|
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 November 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 and Verified: October 30, 2026
TLCU Financial Credit Union's 6 Month CD rates are at 4.07%, 9 Month CD rates are at 4.07%, 12 Month CD rates are at 3.82%, 18 Month CD rates are at 3.56%, 24 Month CD rates are at 3.30%. TLCU Financial Credit Union's savings rates are at 0.10%. TLCU Financial Credit Union's Personal Loan Rates are as low as 11.00%. TLCU Financial Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.91%. Rates last updated and verified on 10/30/2026. 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  Customer Reviews
Be the first to review
Write a Review
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. TLCU Financial Credit Union CD Rates
TLCU Financial Credit Union Savings Rates
TLCU Financial Credit Union Checking Rates
TLCU Financial Credit Union Home Equity & HELOC
TLCU Financial Credit Union Auto Loan Rates
TLCU Financial Credit Union RV, Boat and Powersport Loan Rates
TLCU Financial Credit Union Personal Loan Rates
TLCU Financial Credit Union Other Rates
Financial Health HistoryTLCU Financial Credit Union’s Texas Ratio fell from 1.73% in Q3 2023 to 0.91% 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
15
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+ (100/100)
Texas Ratio
0.91%
Return on Assets (ROA)
0.5745%
Return on Equity (ROE)
3.5893%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
59,379,470
Total Amount of Shares and Deposits
49,478,409
Total Shares and Deposits < 1 Year
49,368,105
Total Shares and Deposits 1 3 Years
110,304
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,216,625
Total Uninsured Shares and Deposits > $250K (F+J)
1,216,625
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,261,784
Total Interest Expense (Sum of items 6 8)
261,885
Share Certificates
264
Number of Accounts for Share Drafts
2,774
IRA KEOGH Accounts
97
Number of Accounts for Regular Shares
5,482
All other shares
7
Net Income (unless the amount is already included in Undivided Earnings)
341,158
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)
1,442,109
Total Liabilities
49,875,329
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for TLCU Financial Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for TLCU Financial Credit Union
Frequently Asked Questions About TLCU Financial Credit UnionDoes TLCU Financial Credit Union offer CDs?Yes. TLCU Financial Credit Union current CD rates include its 6 Month CD at 4.07% APY, its 9 Month CD at 4.07% APY and its 12 Month CD at 3.82% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from TLCU Financial Credit Union NCUA insured?Yes. TLCU Financial 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 TLCU Financial Credit Union?The highest TLCU Financial Credit Union CD rate is its 6 Month CD at 4.07% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does TLCU Financial Credit Union offer?TLCU Financial Credit Union CD rates are 4.07% APY for a 6 month CD, 4.07% APY for a 9 month CD, 3.82% APY for a 12 month CD, 3.56% APY for an 18 month CD and 3.30% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TLCU Financial Credit Union for its full lineup. What is the highest savings rate at TLCU Financial Credit Union?The highest TLCU Financial Credit Union savings rate is its REGULAR SAVINGS at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at TLCU Financial Credit Union?The lowest TLCU Financial Credit Union auto loan rate is its New Auto Loan at 4.24%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at TLCU Financial Credit Union?The lowest TLCU Financial Credit Union personal loan rate is its Signature Loan at 11.00%, verified by MonitorBankRates as of October 30, 2026. 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. 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 TLCU Financial Credit Union rates compare?TLCU Financial Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. TLCU Financial Credit Union's top rates are its 6 Month CD at 4.07% APY, its REGULAR SAVINGS at 0.10% APY and its Signature Loan at 11.00% APR, verified by MonitorBankRates on October 30, 2026. Current TLCU Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Clarity Credit Union
Memorial Employees Financial Credit Union
Century Federal Credit Union
Lakota Federal Credit Union
OU Federal Credit Union
Towpath Credit Union
Coosa Valley Credit Union
Firemans Credit Union
North Shore Federal Credit Union
R-G Federal Credit Union
Varex Federal Credit Union
Valley Federal Credit Union
Acclaim Federal Credit Union
Campus Federal Credit Union
Southcoast Federal Credit Union
Rimrock Credit Union
Whitesville Community Credit Union
Peoples Federal Credit Union
Flagship Community Federal Credit Union
Oakdale Credit Union
Frederiksted Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
