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

Current rates for Tower Federal Credit Union include: 12-Month CD: 4.95%, 18-Month CD: 4.60%, 24-Month CD: 5.20%, 60-Month CD: 4.40%, MMA: 3.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Tower Federal Credit Union

iAdvertiser Disclosure

Tower Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Tower Federal Credit Union's top rates as of October 10, 2026 are 5.20% APY on its 2 Year CD, 3.50% APY on money market accounts, 0.15% APY on checking, 6.12% on its First Mortgage Adjustable - 1 Year ARM, and personal loans from 7.24% APR, according to rates verified by MonitorBankRates. Other Tower Federal Credit Union CD rates include Regular IRA CD - 2 year at 5.20%, Mini-Jumbo IRA CD - 5 year at 5.05%, and Jumbo CDs - 274 - 365 days at 5.00%. Other Tower Federal Credit Union mortgage rates include First Mortgage Adjustable - 5 Year ARM at 6.50%, First Mortgage Adjustable - 3 Year ARM at 6.25%, and First Mortgage Adjustable - 7 Year ARM at 7.00%. 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 10/10/2026.

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 Q2 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

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.

Tower Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year Certificate	5.07%	5.20%	2 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70% Oct 10, 20265.20%▲ from 4.70% Sep 14, 20264.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Regular IRA Share Certificate - 2 year	5.07%	5.20%	2 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70% Oct 10, 20265.20%▲ from 4.70% Sep 14, 20264.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificate - 5 year	4.93%	5.05%	5 year
Min Deposit $20,000 Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 4.60% → 5.05% ▲ 0.45 pts · high 5.05% / low 4.60% Oct 10, 20265.05%▲ from 4.60% Oct 6, 20264.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Jumbo Share Certificates - 274 - 365 days	4.88%	5.00%	274 - 365 days
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60% Oct 10, 20265.00%▲ from 4.60% Sep 14, 20264.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificate - 4 year	4.88%	5.00%	4 year
Min Deposit $20,000 Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 4.55% → 5.00% ▲ 0.45 pts · high 5.00% / low 4.55% Oct 10, 20265.00%▲ from 4.55% Oct 6, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
1 Year Certificate	4.83%	4.95%	1 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55% Oct 10, 20264.95%▲ from 4.55% Sep 14, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Regular IRA Share Certificate - 1 year	4.83%	4.95%	1 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55% Oct 10, 20264.95%▲ from 4.55% Sep 14, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
5 Year Certificate	4.78%	4.90%	5 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45% Oct 10, 20264.90%▲ from 4.45% Sep 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Regular IRA Share Certificate - 5 year	4.78%	4.90%	5 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45% Oct 10, 20264.90%▲ from 4.45% Sep 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
4 Year Certificate	4.74%	4.85%	4 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40% Oct 10, 20264.85%▲ from 4.40% Sep 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Regular IRA Share Certificate - 4 year	4.74%	4.85%	4 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40% Oct 10, 20264.85%▲ from 4.40% Sep 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
3 Year Certificate	4.69%	4.80%	3 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35% Oct 10, 20264.80%▲ from 4.35% Sep 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Regular IRA Share Certificate - 3 year	4.69%	4.80%	3 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35% Oct 10, 20264.80%▲ from 4.35% Sep 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
18 Month Certificate	4.50%	4.60%	18 month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20% Oct 10, 20264.60%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
5 year Bump-Up	4.31%	4.40%	5 year
Min Deposit $5,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95% Oct 10, 20264.40%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
4 year Bump-Up	4.26%	4.35%	4 year
Min Deposit $5,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90% Oct 10, 20264.35%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Jumbo Share Certificates - 183 - 273 days	4.11%	4.20%	183 - 273 days
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 10, 20264.20%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
9 Month Certificate	4.07%	4.15%	9 month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85% Oct 10, 20264.15%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Jumbo Share Certificates - 91 - 182 days	1.59%	1.60%	91 - 182 days
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.60% ▲ 0.10 pts · high 1.60% / low 1.50% Oct 10, 20261.60%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
6 Month Certificate	1.54%	1.55%	6 month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.45% → 1.55% ▲ 0.10 pts · high 1.55% / low 1.45% Oct 10, 20261.55%▲ from 1.45% Sep 14, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Jumbo Share Certificates - 30 - 90 days	1.09%	1.10%	30 - 90 days
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05% Oct 10, 20261.10%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
3 Month Certificate	1.04%	1.05%	3 month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.05% ▲ 0.05 pts · high 1.05% / low 1.00% Oct 10, 20261.05%▲ from 1.00% Sep 14, 20261.00%first recorded 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 10/10/2026 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 10/10/2026 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 10/10/2026 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 Account	3.44%	3.50%
Min Balance $0 Details Balance: $0.00 to $2,499.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 3.50% ▲ 3.35 pts · high 3.50% / low 0.15% Oct 10, 20263.50%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Account	3.44%	3.50%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.35% → 3.50% ▲ 2.15 pts · high 3.50% / low 1.35% Oct 10, 20263.50%▲ from 1.35% Sep 14, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Account	3.44%	3.50%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.95% → 3.50% ▲ 1.55 pts · high 3.50% / low 1.95% Oct 10, 20263.50%▲ from 1.95% Sep 14, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Account	3.44%	3.50%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.15% → 3.50% ▲ 1.35 pts · high 3.50% / low 2.15% Oct 10, 20263.50%▲ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Account	3.44%	3.50%
Min Balance $100,000 Details Balance: $100,000.00 to 499,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.35% → 3.50% ▲ 1.15 pts · high 3.50% / low 2.35% Oct 10, 20263.50%▲ from 2.35% Sep 14, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Account	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 3.50% ▲ 1.05 pts · high 3.50% / low 2.45% Oct 10, 20263.50%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Money Market Special	-	3.50%
Min Deposit $2,500 Details Open a Money Market account and earn 3.50% APY on all balances through December 28, 2026. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Request Checking	0.15%	0.15%
Min Deposit $10 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%

Tower Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage Adjustable - 5 Year ARM	6.50%	0.000	6.43%
Details As low as; Payment Factor (per $1,000): $6.32 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.50% → 6.43% ▼ 0.07 pts · high 6.75% / low 6.43% Oct 10, 20266.43%▼ from 6.43% Oct 6, 20266.43%▼ from 6.50% Oct 2, 20266.50%▼ from 6.75% Oct 1, 20266.75%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 3 Year ARM	6.25%	0.000	6.505%
Details As low as; Payment Factor (per $1,000): $6.16 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.51% → 6.51% ▼ 0.00 pts · high 6.51% / low 6.51% Oct 10, 20266.51%▼ from 6.51% Oct 6, 20266.51%▲ from 6.51% Oct 2, 20266.51%▼ from 6.51% Oct 1, 20266.51%▲ from 6.51% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 7 Year ARM	7.00%	0.000	6.569%
Details As low as; Payment Factor (per $1,000): $6.65 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 7.00% → 6.57% ▼ 0.43 pts · high 7.25% / low 6.57% Oct 10, 20266.57%▼ from 6.57% Oct 6, 20266.57%▼ from 7.00% Oct 2, 20267.00%▼ from 7.25% Oct 1, 20267.25%▲ from 7.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 5 Year ARM Jumbo	6.75%	0.000	6.639%
Details As low as; Payment Factor (per $1,000): $6.49 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.75% → 6.64% ▼ 0.11 pts · high 7.00% / low 6.64% Oct 10, 20266.64%▼ from 6.64% Oct 6, 20266.64%▼ from 6.75% Oct 2, 20266.75%▼ from 7.00% Oct 1, 20267.00%▲ from 6.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 1 Year ARM	6.125%	0.000	6.695%
Details As low as; Payment Factor (per $1,000): $6.08 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.70% → 6.70% ▼ 0.00 pts · high 6.70% / low 6.70% Oct 10, 20266.70%▼ from 6.70% Oct 6, 20266.70%▲ from 6.70% Oct 2, 20266.70%▼ from 6.70% Oct 1, 20266.70%▲ from 6.70% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 3 Year ARM Jumbo	6.50%	0.000	6.713%
Details As low as; Payment Factor (per $1,000): $6.32 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.71% → 6.71% ▼ 0.00 pts · high 6.75% / low 6.71% Oct 10, 20266.71%▼ from 6.71% Oct 6, 20266.71%▲ from 6.71% Oct 2, 20266.71%▼ from 6.75% Oct 1, 20266.75%▲ from 6.71% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 7 Year ARM Jumbo	7.25%	0.000	6.779%
Details As low as; Payment Factor (per $1,000): $6.82 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 7.25% → 6.78% ▼ 0.47 pts · high 7.50% / low 6.78% Oct 10, 20266.78%▼ from 6.78% Oct 6, 20266.78%▼ from 7.25% Oct 2, 20267.25%▼ from 7.50% Oct 1, 20267.50%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage Adjustable - 1 Year ARM Jumbo	6.375%	0.000	6.906%
Details As low as; Payment Factor (per $1,000): $6.24 Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 6.91% → 6.91% ▼ 0.00 pts · high 6.91% / low 6.91% Oct 10, 20266.91%▼ from 6.91% Oct 6, 20266.91%▲ from 6.91% Oct 2, 20266.91%▼ from 6.91% Oct 1, 20266.91%▲ from 6.91% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 15 Year	7.00%	0.125	7.097%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 7.22% → 7.10% ▼ 0.13 pts · high 7.22% / low 7.10% Oct 10, 20267.10%▼ from 7.22% Oct 6, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 10 Year	7.125%	0.000	7.263%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 7.39% → 7.26% ▼ 0.13 pts · high 7.39% / low 7.26% Oct 10, 20267.26%▼ from 7.39% Sep 27, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 30 Year VA	7.125%	0.000	7.291%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 27, 2026 · 7.29% → 7.29% ▼ 0.00 pts · high 7.55% / low 7.29% Oct 10, 20267.29%▼ from 7.55% Oct 6, 20267.55%▲ from 7.29% Oct 2, 20267.29%▼ from 7.55% Oct 1, 20267.55%▲ from 7.29% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 15 Year Jumbo	7.25%	0.125	7.303%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 6, 2026 · 7.43% → 7.30% ▼ 0.13 pts · high 7.43% / low 7.30% Oct 10, 20267.30%▼ from 7.43% Oct 6, 20267.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 10 Year Jumbo	7.375%	0.000	7.45%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 7.58% → 7.45% ▼ 0.13 pts · high 7.58% / low 7.45% Oct 10, 20267.45%▼ from 7.58% Sep 27, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 20 Year	7.375%	0.125	7.457%	20 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 7.58% → 7.46% ▼ 0.13 pts · high 7.58% / low 7.46% Oct 10, 20267.46%▼ from 7.58% Oct 1, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 30 Year	7.50%	0.375	7.563%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
First Mortgage - Fixed - 30 Year Jumbo	7.75%	0.375	7.785%	30 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.79% 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%
No additional details. Last Updated 10/10/2026 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%
HELOC Dream Line of Credit up to 80% LTV /CLTV	7.00%	-	7.00%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 5 Year - up to 80% LTV / CLTV	7.25%	-	7.351%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 7 Year - up to 80% LTV / CLTV	7.50%	-	7.569%	7 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 10 Year - up to 80% LTV / CLTV	7.667%	-	7.75%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 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%
No additional details. Last Updated 10/10/2026 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 15 Year - up to 80% LTV / CLTV	8.183%	-	8.25%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 5 Year - from 80.01% to 100% LTV / CLTV	8.25%	-	8.256%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
HELOC Dream Line of Credit from 80.01% to 90% LTV /CLTV	8.50%	-	8.50%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Sep 22, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 7 Year - from 80.01% to 100% LTV / CLTV	8.499%	-	8.50%	7 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 10 Year - from 80.01% to 100% LTV / CLTV	8.658%	-	8.75%	10 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Equity 15 Year - from 80.01% to 100% LTV / CLTV	9.176%	-	9.25%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.25% APR · checked 2 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
New Cars and Trucks Loan	-	-	3.99%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Cars and Trucks Loan	-	-	4.49%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Cars and Trucks Loan	-	-	4.49%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 6 times 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 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Cars and Trucks Loan	-	-	4.99%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 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 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 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 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Cars and Trucks Loan	-	-	5.99%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 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 Boats Loan	-	6.24%	36 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	6.24%	48 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	6.24%	60 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	6.24%	72 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Motorcycles Loan	-	6.49%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Motorcycles Loan	-	6.49%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Motorcycles Loan	-	6.49%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	6.74%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Motorcycles Loan	-	6.99%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Motorcycles Loan	-	6.99%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Motorcycles Loan	-	6.99%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	7.24%	36 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	7.24%	48 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	7.24%	60 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	7.24%	72 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	7.24%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	8.75%	84 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	9.25%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	9.25%	84 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	9.75%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	11.25%	120 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Boats Loan	-	11.50%	144 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	11.75%	120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	11.75%	120 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
New Recreational Vehicles Loan	-	12.00%	144 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Boats Loan	-	12.00%	144 months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	12.25%	120 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Used Recreational Vehicles Loan	-	12.50%	144 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.24%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.24%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.99%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	7.99%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Signature Loan	8.74%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Personal Line of Credit	13.15%
Details Rate: Prime + 6.15% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 13.15% APR · checked 2 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
15 Year Land Loan	7.50%	0.000	7.849%	15 Year
Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 7.21% → 7.85% ▲ 0.63 pts · high 7.98% / low 7.21% Oct 10, 20267.85%▼ from 7.98% Oct 6, 20267.98%▲ from 7.85% Oct 2, 20267.85%▼ from 7.98% Sep 27, 20267.98%▲ from 7.47% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
30/15 from 80.01% to 100% LTV / CLTV Loan	9.75%	-	9.687%	30 Year
Details Term: 30 Year Amortization / 15 Year Balloon Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
30/15 up to 80% LTV / CLTV Loan	8.75%	-	8.694%	30 Year
Details Term: 30 Year Amortization / 15 Year Balloon Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Empower Card Loan	-	-	11.49%
Last Updated 10/10/2026 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 Loan	-	-	10.90%
Last Updated 10/10/2026 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
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.24%	48 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.24%	60 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	8.99%	72 months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	9.74%	84 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
Home Improvement Loan	-	-	9.74%	120 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.97%
World Card Loan	-	-	14.49%
Details As Low As; * Last Updated 10/10/2026 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%
Prime Share	0.85%	-	0.85%
Min Deposit $5 Last Updated 10/10/2026 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%

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

Q2 2026 MBR Health & Safety Badge

Tower Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/tower-federal-credit-union-rates-review-8333">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Tower Federal 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Tower Federal Credit Union

Frequently Asked Questions About Tower Federal Credit Union

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

12-Month CD4.95%
18-Month CD4.60%
24-Month CD5.20%
60-Month CD4.40%
MMA3.50%

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

Compare to Other Credit Unions

Tower Federal Credit Union Rates & Review October 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

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?

Current Tower Federal Credit Union Rates

Compare to Other Credit Unions