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TLC Community Credit Union Rates & Review March 2026

TLC Community Credit Union's IRA CDs 60 Month rates are at 3.70%, 6 Month IRA CDs rates are at 3.65%, 6 Month Regular CDs rates are at 3.65%, IRA CDs 48 Month rates are at 3.60%, 60 Month IRA CDs rates are at 3.55%. TLC Community Credit Union's savings rates are at 0.35%. TLC Community Credit Union's money market rates are at 1.21%. TLC Community Credit Union's Personal Loan Rates are at 5.24%. MonitorBankRates evaluates the financial stability of TLC Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.51%. Rates were last updated on 03/21/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.51%
Excellent Lower than avg
TLC Community Credit Union
Main
3030 S Adrian Hwy
Adrian, MI 49221
https://www.tlccu.org
Member NCUA

TLC Community Credit Union CD Rates

Product Rate APY Term View More
IRA Certificates 60 Month 3.65% 3.70% 60
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
6 Month IRA Certificates 3.60% 3.65% 6 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
6 Month Regular Certificates 3.60% 3.65% 6 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
IRA Certificates 48 Month 3.55% 3.60% 48
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
60 Month IRA Certificates 3.50% 3.55% 60 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
60 Month Regular Certificates 3.50% 3.55% 60 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
IRA Certificates 36 Month 3.45% 3.49% 36
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
12 Month IRA Certificates 3.40% 3.44% 12 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
12 Month Regular Certificates 3.40% 3.44% 12 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
48 Month IRA Certificates 3.40% 3.44% 48 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
48 Month Regular Certificates 3.40% 3.44% 48 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
IRA Certificates 24 Month 3.35% 3.39% 24
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
36 Month IRA Certificates 3.30% 3.34% 36 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
36 Month Regular Certificates 3.30% 3.34% 36 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
24 Month IRA Certificates 3.20% 3.24% 24 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
24 Month Regular Certificates 3.20% 3.24% 24 Month
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Savings Rates

Product Rate APY View More
Variable Savings - 0.45%
Min Balance $10,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Variable Savings - 0.40%
Min Balance $5,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Savings - 0.35%
Min Balance $200
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Health Savings Accounts - 0.35%
Min Balance $0
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Member Savings - 0.35%
Min Balance $200
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Variable Savings - 0.35%
Min Balance $500
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Money Market Rates

Product Rate APY View More
Business Money Market - 1.76%
Min Balance $100,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Money Market - 1.76%
Min Balance $100,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Money Market - 1.66%
Min Balance $50,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Money Market - 1.66%
Min Balance $50,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Money Market - 1.51%
Min Balance $25,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Money Market - 1.51%
Min Balance $25,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Money Market - 1.36%
Min Balance $10,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Money Market - 1.36%
Min Balance $10,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Money Market - 1.21%
Min Balance $2,500
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Money Market - 1.21%
Min Balance $2,500
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Checking Rates

Product Rate APY View More
Elite Checking* - 3.56%
Details Qualifying balance up to $10,000.00
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Elite Checking* - 3.29%
Details Qualifying balance up to $10,000.00
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Elite Checking* - 3.04%
Details Qualifying balance up to $10,000.00
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Checking - 0.40%
Min Balance $75,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Dividend Checking - 0.40%
Min Balance $10,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Checking - 0.35%
Min Balance $25,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Dividend Checking - 0.35%
Min Balance $5,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Business Checking - 0.30%
Min Balance $2,000
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Dividend Checking - 0.30%
Min Balance $500
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - Fixed* First Lien - - 6.87% 180
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity - Fixed* First Lien - - 6.90% 60
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity Line of Credit - - 6.92% 300 Months
Details As Low As
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity - Fixed* First Lien - - 6.97% 120
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity - Fixed* Second Lien - - 8.41% 180
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity - Fixed* Second Lien - - 8.51% 120
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%
Home Equity - Fixed* Second Lien - - 8.95% 60
No additional details.
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New/Used Auto Loans - - 5.24% 84
Details As Low As
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

TLC Community Credit Union Credit Card Rates

Product Rate APR View More
Business Credit Card - 9.50%
Details As Low As; Regular APR: 9.50% - This APR will vary with the market based on the Prime Rate
Last Updated 03/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.51%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for TLC Community 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 TLC Community 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 TLC Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TLC Community Credit Union
Address 3030 S Adrian Hwy, Adrian, MI 49221
Phone 517-263-9120
Fax 517-263-7145
President Meredith Francis
CEO Jeffery Brehmer
Full-Time Employees 134
Part-Time Employees 5
Branch Locations 8
ATM Locations 8
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.51%
Return on Assets (ROA)
0.8151%
Return on Equity (ROE)
5.6631%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
899,807,906
Total Amount of Shares and Deposits
704,786,892
Total Shares and Deposits < 1 Year
678,653,811
Total Shares and Deposits 1 3 Years
21,584,485
Total Shares and Deposits > 3 Years
4,548,596
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,407,383
Total Uninsured Shares and Deposits > $250K (F+J)
52,407,383
Total Insured Shares and Deposits > $250K (item 17 less item K)
652,379,509
Total Interest Expense (Sum of items 6 8)
9,372,974
Share Certificates
4,981
Number of Accounts for Share Drafts
34,901
IRA KEOGH Accounts
1,450
Number of Accounts for Regular Shares
63,126
All other shares
1,180
Money Market Shares
1,342
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,923,571
Total Liabilities
795,735,175
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for TLC Community Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About TLC Community Credit Union

Is TLC Community Credit Union a safe place to deposit money?

Yes, TLC Community Credit Union is considered a safe financial institution. With a Texas Ratio of 0.50973531780293%, 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 TLC Community Credit Union operate?

TLC Community 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 TLC Community Credit Union?

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

Does TLC Community Credit Union offer online and mobile banking?

Most modern institutions like TLC Community 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.tlccu.org.

Current TLC Community Credit Union Rates

  • 12-Month CD3.44%
  • 24-Month CD3.24%
  • 60-Month CD3.55%
  • Savings0.35%
  • MMA1.21%
Retrieved from our database of financial products. Rates subject to change.