What are the current interest rates at Transit Operations Federal Credit Union?

Current rates for Transit Operations Federal Credit Union include: Savings: 0.10%

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Transit Operations Federal Credit Union

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Transit Operations Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Transit Operations 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: May 7, 2026

Transit Operations Federal Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Transit Operations Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.36%. Rates were last updated on 05/07/2026.

Transit Operations 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 Transit Operations Federal Credit Union? Share your experience about Transit Operations Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Transit Operations Federal Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.36%

Good Higher than avg

Transit Operations Federal Credit Union
MAIN

725 N 7TH ST
MINNEAPOLIS, MN 55411

https://tofcu.org/

Transit Operations Federal Credit Union Savings Rates

Product	Rate	APY
Shares (Savings)	-	0.10%
Min Balance $35 Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.36%
Vacation and Christmas Clubs	-	0.10%
Min Balance $5 Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.36%

Transit Operations Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (free Checking)	-	0.10%
Min Balance $20 Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.36%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Transit Operations 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 Transit Operations 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 Transit Operations Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Transit Operations Federal Credit Union

Website https://tofcu.org/

Address 725 N 7TH ST, MINNEAPOLIS, MN 55411

Phone 612-338-9985

Fax

President Traci Williamson

CEO JoAnn Schultz

Full-Time Employees 1

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

15.36%

Return on Assets (ROA)

0.0564%

Return on Equity (ROE)

0.3094%

Non-Performing Loans Ratio (NPL)

8.01%

Total Assets

3,937,845

Total Amount of Shares and Deposits

3,215,003

Total Shares and Deposits < 1 Year

3,215,003

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

3,215,003

Total Interest Expense (Sum of items 6 8)

9,896

Share Certificates

Number of Accounts for Share Drafts

191

IRA KEOGH Accounts

Number of Accounts for Regular Shares

699

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

2,222

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

781,963

Total Liabilities

3,219,663

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Transit Operations Federal Credit Union

How many branches does Transit Operations Federal Credit Union operate?

Transit Operations 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 Transit Operations Federal Credit Union?

Yes, to access services at Transit Operations 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, Transit Operations 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, Transit Operations Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Transit Operations Federal Credit Union offer online and mobile banking?

Most modern institutions like Transit Operations 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: https://tofcu.org/.