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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.
 TLCU Financial Credit Union Rates & Review April 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: April 9, 2026
TLCU Financial Credit Union's 6 Month CDs rates are at 4.07%, 9 Month CDs rates are at 4.07%, 12 Month CDs rates are at 3.82%, 18 Month CDs rates are at 3.56%, 24 Month CDs rates are at 3.30%. TLCU Financial Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of TLCU Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.14%. Rates were last updated on 04/09/2026. TLCU Financial 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 TLCU Financial Credit Union? Share your experience about TLCU Financial Credit Union by leaving a review below, or read customer reviews before you decide to use TLCU Financial Credit Union. TLCU Financial Credit Union
Mishawaka 1816 N Main St
https://tlcufinancial.org Mishawaka, IN 46545 5616 
TLCU Financial Credit Union CD Rates
TLCU Financial Credit Union Savings Rates
TLCU Financial Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for TLCU Financial 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 TLCU Financial 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 TLCU Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
TLCU Financial Credit Union
Website
https://tlcufinancial.org
Address
1816 N Main St,
Mishawaka, IN 46545 5616
Phone
574-255-3193
Fax
574-258-7622
President
Deric Eggleston
CEO
Kendra Fleckner
Full-Time Employees
14
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.14%
Return on Assets (ROA)
0.8298%
Return on Equity (ROE)
5.1897%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
56,350,089
Total Amount of Shares and Deposits
47,017,880
Total Shares and Deposits < 1 Year
46,900,754
Total Shares and Deposits 1 3 Years
117,126
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
931,239
Total Uninsured Shares and Deposits > $250K (F+J)
931,239
Total Insured Shares and Deposits > $250K (item 17 less item K)
46,086,641
Total Interest Expense (Sum of items 6 8)
380,231
Share Certificates
231
Number of Accounts for Share Drafts
2,597
IRA KEOGH Accounts
92
Number of Accounts for Regular Shares
5,503
All other shares
10
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,086,914
Total Liabilities
47,345,998
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About TLCU Financial Credit UnionIs TLCU Financial Credit Union a safe place to deposit money?Yes, TLCU Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1356360628971%, 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 TLCU Financial Credit Union operate?TLCU Financial 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 TLCU Financial Credit Union?Yes, to access services at TLCU Financial 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, TLCU Financial 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, TLCU Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does TLCU Financial Credit Union offer online and mobile banking?Most modern institutions like TLCU Financial 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://tlcufinancial.org. Current TLCU Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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