	6.00%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle Loan	-	6.13%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.13% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
RVs Loan	-	6.38%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.38% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Boats Loan	-	6.88%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Powersport Loan	-	6.88%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Student Secured	-	7.00%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Visa Secured	-	7.00%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Visa	-	11.75%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.50% → 11.75% ▲ 0.25 pts · high 11.75% / low 11.50% Oct 9, 202611.75%▲ from 11.50% Sep 14, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Visa Platinum Student	-	11.75%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.50% → 11.75% ▲ 0.25 pts · high 11.75% / low 11.50% Oct 9, 202611.75%▲ from 11.50% Sep 14, 202611.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.63%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Tidemark Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	6.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Line of Credit	-	-	9.75%
Details All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 9.75% ▲ 0.25 pts · high 9.75% / low 9.50% Oct 9, 20269.75%▲ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
FREE Tidemark Standard	0.10%	-	0.10%
Min Balance $2,000 Details No minimum balance required. Interest earned on balances above $2,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA (Roth, Traditional, and SEP)	1.00%	-	1.00%
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA (Roth, Traditional, and SEP) to <$50,000	0.75%	-	0.75%
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Prime Share Account	0.10%	-	0.10%
Min Deposit $5 Min Balance $100 Details Balance Method: Daily Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tidemark Federal Credit Union’s Texas Ratio stayed near 0.78% in Q3 2023 to 1.21% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$469M	1.21%	5.0	A+
March 31, 2026	$471M	1.66%	5.0	A+
December 31, 2025	$463M	1.95%	5.0	A+
September 30, 2025	$458M	1.42%	5.0	A+
June 30, 2025	$461M	0.98%	5.0	A+
March 31, 2025	$463M	0.94%	5.0	A+
December 31, 2024	$466M	1.15%	5.0	A+
September 30, 2024	$466M	1.02%	5.0	A+
June 30, 2024	$468M	0.92%	5.0	A+
March 31, 2024	$470M	1.67%	5.0	A+
December 31, 2023	$469M	1.23%	5.0	A+
September 30, 2023	$457M	0.78%	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 Tidemark Federal 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 Tidemark Federal 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 Tidemark Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tidemark Federal Credit Union

Website https://www.tidemarkfcu.org

Address 1941 Bridgeville Hwy, Seaford, DE 19973

Phone 302-629-0100

Fax

President Toomas Idnurm

CEO William Steelman

Full-Time Employees 59

Part-Time Employees 1

Branch Locations 6

ATM Locations 5

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

1.21%

Return on Assets (ROA)

0.2536%

Return on Equity (ROE)

1.7644%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

468,504,313

Total Amount of Shares and Deposits

405,039,618

Total Shares and Deposits < 1 Year

397,486,856

Total Shares and Deposits 1 3 Years

6,566,327

Total Shares and Deposits > 3 Years

986,435

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

34,560,086

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

34,560,086

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

370,479,532

Total Interest Expense (Sum of items 6 8)

3,599,784

Share Certificates

3,313

Number of Accounts for Share Drafts

11,026

IRA KEOGH Accounts

1,333

Number of Accounts for Regular Shares

25,082

All other shares

157

Non Member Deposits

Money Market Shares

3,556

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)

26,043,612

Total Liabilities

405,145,161

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Tidemark Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Tidemark Federal Credit Union

How many branches does Tidemark Federal Credit Union operate?

Tidemark Federal 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 Tidemark Federal Credit Union?

Yes, to access services at Tidemark Federal 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, Tidemark Federal 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, Tidemark Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tidemark Federal Credit Union offer online and mobile banking?

Most modern institutions like Tidemark Federal 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.tidemarkfcu.org.

Current Tidemark Federal Credit Union Rates

12-Month CD4.10%
60-Month CD2.01%
Savings0.90%
MMA1.51%

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

Compare to Other Credit Unions

Tidemark Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tidemark Federal Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tidemark Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tidemark Federal Credit Union

How many branches does Tidemark Federal Credit Union operate?

Is a member application needed to join Tidemark Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tidemark Federal Credit Union offer online and mobile banking?

Current Tidemark Federal Credit Union Rates

Compare to Other Credit Unions