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Tower Federal Credit Union

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Tower Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Tower Federal Credit Union?

Current rates for Tower Federal Credit Union include: 12-Month CD: 4.90%, 18-Month CD: 4.55%, 24-Month CD: 5.10%, 60-Month CD: 4.35%, MMA: 3.50%

Q: What CD terms does Tower Federal Credit Union offer?

Tower Federal Credit Union CD rates are 4.90% APY for a 12 month CD, 4.55% APY for an 18 month CD, 5.10% APY for a 2 year CD, 4.75% APY for a 3 year CD, 4.80% APY for a 4 year CD and 4.85% APY for a 5 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 Tower Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Tower Federal Credit Union's CD - 2 Year rates are at 5.10%, CD - 1 Year rates are at 4.90%, CD - 5 Year rates are at 4.85%, CD - 4 Year rates are at 4.80%, CD - 3 Year rates are at 4.75%. Tower Federal Credit Union's money market rates are at 3.50%. Tower Federal Credit Union's checking rates are as high as 0.15%. Tower Federal Credit Union's First Mortgage Fixed - 15 Year rates are at 6.88%, First Mortgage Fixed - 10 Year rates are at 6.88%, First Mortgage Fixed - 20 Year rates are at 7.00%, First Mortgage Fixed - 30 Year VA rates are at 7.00%, First Mortgage Fixed - 15 Year Jumbo rates are at 7.12%. Tower Federal Credit Union's Personal Loan Rates are as low as 7.24%. Tower Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 1.97%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 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

1.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tower Federal Credit Union
Laurel Headquarters

7901 Sandy Spring Rd
Laurel, MD 20707

http://towerfcu.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.

Tower Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year Regular IRA Share Certificates	4.97%	5.10%	2 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 2 Year	4.97%	5.10%	2 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo	4.88%	5.00%	5 year
Min Deposit $20,000 Details Minimum to open $20,000; early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.05% → 5.00% ▼ 0.05 pts · high 5.05% / low 5.00% Oct 30, 20265.00%▼ from 5.05% Oct 14, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 5 year Mini-Jumbo	4.88%	5.00%	5 year
Min Deposit $20,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.05% → 5.00% ▼ 0.05 pts · high 5.05% / low 5.00% Oct 30, 20265.00%▼ from 5.05% Oct 14, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
274 - 365 Day Jumbo Share Certificates	4.83%	4.95%	274 - 365 days
Min Deposit $100,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.00% → 4.95% ▼ 0.05 pts · high 5.00% / low 4.95% Oct 30, 20264.95%▼ from 5.00% Oct 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo	4.83%	4.95%	4 year
Min Deposit $20,000 Details Minimum to open $20,000; early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.00% → 4.95% ▼ 0.05 pts · high 5.00% / low 4.95% Oct 30, 20264.95%▼ from 5.00% Oct 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 4 year Mini-Jumbo	4.83%	4.95%	4 year
Min Deposit $20,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.00% → 4.95% ▼ 0.05 pts · high 5.00% / low 4.95% Oct 30, 20264.95%▼ from 5.00% Oct 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
1 Year Regular IRA Share Certificates	4.78%	4.90%	1 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 1 Year	4.78%	4.90%	1 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
5 Year Regular IRA Share Certificates	4.74%	4.85%	5 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 5 Year	4.74%	4.85%	5 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
4 Year Regular IRA Share Certificates	4.69%	4.80%	4 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 4 Year	4.69%	4.80%	4 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
3 Year Regular IRA Share Certificates	4.64%	4.75%	3 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 3 Year	4.64%	4.75%	3 year
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 18 Month	4.45%	4.55%	18 month
Min Deposit $500 Details Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on IRAs Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 5 year Bump-Up	4.26%	4.35%	5 year
Min Deposit $5,000 Details Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.35% Oct 30, 20264.35%▼ from 4.40% Oct 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Bump-Up Share Certificates - 5 year Bump-Up	4.26%	4.35%	5 year
Min Deposit $5,000 Details Owners may change the dividend rate once during the term; early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.35% Oct 30, 20264.35%▼ from 4.40% Oct 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 4 year Bump-Up	4.21%	4.30%	4 year
Min Deposit $5,000 Details Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30% Oct 30, 20264.30%▼ from 4.35% Oct 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Bump-Up Share Certificates - 4 year Bump-Up	4.21%	4.30%	4 year
Min Deposit $5,000 Details Owners may change the dividend rate once during the term; early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30% Oct 30, 20264.30%▼ from 4.35% Oct 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
183 - 273 Day Jumbo Share Certificates	4.11%	4.20%	183 - 273 days
Min Deposit $100,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 9 Month	4.07%	4.15%	9 month
Min Deposit $500 Details Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on IRAs Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
91 - 182 Day Jumbo Share Certificates	1.64%	1.65%	91 - 182 days
Min Deposit $100,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60% Oct 30, 20261.65%▲ from 1.60% Oct 14, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 6 Month	1.59%	1.60%	6 month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
30 - 90 Day Jumbo Share Certificates	1.14%	1.15%	30 - 90 days
Min Deposit $100,000 Details Early withdrawal penalty applies before maturity Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 1.10% → 1.15% ▲ 0.05 pts · high 1.15% / low 1.10% Oct 30, 20261.15%▲ from 1.10% Oct 14, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Share Certificate - 3 Month	1.09%	1.10%	3 month
Min Deposit $500 Details Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on IRAs Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.85%	0.85%
Min Deposit $5 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.85% ▲ 0.20 pts · high 0.85% / low 0.65% Oct 6, 20260.85%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
IRA Club Account	0.85%	0.85%
Min Deposit $5 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.85% ▲ 0.20 pts · high 0.85% / low 0.65% Oct 6, 20260.85%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Prime Share	0.85%	0.85%
Min Deposit $5 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.85% ▲ 0.20 pts · high 0.85% / low 0.65% Oct 6, 20260.85%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
You Name It Club	0.85%	0.85%
Min Deposit $5 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.85% ▲ 0.20 pts · high 0.85% / low 0.65% Oct 6, 20260.85%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.44%	3.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 to $2,499.99; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Accounts	3.44%	3.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Accounts	3.44%	3.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Accounts	3.44%	3.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 to 499,999.99; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Accounts	3.44%	3.50%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Special	-	3.50%
Min Deposit $2,500 Details New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026; minimum opening deposit of $2,500 required Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Checking Rates

Product	Rate	APY
Regular Checking	0.15%	0.15%
Min Deposit $10 Details Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Request Checking	0.15%	0.15%
Min Deposit $10 Details Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
First Mortgage Fixed - 15 Year	6.875%	0.000	6.971%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 10 Year	6.875%	0.125	7.01%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 20 Year	7.00%	0.000	7.079%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 30 Year VA	7.00%	0.000	7.165%
Details 30 Year VA financing available in MD and VA only Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 15 Year Jumbo	7.125%	0.000	7.177%
Details Jumbo loans are available for loan amounts from $832,751 to $1,500,000 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 10 Year Jumbo	7.125%	0.125	7.198%
Details Jumbo loans are available for loan amounts from $832,751 to $1,500,000 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 30 Year	7.375%	0.000	7.437%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 30 Year Jumbo	7.625%	0.000	7.659%
Details Jumbo loans are available for loan amounts from $832,751 to $1,500,000 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Fixed - 15 Year Land	7.375%	0.000	7.722%
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit up to 80% LTV / CLTV	6.50%	-	6.50%
Details Line of Credit Adjustable Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 18, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity Loan - 10 Year - up to 80% LTV / CLTV	7.667%	-	7.75%	10 years
Details Payment Factor (per $1,000): $12.00; Fixed rate home equity loan; Loan Type: 10 Year - up to 80% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity Line of Credit from 80.01% to 100% LTV / CLTV	8.00%	-	8.00%
Details Line of Credit Adjustable Rate Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.25% / low 7.75% Sep 22, 20268.00%▼ from 8.25% Sep 18, 20268.25%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity Loan - 15 Year - up to 80% LTV / CLTV	8.183%	-	8.25%	15 years
Details Payment Factor (per $1,000): $9.70; Fixed rate home equity loan; Loan Type: 15 Year - up to 80% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity Loan - 10 Year - from 80.01% to 100% LTV / CLTV	8.658%	-	8.75%	10 years
Details Payment Factor (per $1,000): $12.53; Fixed rate home equity loan; Loan Type: 10 Year - from 80.01% to 100% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity Loan - 15 Year - from 80.01% to 100% LTV / CLTV	9.176%	-	9.25%	15 years
Details Payment Factor (per $1,000): $10.29; Fixed rate home equity loan; Loan Type: 15 Year - from 80.01% to 100% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car Loan	-	-	3.99%	36 months
Details As Low As; APR% (as low as) Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 3.99% ▼ 2.50 pts · high 6.49% / low 3.99% Oct 19, 20263.99%▼ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	4.49%	48 months
Details As Low As; APR% (as low as) Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 4.49% ▼ 2.00 pts · high 6.49% / low 4.49% Oct 19, 20264.49%▼ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	4.49%	60 months
Details As Low As; APR% (as low as) Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 4.49% ▼ 2.00 pts · high 6.49% / low 4.49% Oct 19, 20264.49%▼ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Cars and Trucks Loan	-	-	4.49%	36 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	4.99%	72 months
Details As Low As; APR% (as low as) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Cars and Trucks Loan	-	-	4.99%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Cars and Trucks Loan	-	-	4.99%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Cars and Trucks Loan	-	-	5.49%	72 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	5.99%	84 months
Details As Low As; APR% (as low as) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	6.49%	36 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	6.49%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	6.49%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Cars and Trucks Loan	-	-	6.49%	84 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	7.24%	36 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $30.99 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 19, 20267.24%▲ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	7.24%	48 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $24.06 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 19, 20267.24%▲ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	7.24%	60 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $19.91 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 19, 20267.24%▲ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	7.24%	72 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $17.16 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	9.25%	84 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $16.22 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	11.75%	120 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $14.20 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Car Loan	-	-	12.00%	144 months
Details As Low As; APR% (as low as); Monthly payment per $1,000 borrowed: $13.13 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	-	6.74%	36 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	48 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	60 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	72 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	36 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	48 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	60 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	72 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	9.25%	84 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	9.75%	84 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	11.75%	120 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	12.00%	144 months
Details As Low As; Recreational Vehicle Loans; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	12.25%	120 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	12.50%	144 months
Details As Low As; Recreational Vehicles are vehicles which are driven and are equipped with living quarters Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	7.24%	12 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.24%	24 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.24%	36 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.99%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.99%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	8.74%	72 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Personal Line of Credit	13.15%
Details As Low As; 6.15% above index; Daily Periodic Rate: 0.036027%; Effective Date: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 13.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30 Year Amortization / 15 Year Balloon - 30/15 from 80.01% to 100% LTV / CLTV Loan	9.75%	-	9.687%
Details 30 yr. amortization / 15 yr. balloon loan; balloon payment due at maturity; APR based on $250,000 loan amount; from 80.01% to 100% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
30 Year Amortization / 15 Year Balloon - 30/15 up to 80% LTV / CLTV Loan	8.75%	-	8.694%
Details 30 yr. amortization / 15 yr. balloon loan; balloon payment due at maturity; APR based on $250,000 loan amount; up to 80% LTV / CLTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Dream Line of Credit from 80.01% to 90% LTV /CLTV	8.50%	-	8.50%
Details LTV/CLTV: 80.01% to 90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Dream Line of Credit up to 80% LTV /CLTV	7.00%	-	7.00%
Details LTV/CLTV: up to 80% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Empower Card	-	-	11.49%
Details As Low As; Intro rate expires: 6 months (0% balance transfer intro APR); Regular APR: 11.49% - 17.99%; variable rate based on Prime Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 11.49% ▼ 8.50 pts · high 19.99% / low 11.49% Sep 18, 202611.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Gold Card	-	-	10.90%
Details As Low As Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 10.90% ▼ 9.09 pts · high 19.99% / low 10.90% Sep 18, 202610.90%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	7.49%	Up to 36 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.24%	48 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.24%	60 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.99%	72 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	9.74%	84 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	9.74%	120 months
Details As Low As; Includes 0.25% discount for enrollment in automatic monthly loan payments; Owner-occupied/primary residence only; proof of homeownership and contractor's estimate required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
World Card	-	-	14.49%
Details As Low As; Intro rate expires: 12 months (1.99% Introductory APR as of account opening); Regular APR: 14.49% - 17.99%; variable rate based on Prime Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 14.49% ▼ 5.50 pts · high 19.99% / low 14.49% Sep 18, 202614.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

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

Tower Federal Credit Union’s Texas Ratio rose from 0.99% in Q3 2023 to 1.97% 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	$5.0B	1.97%	5.0	A+
March 31, 2026	$5.0B	1.68%	5.0	A+
December 31, 2025	$4.8B	2.25%	5.0	A+
September 30, 2025	$4.8B	1.30%	5.0	A+
June 30, 2025	$4.7B	1.35%	5.0	A+
March 31, 2025	$4.7B	1.17%	5.0	A+
December 31, 2024	$4.5B	1.17%	5.0	A+
September 30, 2024	$4.6B	0.98%	5.0	A+
June 30, 2024	$4.6B	0.91%	5.0	A+
March 31, 2024	$4.7B	0.92%	5.0	A+
December 31, 2023	$4.5B	0.88%	5.0	A+
September 30, 2023	$4.5B	0.99%	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 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 640

Part-Time Employees 6

Branch Locations 17

ATM Locations 15

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

1.97%

Return on Assets (ROA)

0.5805%

Return on Equity (ROE)

4.0568%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

5,002,789,547

Total Amount of Shares and Deposits

4,310,186,558

Total Shares and Deposits < 1 Year

3,251,828,437

Total Shares and Deposits 1 3 Years

947,488,008

Total Shares and Deposits > 3 Years

110,870,113

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

567,192,355

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

567,192,355

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

3,742,994,203

Total Interest Expense (Sum of items 6 8)

34,830,147

Share Certificates

28,844

Number of Accounts for Share Drafts

118,295

IRA KEOGH Accounts

9,572

Number of Accounts for Regular Shares

297,451

All other shares

5,037

Money Market Shares

12,293

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)

475,433,575

Total Liabilities

4,339,702,641

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Tower 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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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Tower Federal Credit Union

Does Tower Federal Credit Union offer CDs?

Yes. Tower Federal Credit Union current CD rates include its CD - 2 Year at 5.10% APY, its CD - 1 Year at 4.90% APY and its CD - 5 Year at 4.85% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Tower Federal Credit Union NCUA insured?

Yes. Tower Federal 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 Tower Federal Credit Union?

The highest Tower Federal Credit Union CD rate is its 2 Year Regular IRA CDs at 5.10% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Tower Federal Credit Union offer?

Tower Federal Credit Union CD rates are 4.90% APY for a 12 month CD, 4.55% APY for an 18 month CD, 5.10% APY for a 2 year CD, 4.75% APY for a 3 year CD, 4.80% APY for a 4 year CD and 4.85% APY for a 5 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 Tower Federal Credit Union for its full lineup.

What is the highest money market rate at Tower Federal Credit Union?

The highest Tower Federal Credit Union money market rate is its Money Market Accounts at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Tower Federal Credit Union?

The highest Tower Federal Credit Union checking rate is its Regular Checking at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Tower Federal Credit Union?

The lowest Tower Federal Credit Union 30 year fixed mortgage rate is its First Mortgage Fixed - 30 Year VA at 7.00%, verified by MonitorBankRates as of October 30, 2026. Tower Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.875% for a 10 year mortgage.

What is the lowest auto loan rate at Tower Federal Credit Union?

The lowest Tower Federal Credit Union auto loan rate is its Car Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Tower Federal Credit Union?

The lowest Tower Federal Credit Union personal loan rate is its Signature Loan at 7.24% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 Tower Federal Credit Union rates compare?

Tower Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. Tower Federal Credit Union's top rates are its 2 Year Regular IRA CDs at 5.10% APY, its Money Market Accounts at 3.50% APY, its Regular Checking at 0.15% APY, its First Mortgage Fixed - 15 Year at 6.875% and its Signature Loan at 7.24% APR, verified by MonitorBankRates on October 30, 2026.

Current Tower Federal Credit Union Rates

12-Month CD4.90%
18-Month CD4.55%
24-Month CD5.10%
60-Month CD4.35%
MMA3.50%

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

Compare to Other Credit Unions

Tower Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tower Federal Credit Union Texas Ratio

Tower Federal Credit Union Health Trend

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 Auto Loan Rates

Tower Federal Credit Union RV, Boat and Powersport Loan Rates

Tower Federal Credit Union Personal Loan Rates

Tower Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tower Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tower Federal Credit Union

Does Tower Federal Credit Union offer CDs?

Are CDs from Tower Federal Credit Union NCUA insured?

What is the highest CD rate at Tower Federal Credit Union?

What CD terms does Tower Federal Credit Union offer?

What is the highest money market rate at Tower Federal Credit Union?

What is the highest checking rate at Tower Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Tower Federal Credit Union?

What is the lowest auto loan rate at Tower Federal Credit Union?

What is the lowest personal loan rate at Tower Federal Credit Union?

How many branches does Tower Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tower Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Tower Federal Credit Union rates compare?

Current Tower Federal Credit Union Rates

Compare to Other Credit Unions