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Tower Federal 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 14, 2026
Tower Federal Credit Union's Regular IRA CDs 2 year rates are at 4.70%, Regular IRA CDs 1 year rates are at 4.65%, 5 year Mini-Jumbo IRA CDs rates are at 4.60%, 4 year Mini-Jumbo IRA CDs rates are at 4.55%, Regular IRA CDs 5 year rates are at 4.45%. Tower Federal Credit Union's money market rates are at 0.15%. Tower Federal Credit Union's 10 Year Jumbo rates are at 5.38%, 15 Year Jumbo rates are at 5.50%, 10 Year Jumbo rates are at 5.50%, 10 Year Jumbo rates are at 5.62%, 15 Year Jumbo rates are at 5.62%. Tower Federal Credit Union's Personal Loan Rates are at 12.90%. MonitorBankRates evaluates the financial stability of Tower Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.36%. Rates were last updated on 04/14/2026. Tower 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 Tower Federal Credit Union? Share your experience about Tower Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tower Federal Credit Union. 
Tower Federal Credit Union CD Rates
Tower Federal Credit Union Savings Rates
Tower Federal Credit Union Money Market Rates
Tower Federal Credit Union Checking Rates
Tower Federal Credit Union Mortgage Rates
Tower Federal Credit Union Home Equity & HELOC
Tower Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tower 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 Tower 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 Tower Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tower Federal Credit Union
Website
http://towerfcu.org
Address
7901 Sandy Spring Rd,
Laurel, MD 20707
Phone
301-497-7000
Fax
301-497-8933
President
Arland White Jr
CEO
Richard Stafford
Full-Time Employees
607
Part-Time Employees
8
Branch Locations
17
ATM Locations
17
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
1.36%
Return on Assets (ROA)
0.9887%
Return on Equity (ROE)
6.9294%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
4,761,469,723
Total Amount of Shares and Deposits
4,110,891,044
Total Shares and Deposits < 1 Year
3,132,063,857
Total Shares and Deposits 1 3 Years
876,013,664
Total Shares and Deposits > 3 Years
102,813,523
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
518,696,405
Total Uninsured Shares and Deposits > $250K (F+J)
518,696,405
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,592,194,639
Total Interest Expense (Sum of items 6 8)
51,289,288
Share Certificates
28,721
Number of Accounts for Share Drafts
118,240
IRA KEOGH Accounts
9,757
Number of Accounts for Regular Shares
300,042
All other shares
5,073
Money Market Shares
11,102
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
539,660,441
Total Liabilities
4,138,179,723
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Tower Federal Credit UnionIs Tower Federal Credit Union a safe place to deposit money?Yes, Tower Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.364368646641%, 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 Tower Federal Credit Union operate?Tower 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 Tower Federal Credit Union?Yes, to access services at Tower 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, Tower 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, Tower Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tower Federal Credit Union offer online and mobile banking?Most modern institutions like Tower 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: http://towerfcu.org. Current Tower Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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