What are the current interest rates at TLC Community Credit Union?

Current rates for TLC Community Credit Union include: 12-Month CD: 4.06%, 24-Month CD: 4.16%, 60-Month CD: 4.32%, Savings: 0.45%, MMA: 1.86%

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TLC Community Credit Union

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TLC Community Credit Union Rates & Review October 2026

Q: Is a member application needed to join TLC Community Credit Union?

Yes, to access services at TLC Community 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, TLC Community 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 9, 2026

TLC Community Credit Union's top rates as of October 9, 2026 are 4.47% APY on its 60 Month CD, 0.45% APY on savings, 1.86% APY on money market accounts, 3.56% APY on checking, 6.38% on its 30 Year Fixed - Purchases mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other TLC Community Credit Union CD rates include 48 Month CD at 4.42%, 36 Month CD at 4.37%, and 24 Month CD at 4.32%. Other TLC Community Credit Union mortgage rates include 30 Year Fixed - Cash Out Refinances at 7.00%, and 30 Year Fixed - Refinances at 7.00%. MonitorBankRates evaluates the financial stability of TLC Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.45%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TLC Community Credit Union
Main

3030 S Adrian Hwy
Adrian, MI 49221

https://www.tlccu.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.

TLC Community Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD	4.40%	4.47%	60 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 4.47% ▲ 0.36 pts · high 4.47% / low 4.11% Oct 9, 20264.47%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
48 Month CD	4.35%	4.42%	48 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01% Oct 9, 20264.42%▲ from 4.01% Sep 14, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
36 Month CD	4.30%	4.37%	36 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91% Oct 9, 20264.37%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
24 Month CD	4.25%	4.32%	24 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80% Oct 9, 20264.32%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
60 Month Certificate	4.25%	4.32%	60 Month
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11% Oct 9, 20264.32%▼ from 4.47% Sep 29, 20264.47%▲ from 4.11% Sep 18, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
60 Month IRA	4.25%	4.32%	60 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.32% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
48 Month Certificate	4.20%	4.27%	48 Month
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01% Oct 9, 20264.27%▼ from 4.42% Sep 29, 20264.42%▲ from 4.01% Sep 18, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
48 Month IRA	4.20%	4.27%	48 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
36 Month Certificate	4.15%	4.22%	36 Month
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91% Oct 9, 20264.22%▼ from 4.37% Sep 29, 20264.37%▲ from 3.91% Sep 18, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
36 Month IRA	4.15%	4.22%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
24 Month Certificate	4.10%	4.16%	24 Month
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80% Oct 9, 20264.16%▼ from 4.32% Sep 29, 20264.32%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
24 Month IRA	4.10%	4.16%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
12 Month Certificate	4.00%	4.06%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
12 Month IRA	4.00%	4.06%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
7 Month Certificate	3.75%	3.80%	7 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
7 Month IRA	3.75%	3.80%	7 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
6 Month Certificate	3.50%	3.55%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
6 Month IRA	3.50%	3.55%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Savings Rates

Product	Rate	APY
Variable Savings	-	0.45%
Min Balance $10,000 Details Balance: $10,000 & Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Variable Savings	-	0.40%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Health Savings Accounts	-	0.35%
Min Balance $0 Details Balance: $0.01 & Over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Member Savings	-	0.35%
Min Balance $200 Details Balance: $200 & Over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Variable Savings	-	0.35%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.35%
Min Balance $200 Details Balance: $200 & over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.86%
Min Balance $100,000 Details Balance: $100,000 & Over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 1.86% ▲ 0.10 pts · high 1.86% / low 1.76% Sep 29, 20261.86%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Money Market	-	1.76%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.66% → 1.76% ▲ 0.10 pts · high 1.76% / low 1.66% Sep 29, 20261.76%▲ from 1.66% Sep 14, 20261.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Money Market	-	1.61%
Min Balance $25,000 Details Balance: $25,000 & 49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.61% ▲ 0.10 pts · high 1.61% / low 1.51% Sep 29, 20261.61%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Money Market	-	1.46%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36% Sep 29, 20261.46%▲ from 1.36% Sep 14, 20261.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Money Market	-	1.31%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.21% → 1.31% ▲ 0.10 pts · high 1.31% / low 1.21% Sep 29, 20261.31%▲ from 1.21% Sep 14, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	1.86%
Min Balance $100,000 Details Balance: $100,000 & Over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 1.86% ▲ 0.10 pts · high 1.86% / low 1.76% Sep 29, 20261.86%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Money Market	-	1.76%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.66% → 1.76% ▲ 0.10 pts · high 1.76% / low 1.66% Sep 29, 20261.76%▲ from 1.66% Sep 14, 20261.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Money Market	-	1.61%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.61% ▲ 0.10 pts · high 1.61% / low 1.51% Sep 29, 20261.61%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Money Market	-	1.46%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36% Sep 29, 20261.46%▲ from 1.36% Sep 14, 20261.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Money Market	-	1.31%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.21% → 1.31% ▲ 0.10 pts · high 1.31% / low 1.21% Sep 29, 20261.31%▲ from 1.21% Sep 14, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Checking Rates

Product	Rate	APY
Elite Checking	-	3.56%
Min Balance $0 Details Qualifications Required: 1 Consumer AND Mortgage Loan; Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Elite Checking	-	3.29%
Min Balance $0 Details Qualifications Required: 1 Consumer OR Mortgage Loan; Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Elite Checking	-	3.04%
Min Balance $0 Details Qualifications Required: 1 Consumer OR Mortgage Loan; Balance: $0 - $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.04% ▼ 0.25 pts · high 3.29% / low 3.04% Sep 29, 20263.04%▼ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Dividend Checking	-	0.40%
Min Balance $10,000 Details Balance: $10,000 & Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Dividend Checking	-	0.35%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Dividend Checking	-	0.30%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	-	0.40%
Min Balance $75,000 Details Balance: $75,000 & over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Checking	-	0.35%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Business Checking	-	0.30%
Min Balance $2,000 Details Balance: $2,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
30 Year Fixed - Purchases	6.375%	-	6.472%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.47% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
30 Year Fixed - Cash Out Refinances	7.00%	-	7.019%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.02% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
30 Year Fixed - Refinances	7.00%	-	7.019%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.02% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - Fixed	-	-	6.868%	180 Months
Details Additional APR listed for this product: 8.664%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 6.87% ▼ 0.13 pts · high 7.00% / low 6.87% Sep 29, 20266.87%▼ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Home Equity/Home Improvement	7.00%	-	7.00%
Details as low as 7.000% APR. APR = Annual Percentage Rate. Rates listed above are estimates. TLC uses a managed credit program. Check with the Loan Department for current loan rates and terms. Certain restrictions apply. Subject to lien placement. Rates, terms and conditions effective 10-8-2026 are for sample purposes only and subject to change. PFI Discount does not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Home Equity Line of Credit	-	-	7.173%	300 Months
Details Rates as low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.92% → 7.17% ▲ 0.25 pts · high 7.17% / low 6.92% Sep 18, 20267.17%▲ from 6.92% Sep 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Home Equity - Fixed	-	-	7.483%	120 Months
Details Additional APR listed for this product: 8.763%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.10% → 7.48% ▲ 0.38 pts · high 7.48% / low 7.10% Sep 29, 20267.48%▲ from 7.10% Sep 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Home Equity - Fixed	-	-	7.796%	60 Months
Details Additional APR listed for this product: 9.073%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.03% → 7.80% ▲ 0.77 pts · high 7.80% / low 7.03% Sep 29, 20267.80%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto	-	-	5.49%	84 Months
Details As Low As Last Updated 10/09/2026 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: 0.45%

TLC Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loan	-	6.49%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Boats, RVs and Titled Collateral (non-dwelling) Loan	-	6.49%	180 Months
Details As Low As Last Updated 10/09/2026 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: 0.45%
RVs Loan	-	6.49%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Home Improvement Loan	9.99%	120 Months
Details As Low As; Loan Amount: Up to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Unsecured Home Improvement Loan	10.99%	180 Months
Details As Low As; Loan Amount: $10,001 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Unsecured Loan	10.99%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

TLC Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Variable IRAs	-	-	0.35%
Min Balance $5 Details Balance: $5 - $999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%
Variable IRAs	-	-	0.45%
Min Balance $1,000 Details Balance: $1,000 - Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.45%

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

TLC Community Credit Union’s Texas Ratio stayed near 0.26% in Q3 2023 to 0.45% 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	$950M	0.45%	5.0	A+
March 31, 2026	$938M	0.33%	5.0	A+
December 31, 2025	$920M	0.40%	5.0	A+
September 30, 2025	$900M	0.51%	5.0	A+
June 30, 2025	$901M	0.35%	5.0	A+
March 31, 2025	$822M	0.12%	5.0	A+
December 31, 2024	$784M	0.45%	5.0	A+
September 30, 2024	$777M	0.27%	5.0	A+
June 30, 2024	$746M	0.07%	5.0	A+
March 31, 2024	$739M	0.21%	5.0	A+
December 31, 2023	$716M	0.16%	5.0	A+
September 30, 2023	$702M	0.26%	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 TLC Community 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 TLC Community 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 TLC Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TLC Community Credit Union

Website https://www.tlccu.org

Address 3030 S Adrian Hwy, Adrian, MI 49221

Phone 517-263-9120

Fax 517-263-7145

President Meredith Francis

CEO Jeffery Brehmer

Full-Time Employees 142

Part-Time Employees 3

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.45%

Return on Assets (ROA)

0.5772%

Return on Equity (ROE)

3.9858%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

950,226,511

Total Amount of Shares and Deposits

746,707,371

Total Shares and Deposits < 1 Year

730,975,509

Total Shares and Deposits 1 3 Years

9,672,965

Total Shares and Deposits > 3 Years

6,058,899

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

47,052,228

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

47,052,228

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

699,655,143

Total Interest Expense (Sum of items 6 8)

6,630,382

Share Certificates

5,133

Number of Accounts for Share Drafts

35,624

IRA KEOGH Accounts

1,403

Number of Accounts for Regular Shares

63,890

All other shares

1,261

Money Market Shares

1,654

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)

23,874,629

Total Liabilities

835,568,696

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

TLC Community Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About TLC Community Credit Union

How many branches does TLC Community Credit Union operate?

TLC Community 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 TLC Community Credit Union?

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

Does TLC Community Credit Union offer online and mobile banking?

Most modern institutions like TLC Community 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://www.tlccu.org.

Current TLC Community Credit Union Rates

12-Month CD4.06%
24-Month CD4.16%
60-Month CD4.32%
Savings0.45%
MMA1.86%

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

Compare to Other Credit Unions

TLC Community Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TLC Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TLC Community Credit Union

How many branches does TLC Community Credit Union operate?

Is a member application needed to join TLC Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TLC Community Credit Union offer online and mobile banking?

Current TLC Community Credit Union Rates

Compare to Other Credit Unions